Il nostro verdetto
bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest. Its free plan is limited (virtual card only, €2.99 per ATM withdrawal), so most travellers will want Core or Pro. A strong choice for EU residents wanting flexible, feature-rich banking.
Pro
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
- Cashback & savings interest on higher tiers
Contro
- Free plan has only a virtual card and €2.99 ATM fees
- Free plan FX rises to 1.5% after €1,000 a year
- EU residents only (UK sign-ups paused, US pending a licence)
- Premium features gated behind pricier plans
Commissioni e dati chiave
| Registrazione | Free |
|---|---|
| Canone mensile | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Invia / ricevi | Free instant euro transfers; SWIFT €5 |
| Tasso di cambio | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Prelievi | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Carta | Yes — physical & virtual Mastercard |
| Disponibilità | EU residents (new UK sign-ups paused) |
| Valute | About 20 currencies; local IBANs from 7 EU countries |
| Fondata | 2012 |
| Sede centrale | Amsterdam, Netherlands |
| Regolamentazione | De Nederlandsche Bank (DNB) full EU banking licence |
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bunq — frequently asked questions
Is bunq safe to use?
bunq is regulated by De Nederlandsche Bank (DNB) full EU banking licence and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does bunq charge?
Account/monthly fee: Free €0; Core €3.99; Pro €9.99; Elite €18.99. Sending or receiving: Free instant euro transfers; SWIFT €5. Currency conversion: Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year). Withdrawals: Free: €2.99 each; Pro/Elite: first 6 a month free. Fees can change and may vary by country, so always confirm the latest terms on the official bunq site.
Which countries can use bunq?
bunq is available in EU residents (new UK sign-ups paused). Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does bunq offer a card?
Yes — physical & virtual Mastercard. It supports About 20 currencies; local IBANs from 7 EU countries.
What is bunq best for?
bunq is best for digital nomads needing eu banking + multi-currency. bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest.
Who is behind bunq and where is it based?
bunq launched in 2012 and is based in Amsterdam, Netherlands, regulated by De Nederlandsche Bank (DNB) full EU banking licence.
Comments 7
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Outstanding features and design. The only issue is that the monthly subscription is quite high compared to other neobanks.
Very innovative app, but it updates frequently and they keep rearranging the menu layout, which is confusing. Overall still a great product.
I love the green card and the eco-friendly focus. The app features are way ahead of standard banks - auto-save, dual-pin, instant interest.
The pricing is steep (nearly 9 EUR/month for standard banking). The support is also a bit slow, taking up to 12 hours for a response.
The pricing is steep (nearly 9 EUR/month for standard banking). The support is also a bit slow, taking up to 12 hours for a response.
I love the green card and the eco-friendly focus. The app features are way ahead of standard banks - auto-save, dual-pin, instant interest.
The ultimate multi-currency banking app! I get multiple IBANs (NL, DE, FR, ES) in one account, which is amazing for living across borders.