bunq review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
bunq suits eurozone residents and students who hold several currencies and want a Mastercard debit card. Monthly fees are €0, currency conversion fees run 0.5% to 3% across 8 currencies, and bunq ranks 1 of 422 brands on monthly fee.
Key facts
- Best for
- A fee free multi-currency Mastercard card for eurozone spenders.
- Monthly fee
- €0↗
- Currency conversion fee
- 0.5% to 3%↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Currencies
- 8↗
- Legal entity
- bunq B.V.↗
- Headquarters
- Netherlands↗
- Founded
- 2012↗
- Support channels
- Email, Chat↗
- Features
- Multi-currency, Crypto, Virtual card, Travel
- Audience
- Students
- Official website
- bunq.com
Credit cards
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Monthly fees of €0 and no annual fee put bunq at 1 of 422 brands on monthly fee.
- Currency conversion fees of 0.5% to 3% across 8 currencies, against a debit card median of 1%.
- Listed features cover multi-currency accounts, crypto, a virtual card and travel.
- Support by email and chat from a provider founded in 2012.
Cons
- Support runs on email and chat only, so there is no phone channel listed.
- Credit is not among its listed features (multi currency, crypto and virtual card), which cover multi-currency accounts, crypto, a virtual card and travel.
- The audience listed is student, so a broad household account sits outside the stated focus.
Who it suits
- Eurozone residents who hold and spend in several currencies.
- Students opening a first multi-currency account.
- People who want a virtual card for online payments alongside an everyday Mastercard debit card.
Who should look elsewhere
- Not the pick for anyone deciding on monthly fee alone: Wise also charges £0 and Starling Personal Account Debit Card charges £0, so price alone does not separate bunq.
- Not for people who want to carry a balance and be charged interest on it, where Varo Believe Secured Credit Card is a credit product and bunq issues a debit card.
Fees and FX
Monthly fees on the personal account are €0, so keeping the account open costs nothing in monthly charges. The cost line to watch sits on foreign spend, where currency conversion fees run 0.5% to 3%. That range is charged when you pay in a currency you do not already hold, so travel and online purchases in other currencies are where the money goes.
The company behind it
The account is run by bunq B.V., based in the Netherlands, and the business was founded in 2012. It is a Netherlands based provider, so the account is aimed at eurozone and European users. Customer service runs on email and chat, which is a narrower channel mix than a branch bank but keeps the fee structure simple.
How bunq compares
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Where bunq is available
- Available
- Netherlands
- Licence in Netherlands
- De Nederlandsche Bank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does bunq cost each month?+
Monthly fees are €0 on the personal account, and the listed fee model is no annual fee, so keeping the account open costs nothing in recurring charges. What you do pay for is converting money you do not already hold, which is the line to watch if you spend in several currencies.
How much does bunq charge to convert currency?+
Currency conversion fees run 0.5% to 3%, charged when you pay in a currency the account does not hold. The account covers 8 currencies and multi-currency use is a listed feature, so holding a balance in the currency you are spending in keeps that charge off most payments.
Who regulates bunq?+
The provider is bunq B.V., registered in the Netherlands, and De Nederlandsche Bank is the regulator there. Because bunq is a Netherlands based bank, an account sits inside the Dutch system rather than the UK one, which matters if you are weighing it against UK providers.
What card does bunq issue?+
The card is a debit card on the mastercard network, so spending draws on the balance you hold. A virtual card is among the listed features, which helps for online payments and subscriptions you would rather not put your everyday card on.
Who is bunq aimed at?+
The listed audience is students, and the account suits anyone paid or spending in the eurozone who also holds another currency. With 8 currencies supported and features covering multi-currency use, crypto and travel, it is pitched at everyday European money rather than a single market.
How do I get help from bunq?+
Support runs on email and chat, so questions go by chat or email rather than by phone. That suits people happy to start a conversation in the app, and it is the main practical point to weigh against a provider you can ring.
How does bunq compare with Wise and Starling on price?+
Monthly fees are €0 at bunq, £0 at Wise and £0 at Starling Personal Account Debit Card, so monthly cost barely separates them. The difference sits in the currency conversion fee, which runs 0.5% to 3% here.
Sources
- bunq.com checked September 26, 2026
Backs: Audience, Card kind, Pricing model
“Students get bunq for free - bunq Free personal account”
- bunq.com/about checked September 26, 2026
Backs: Founded
“In 2012, founder Ali Niknam set out to build banking”
- bunq.com/about/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Basisweg 32, 1043 AP Amsterdam, The Netherlands - bunq B.V.”
- bunq.com/personal/features/zero-fx checked September 26, 2026
Backs: Currencies, Currency conversion fee, Card network
“Earn high interest across 8 global currencies”
- bunq.com/personal/plans checked September 26, 2026
Backs: Annual fee
“bunq Free - Free - A simple Personal Account to get started with bunq”
- bunq.com/personal/plans/bunq-free checked September 26, 2026
Backs: Card type, Features, Monthly fee, Support channels
“Every bunq user gets a Credit Card - bunq Free personal account”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.