bunq

Digital bank · Amsterdam, Netherlands

bunq is a Dutch bank licensed by De Nederlandsche Bank in 2014 that serves personal and business customers living in 24 EEA countries. At the end of 2025 it held EUR 9.05 billion in total assets, EUR 8.43 billion in customer deposits, and it reported 22 million users and 665 staff at year end. Business plans run from EUR 0 per month for sole traders to EUR 23.99 per month for Elite Business, and give up to 25 bank accounts with their own IBANs plus payments priced in 20 currencies. The business terms place crypto firms, payment firms and other financial-service providers outside bunq's risk appetite, and crypto companies are reviewed only case by case. On 6 May 2025 DNB fined bunq EUR 2.6 million for insufficient customer due diligence, and bunq appealed that decision on 24 November 2025.

Legal name: bunq B.V.
Regulated by: De Nederlandsche Bank (DNB), prudential supervision of bunq B.V. on a stand-alone basis and consolidated at bunq holding B.V., Authority for the Financial Markets (AFM), conduct supervision in the Netherlands, FINRA (United States), broker-dealer licence approved in October 2025
Licence confirmed: yes, on a regulator's own list
Established: 2012
Website: www.bunq.com

Scores, 0 to 10

8.0Fast digital onboarding

bunq says a Business Account is opened online in about five minutes with no branch visit, but only company representatives resident in the 24 countries bunq operates in can apply. · source

7.5Europe (EU, EEA, Switzerland)

Licensed by De Nederlandsche Bank since 2014 and open to companies whose representative lives in one of 24 EEA countries, with instant SEPA transfers on every business plan and free foreign IBANs on the Pro and Elite Business plans. · source

7.5Business cards (Visa, Mastercard)

Debit and virtual Mastercards with employee Company Cards on the Pro and Elite Business plans, and the pricing sheet charges the real Mastercard exchange rate plus a 0.5% currency fluctuation fee on card payments in a foreign currency. · source

6.5Lowest fees

Monthly fees are low at EUR 0 for sole traders and EUR 7.99 for Core Business, but business users also pay EUR 0.13 per direct debit, EUR 0.13 per attachment and EUR 120 for a bank statement. · source

5.5Cross-border payments, FX and multi-currency accounts

Conversions run at the Currencycloud rate plus a 0.5% currency fluctuation prevention, and business fast payments cost EUR 0.99 to EUR 10 across 20 currencies with SWIFT at EUR 5 per payment. Pro and Elite Business include 25 bank accounts with their own IBANs plus a free API and Zapier, while the published price list carries no cash pooling, hedging or host-to-host service. · source

5.5Online businesses: e-commerce and SaaS

Business users take card payments through Tap to Pay at 1.5% of the amount and collect by iDEAL or Bancontact at EUR 0.27 per payment, but bunq sells no merchant acquiring and no marketplace payout product. The business page offers 50+ bookkeeping integrations and holding and exchanging 20+ currencies, but only companies registered in nine EU countries with EEA-resident owners can open an account. · source

5.5Customer satisfaction

Trustpilot data show a 3.9 score across 20,969 reviews with 5,142 one-star ratings, and the profile carries a Trustpilot consumer alert for fake reviews. · source

5.0Financial strength & stability

CET1 stood at 23.32% and the liquidity coverage ratio at 350% at the end of 2025, but bunq carries no public credit rating, profit before tax fell from EUR 85.3 million in 2024 to EUR 34.6 million in 2025, and the EUR 2.6 million DNB fine of May 2025 is still under appeal after DNB found repeated anti-money-laundering failings across examinations from 2018 to 2023. · source

4.5Best interest on business balances

Business savings pay 0.75% a year in euro and 2.30% in USD or GBP, and interest accrues only on the first EUR 100,000 held per currency. · source

4.5On-ramp: buy crypto with fiat

bunq's help centre says all crypto activity is high risk but it can accept companies that invest in crypto for their own account or use crypto for payments, after an individual assessment; exchanges, miners, wallet providers and funds are refused. · source

4.0Crypto-friendly bank

The business terms put crypto currencies outside bunq's risk appetite except crypto consultancy, and say crypto industry companies may qualify only case by case after a more elaborate due diligence process. · source

4.0Startups & VC-backed companies

Business accounts open in minutes with no revenue requirement, yet bunq offers no venture debt, no cap table tools and no investor programme, and bunq Free Business is limited to sole traders registered at a chamber of commerce. · source

4.0Off-ramp: crypto to fiat in a business account

Exchange proceeds are acceptable only for companies approved as investing their own funds, case by case, and the business terms put crypto outside bunq's risk appetite, so incoming crypto money faces extra review. · source

4.0Bitcoin

Bitcoin can be bought, sold and swapped from EUR 1 inside the personal app through Kraken, which is a retail-only feature. · source

4.0Ethereum

Ether trading and Kraken staking, with Kraken keeping 25% of rewards, are available in the personal app only. · source

3.5Crypto wallet and custody for a business

bunq Crypto, launched in April 2025, is open only to verified bunq Personal account holders in EEA countries, with trading and custody done by Kraken's MiCA-licensed Irish entity, so a company cannot hold crypto at bunq. · source

3.0Stablecoins (USDC, USDT and others)

The personal app offers over 300 coins through Kraken but bunq's pages do not name any stablecoin, and business accounts get no stablecoin holding or payouts, checked September 2026. · source

2.0Foreign-owned & non-resident companies

The business must be registered in the Netherlands, Belgium, France, Germany, Austria, Spain, Italy, Ireland or Portugal, the applicant must live permanently in the EEA, and bunq cannot open a Business account if any UBO resides outside the EEA. · source

1.5Fintech companies that need a partner bank

The business terms name financial institutions and other entities offering financial services, plus companies that manage third-party funds, as activities outside bunq's risk appetite. · source

1.5Trade, manufacturing & import-export

The bunq price list has no letters of credit, guarantees or documentary collections, and the only asset and invoice finance in the group sits in the Irish subsidiary Capitalflow Group DAC. · source

1.0High-risk verticals (iGaming, cannabis, adult, forex)

The business terms put casinos, lotteries and other gambling activities, adult entertainment and pornographic material, crypto currencies and drugs outside bunq's risk appetite and name gambling and forex trading as higher-risk uses that can end the relationship. · source

1.0Accept crypto payments

bunq's business pages and help centre describe no crypto or stablecoin acceptance for merchants, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.