How Students in Germany Use bunq to Bank Smarter

Moving to Germany to study is exciting! Between registering your address, getting health insurance, and figuring out your new routine, the last thing you need is a complicated bank account setup.

We spoke to four students from the Technical University of Munich (TUM) who use bunq to manage their money with less stress, more clarity, and zero bureaucracy.

Here’s how bunq helps them stay in control of their finances from day one.

Students Get bunq Pro for Free

Jonas from Denmark
Exchange Student in Informatics

"bunq Pro being free for students was a nice surprise. I uploaded my enrollment certificate and got access to everything right away.”

Students in Germany—or in Belgium, France, Ireland, Italy, the Netherlands, or Spain—you can get bunq Pro (normally €9.99/month) for free. Just upload your proof of enrollment! Done.

Open Your Bank Account in 5 Minutes

Chioma from Nigeria
Master’s Student in Computer Engineering

"When I arrived in Munich, people warned me that opening a bank account here would take weeks. Appointments, paperwork, waiting in line... I wasn’t ready for all that... but with bunq, I had my German IBAN in 5 minutes.”

No need to visit a branch or print any documents. Just sign up with your passport and proof of residence—completely online.

Budgeting Made Easy

Lea from France
Bachelor’s Student in Architecture

“I made one space for rent, one for groceries, one for fun. It helps me know exactly what I can spend—without overthinking it.”

bunq lets you create separate multiple Bank Accounts for different expenses, like rent or groceries. You can set limits, track spending, and avoid surprises.

No More “Who Owes What?”

Merve from Turkey
PhD Student in Computer Science

“My roommates and I used to track shared costs in spreadsheets. Now we use a Joint Account. It’s easier, and no one forgets to pay. Zero drama!”

Joint Accounts make splitting rent or bills simple. Everyone gets notified, and you all stay on the same page—no awkward reminders.

ZeroFX for International Students 

Priya from India
Bachelor’s Student in Business Administration 

"When I travel back home to India, I always end up making local purchases, whether it’s for essentials I can’t find in Germany or paying for everyday things like taxis. With bunq, I never worry about bad exchange rates or surprise fees. It just works, and I save money every time."

With ZeroFX, you always get the real exchange rate and no hidden fees when spending in non-Euro currencies. It’s a simple way to save—especially if you’re studying abroad and regularly spending back home.

bunq helps international students settle in faster. You get a free student Bank Account in Germany, budgeting tools that actually work, and real savings on everyday expenses.

No paperwork. No waiting. No stress. Just smart, simple banking from your phone.