bunq review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
bunq fits expats and anyone living across Europe who wants a euro account that pays interest on everyday money and handles spending and investing in the same app. Savings pay 3.01% on an easy access balance held under EU DGS up to EUR 100,000, with interest credited weekly.
Key facts
- Best for
- A no cost euro account that pays interest, with cards and fractional shares for people living between European countries.
- Premium from
- €0↗
- Monthly payments
- Yes↗
- Legal entity
- bunq B.V.↗
- Headquarters
- Netherlands↗
- Founded
- 2012↗
- Support channels
- Email, Help-centre↗
- Audience
- Expats
- Pricing model
- Monthly
- Official website
- bunq.com
Brokers
Savings
Crypto exchanges
Pros and cons
Pros
- Investing sits in the same app, with stocks, etfs and crypto and fractional shares among the plan features.
- The card runs on mastercard, and conversion costs 0.5% to 3% across 8 currencies.
- Regulated in the Netherlands by De Nederlandsche Bank, with savings under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000.
- Aimed at expats, so a euro account follows you between countries.
Cons
- Support runs on email and help centre only.
- The rate is variable, so the 3.01% headline can move in either direction.
- Crypto trades cost 0.25% to 1.99%, with maker fees of 0.25% to 1.99%.
Who it suits
- Anyone banking across the euro area, since bunq is licensed in the Netherlands, Germany, France, Spain, Ireland, Italy and Belgium.
- People who want saving, spending and investing in one place, since crypto, fractional shares and mobile app all run through bunq app.
- Savers who want interest without being locked into a term, since the account is easy access.
Who should look elsewhere
- Linxea, where €25 is the starting premium on a life insurance product rather than a balance that pays interest.
- Oney Préstamos ES, where €1,000 is a borrowing amount to repay, not money you hold.
- Euroasia Insurance, where UZS 60,000 buys car cover, not euro banking.
How bunq compares
8.8 vs 8.6
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8.8 vs 9.4
8.8 vs 8.7
8.8 vs 8.5
bunq vs ActivTrades8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.0
8.8 vs 8.7€1,000 is a loan you repay, the opposite of a savings balance.
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 8.7Its €25 starting premium is for life insurance, so it does not replace a current account that pays interest.
bunq vs Airwallex8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9
8.8 vs 9.0
8.8 vs 8.3
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
bunq vs Bitget (Trading Bots)8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1- 8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9
8.8 vs 8.9- 8.8 vs 8.6
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.3
8.8 vs 8.3
8.8 vs 8.2- 8.8 vs 8.0
Where bunq is available
- Licence in Netherlands
- De Nederlandsche Bank, checked September 26, 2026
- Licence in Germany
- Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) (HRB 293822), checked September 26, 2026
- Licence in France
- Banque de France (SIREN 893970970), checked September 26, 2026
- Licence in Spain
- Banco de Espana (W0086933I), checked September 26, 2026
- Licence in Ireland
- Central Bank of Ireland (909737), checked September 26, 2026
- Licence in Italy
- Banca d'Italia (MI - 2628476), checked September 26, 2026
- Licence in Belgium
- Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) (BE 0769.451.708), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a bunq account cost?+
The standard plan carries a monthly fee of €0 and an annual fee of €0, so the account itself is free to hold. What you pay depends on use: currency conversion on the card runs at 0.5% to 3%, and crypto trades are charged 0.25% to 1.99%. Everything is managed in bunq app.
How much interest does bunq pay on savings?+
The savings balance pays 3.01%, and the rate is variable, which means it can move rather than being locked in for a term. Interest is paid weekly into the account, and the account is easy access.
Is my money protected at bunq?+
Cash deposits fall under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000. bunq is supervised in the Netherlands by De Nederlandsche Bank, and its Banca d'Italia licence number is MI - 2628476. The bank is bunq B.V., founded in 2012.
Which countries can I use bunq in?+
bunq is a Dutch bank, with bunq B.V. based in the Netherlands. It is licensed in the Netherlands, Germany, France, Spain, Ireland, Italy and Belgium, so one account covers most of the euro area. The card runs on mastercard and the service is aimed at expats who move across borders.
How do I get my money out of bunq?+
Withdrawals are free up to a set number of times each month, and the free allowance rises after a waiting period with the bank. Any amount can be taken out, and interest is paid into the account weekly. If you need help, support runs on email and help centre.
What card comes with a bunq account?+
The card is a debit card on the mastercard network. Conversion costs 0.5% to 3% across 8 currencies, which is the number to watch if you spend abroad often. Everything is set up and controlled in bunq app.
Can I invest and trade crypto in the same account?+
All in a single app. stocks, etfs and crypto sit alongside the savings balance, and crypto, fractional shares and mobile app are listed plan features. Crypto trades cost 0.25% to 1.99%, maker fees run at 0.25% to 1.99%, and from 350 are listed. Retail losses are common, with 70.15% of retail accounts on the site losing money.
How do I contact bunq?+
Support runs on email and help centre, so questions go by email or through the help centre. The app is bunq app, and plan features such as crypto, fractional shares and mobile app are managed there. Card and account settings sit in the same place.
Sources
- en.wikipedia.org/wiki/Bunq checked September 26, 2026
Backs: Founded
“Founded 2012; 14 years ago (2012)”
- help.bunq.com/articles/crypto-faq checked September 26, 2026
Backs: Coins listed, Maker fee, Taker fee
“over 350 others available in the Crypto tab”
- help.bunq.com/articles/how-are-trading-fees-calculated checked September 26, 2026
Backs: Stock trade fee
“a fee of 0.99% is applied per buy and sell order - Stocks Account”
- help.bunq.com/articles/whats-massinterest-and-how-does-it... checked September 26, 2026
Backs: Account kind, Headline rate, Rate type
“Funds can be withdrawn maximum up to 3 times per calendar month.”
- help.bunq.com/en checked September 26, 2026
Backs: Support channels
“bunq Help Center: guides for your account - Need help with your bunq account? Find clear answers, smart tips, and easy fixes”
- play.google.com/store/apps/details checked September 26, 2026
Backs: Premium from
“bunq Free - EUR0/month Get started with essential banking.”
- bunq.com checked September 26, 2026
Backs: Card kind
“Right when you sign up, you get a Digital Credit Card ready to use”
- bunq.com/about/imprint checked September 26, 2026
Backs: Investor protection, Regulators
- bunq.com/en/about/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“bunq B.V. Basisweg 32, 1043 AP Amsterdam, The Netherlands”
- bunq.com/en/personal/plans checked September 26, 2026
Backs: Pricing model, Monthly payments
“bunq Pro EUR9.99 per month - More tools for saving, budgeting, and travel.”
- bunq.com/en/savings checked September 26, 2026
Backs: Access terms
“You can withdraw any amount, up to 2 times each month, completely free. Save with bunq for a year and you'll unlock 3 free monthly withdrawals”
- bunq.com/lp/affiliate-program checked September 26, 2026
Backs: Audience
“Expats - Help your audience make the most of life abroad. With bunq, expats and digital nomads can open an account in minutes”
- bunq.com/personal/features/crypto checked September 26, 2026
Backs: Exchange type
“Kraken powers trading and custody; bunq gives secure app access”
- 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, Features, Markets, Minimum deposit, Platforms
“bunq Free - Free - A simple Personal Account to get started with bunq”
And 2 more source pages.
Compiled from 17 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Insurance types, Provider type.
Related by the facts
bunq
A no cost euro account that pays interest, with cards and fractional shares for people living between European countries.