bunq
bunq: Flexible European banking with personal and business accounts, cards, and international transfers. Ranked #2 of 55 in Neobank Apps by our editors (9.2/10); pricing: Free plan · 30-day trial; best for people needing flexible personal and business accounts.
At a glance
- Editor score9.2 / 10
- PricingFree plan · 30-day trial
- Best forPeople needing flexible personal and business accounts
- Free planYes
- Paid from€3.99/mo
- Account scopeBoth
- Founded2012 · Amsterdam, Netherlands
- Facts checked14 Nov 2026
Where it wins
- Multiple IBAN accounts and physical or digital cards across paid plans
- Foreign-currency accounts and transfers in over 40 currencies
- Personal and business accounts with web, iOS, and Android access
Where it doesn't
- Account and card limits vary substantially by plan
- Cash deposits are limited to eligible plans and supported countries
- Foreign-currency account availability depends on country of residence
Our verdict on bunq
bunq is a European digital bank offering personal and business accounts through mobile apps and web banking. It is aimed at people who want to manage accounts, cards, payments, savings and budgeting in one service, including those who need multiple IBAN accounts or cross-border transfers. Its range of plans may also suit solo operators and small businesses, while the personal plan pricing below clarifies the account and card differences.
The personal plans begin with bunq Free at €0 per month, which includes a personal account, three bank accounts with IBANs and one digital card. Core costs €3.99 monthly and adds two accounts plus one physical card; Pro costs €9.99 monthly and includes 25 accounts, three physical cards and 25 digital cards. Elite is €18.99 monthly, with 25 accounts, travel insurance and 8 GB of global eSIM data per year. These tiers are primarily differentiated by account and card allowances, with travel features appearing on Elite. The service also offers a 30-day free trial. Pricing and features may vary by country.
Its strongest fit is for customers who value account flexibility and international use: bunq supports foreign-currency accounts, transfers in over 40 currencies, payment scheduling and requests, and budgeting and spending insights. Apple Pay, Google Pay and Zapier are listed integrations, and in-store cash deposits are available on eligible plans in supported countries. In-app controls include card freeze and recipient name checks. The foreign-currency account feature is described for residents of the Netherlands, Germany, Spain, Italy, France and Ireland, so country eligibility matters. Choose bunq if its account structure and international features match your needs; consider another option if you need uniform availability across countries or predictable cash-deposit access.
Your product? Our editors can test bunq in depth and publish a review, labelled as paid · from $149/mo →
bunq pricing
bunq fact sheet
| Free plan | Yes |
|---|---|
| Paid from | €3.99/mo |
| Account scope | Both |
| Early pay access | Not verified |
| Cash deposit support | Yes |
| International transfers | Yes |
| Savings yield | Up to 3.11% |
| Supported currencies | 20 currencies |
| Free trial | 30 days |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | GDPR, 2FA |
| Support | Live chat, Phone, Docs · 24/7 |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 3 integrations: Apple Pay, Google Pay, Zapier |
| Pricing | Free plan · 30-day trial (source) |
| Website | bunq.com |
| Facts checked | 14 Nov 2026 |
bunq integrations
bunq lists 3 integrations on its own site.
- Apple Pay
- Google Pay
- Zapier
Alternatives to bunq
- Starling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
- MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1
- Revolut BusinessA business account for managing international money movement, cards, and expenses across teams.8.9
bunq vs the competition
- bunq vs Starling Bank
- bunq vs Monzo
- bunq vs Revolut Business
- bunq vs Capital One 360 Checking
- bunq vs KakaoBank
- bunq vs Rakuten Bank
Compare bunq with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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