Best Student Bank Account 2025: bunq vs Traditional Banks

Discover why bunq is the top student bank in 2025. No FX fees, smart budgeting, green banking, and a digital-first setup perfect for local & international students.

8 maja 2025
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Woman smiling and pointing at a historic tower on a sunny day.

Why Students Choose bunq in 2025

Banking should fit your lifestyle, not slow it down. With bunq, you get:

  • No hidden fees: Clear, transparent pricing

  • Free bunq Pro: Normally €9.99/month, now free for students*

  • ZeroFX: Pay abroad with no foreign exchange fees

  • Bank Accounts for budgeting: Separate money for rent, food, fun, and more

  • Weekly interest payments: Earn up to 2.01%** interest, paid out every week

  • 100% online setup: Open your account without paperwork, even from abroad

  • App in English (and other languages): Wherever you’re from, the bunq app speaks your language.

Traditional Banks vs bunq: What’s the Difference?

Still using an old-school bank? Here’s how bunq compares—and why students are switching in 2025.

Feature

Traditional Banks

bunq

Monthly Fees

Hidden, unclear, or charged for “extras”

Clear pricing—bunq Pro is free for students

Account Setup

Requires in-person appointments and paperwork

Open your account fully online, in 5 minutes

Mobile Banking

Basic features only, often in local language

App-first experience with full control and multilingual support

Currency Conversion

Up to 3% fee on foreign payments

ZeroFX — pay in any currency with no extra cost

Budgeting Tools

Minimal or nonexistent

Multiple Bank Accounts, spending insights, and AutoSave to build better habits

Savings

Average 1.5% annual interest

Up to 2.01%** interest, paid weekly

Designed for Students Who Want More

Student life comes with enough challenges. Your bank account shouldn't be one of them. Here's how bunq helps you stay in control of your finances:

  1. Multiple Bank Accounts with unique IBANs
    Create dedicated accounts for your rent, groceries, textbooks, and nights out. Each one has its own IBAN, so you can receive payments or make transfers without mixing up your money.

  2. Joint Accounts for shared expenses
    Split rent, dinners, or utilities with flatmates using a joint account. Both cards are linked, so you never have to remind someone they owe you €7.43 again.

  3. AutoSave with round-ups
    Turn spare change into savings. bunq automatically rounds up your payments and moves the difference into your savings — perfect for building a buffer without even thinking about it.

  4. ZeroFX: Spend abroad without fees
    Studying or traveling internationally? Pay with your bunq card and skip the 3% currency conversion fees that traditional banks still charge.

  5. Sustainable Banking that gives back
    Every time you spend €250 with bunq, we plant a tree. So while you're budgeting, saving, and spending smarter, you're also doing something good for the planet.

5 Easy Ways to Stay on Top of Your Student Budget with bunq

  1. Organize your money into multiple Bank Accounts
    Create different accounts for fixed costs like rent or groceries and variable spending like nights out or travel.

  2. Set your own Spending Limits
    Add limits to your accounts to help you stick to your budget without overthinking it.

  3. Use a Joint Account or bunq.me links to split costs
    Whether it’s rent, takeaway, or festival tickets, sharing costs is easy with bunq.

  4. Track your spending in real time
    Get crystal-clear Insights into how much you're spending and where your money goes.

  5. Spend globally, save locally
    Use your bunq card when you travel and enjoy ZeroFX. Save automatically with weekly interest paid into your account.

bunq is built for students who live online, move fast, and want full control of their money — wherever they are in the world.

With free bunq Pro, powerful budgeting tools, 100% mobile banking, and up to 2.01% interest paid weekly, it’s the smartest way to manage your money as a student in 2025.

No queues. No paperwork. No hidden costs. Just banking that works for you.

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Znajdź swój idealny wybór

bunq Free

Za darmo

Podstawy, żeby zacząć.

bunq Core

€3.99/miesiąc

Konto bankowe do codziennego użytku.

bunq Pro

€9.99/miesiąc

Konto bankowe, które ułatwia zarządzanie budżetem.

bunq Elite

€18.99/miesiąc

Konto bankowe zaprojektowane dla Twojego międzynarodowego stylu życia.

Znajdź swój idealny wybór

bunq Free

Za darmo

Podstawy, żeby zacząć.

bunq Core

€3.99/miesiąc

Konto bankowe do codziennego użytku.

bunq Pro

€9.99/miesiąc

Konto bankowe, które ułatwia zarządzanie budżetem.

bunq Elite

€18.99/miesiąc

Konto bankowe zaprojektowane dla Twojego międzynarodowego stylu życia.

Znajdź swój idealny wybór

bunq Free

Za darmo

Podstawy, żeby zacząć.

bunq Core

€3.99/miesiąc

Konto bankowe do codziennego użytku.

bunq Pro

€9.99/miesiąc

Konto bankowe, które ułatwia zarządzanie budżetem.

bunq Elite

€18.99/miesiąc

Konto bankowe zaprojektowane dla Twojego międzynarodowego stylu życia.

Rozpocznij swoją 30-dniową bezpłatną wersję próbną

Otwórz swoje konto w zaledwie 5 minut, bezpośrednio ze swojego telefonu.

Rozpocznij swoją 30-dniową bezpłatną wersję próbną

Otwórz swoje konto w zaledwie 5 minut, bezpośrednio ze swojego telefonu.

Rozpocznij swoją 30-dniową bezpłatną wersję próbną

Otwórz swoje konto w zaledwie 5 minut, bezpośrednio ze swojego telefonu.