bunq review
Flexible European banking with personal and business accounts, cards, and international transfers.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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.
bunq pros and cons
- 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
bunq fact sheet, pricing and score →
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