Get the best exchange rate abroad

With bunq ZeroFX, you always get the real Mastercard rate when you spend in foreign currencies—no hidden bank fees, no nasty surprises. Travel, shop, or work anywhere and keep more of your money where it belongs: with you.

Get the best exchange rate abroad

With bunq ZeroFX, you always get the real Mastercard rate when you spend in foreign currencies—no hidden bank fees, no nasty surprises. Travel, shop, or work anywhere and keep more of your money where it belongs: with you.

Get the best exchange rate abroad

With bunq ZeroFX, you always get the real Mastercard rate when you spend in foreign currencies—no hidden bank fees, no nasty surprises. Travel, shop, or work anywhere and keep more of your money where it belongs: with you.

Smart currency exchange, built right in

With ZeroFX, use your bunq card abroad and get the best value on non-euro transactions. Traditional banks add big fees—bunq doesn’t. Instead, to protect you from currency fluctuations and give you the best possible rates, we add a 0.5% mark up to the latest rate when markets are open.

Smart currency exchange, built right in

With ZeroFX, use your bunq card abroad and get the best value on non-euro transactions. Traditional banks add big fees—bunq doesn’t. Instead, to protect you from currency fluctuations and give you the best possible rates, we add a 0.5% mark up to the latest rate when markets are open.

Smart currency exchange, built right in

With ZeroFX, use your bunq card abroad and get the best value on non-euro transactions. Traditional banks add big fees—bunq doesn’t. Instead, to protect you from currency fluctuations and give you the best possible rates, we add a 0.5% mark up to the latest rate when markets are open.

Travel Tips

Get instant local insights right in the app. Check real-time exchange rates, tipping customs, and other travel essentials, so you can feel confident spending anywhere.

Travel Tips

Get instant local insights right in the app. Check real-time exchange rates, tipping customs, and other travel essentials, so you can feel confident spending anywhere.

Travel Tips

Get instant local insights right in the app. Check real-time exchange rates, tipping customs, and other travel essentials, so you can feel confident spending anywhere.

Earn top interest on Foreign Currencies

Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly.

* Highest interest rate is shown

Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates. Learn More

Earn top interest on Foreign Currencies

Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly.

* Highest interest rate is shown

Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates. Learn More

Earn top interest on Foreign Currencies

Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly.

* Highest interest rate is shown

Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates. Learn More

Give your friend 12 free months of bunq Core

Invite a friend from your ZeroFX screen, and they’ll get a whole year of bunq Core for free.

Give your friend 12 free months of bunq Core

Invite a friend from your ZeroFX screen, and they’ll get a whole year of bunq Core for free.

Give your friend 12 free months of bunq Core

Invite a friend from your ZeroFX screen, and they’ll get a whole year of bunq Core for free.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Open your bank account in 5 minutes

Get started now, with just your phone and ID.

Frequently Asked Questions

What is bunq?

bunq is the ultimate digital bank designed to eliminate the hassle of managing money. From effortless saving and budgeting to travel focused features, bunq empowers you to focus on what truly matters.

bunq is the ultimate digital bank designed to eliminate the hassle of managing money. From effortless saving and budgeting to travel focused features, bunq empowers you to focus on what truly matters.

What’s the best online bank?

bunq stands out as one of the best online banks thanks to its innovation, transparency, and focus on simplicity and sustainability. With an intuitive app, up to 25 sub-accounts, automated budgeting features, and multi-IBANs, bunq offers a modern, flexible banking experience. Plus, every time you spend, you help plant trees—so you manage your money and support the planet at the same time.

Is bunq an independent bank?

bunq was founded in 2012 by Ali Niknam in the Netherlands as a tech-driven challenger bank focused on innovation, transparency, and simplicity. In 2015, we launched the bunq app – the first new bank in 35 years to receive a European banking license – and we’ve been challenging traditional banks ever since.

What do I need to open a bunq account?

To open a bunq account, you need your tax ID, a smartphone with the bunq app, and a residential address in Europe. The process is fully digital and takes less than 5 minutes – easy, fast, and convenient!

Get started