bunq
Mobile banking software
Financial services software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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€3.99 per month
Free TrialFree version
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- Media and communications
What is bunq
bunq is a mobile-first banking product that provides consumer and small-business accounts with payment cards, local and international transfers, and budgeting and savings features. It targets individuals, freelancers, and SMEs that want to manage day-to-day banking from a mobile app. The product emphasizes multi-account management (e.g., sub-accounts), card controls, and automation rules for payments and budgeting. bunq operates as a regulated bank in Europe and offers features such as SEPA payments and support for common digital wallet integrations.
Mobile-first account management
bunq centers most banking workflows in its mobile app, including account setup, payments, card controls, and notifications. This supports users who prefer self-service banking without branch interactions. The app-led approach aligns with modern digital banking expectations in this category.
Multiple accounts and budgeting
bunq supports creating multiple sub-accounts and organizing money for different purposes (e.g., bills, savings, projects). This structure can simplify budgeting and cash separation for individuals and small businesses. It reduces reliance on external budgeting tools for basic envelope-style money management.
Card controls and payments features
bunq provides payment cards with in-app controls such as freezing/unfreezing, spending insights, and configurable limits (availability can vary by plan and region). It supports common European payment rails such as SEPA transfers and typically includes features for international usage. These capabilities cover core needs for everyday spending and transfers in a single product.
Geographic and regulatory scope
bunq’s availability and feature set depend on country eligibility and local regulatory requirements. Some services (such as specific card types, interest/savings features, or business capabilities) may not be offered uniformly across regions. Organizations needing broad multi-country coverage may require additional banking partners.
Not a banking platform for banks
bunq is primarily an end-user banking product rather than a configurable digital banking platform for other financial institutions. It does not position itself as core banking or a white-label digital banking stack for banks and credit unions. Institutions seeking deep platform extensibility typically look for dedicated banking software vendors.
Pricing and plan complexity
bunq commonly uses tiered subscription plans, and key features can be gated by plan level. This can make total cost and feature eligibility less straightforward to evaluate than a single bundled offering. Users may need to compare plan details carefully to ensure required capabilities are included.
Plan & Pricing
Personal plans:
| Plan | Price | Key features & notes |
|---|---|---|
| bunq Free | €0.00 per month | Essentials to get started; up to 3 free Bank Accounts; Virtual Card (Credit or Debit). |
| bunq Core | €3.99 per month | Everyday bank account; open up to 5 Bank Accounts; order 1 physical card. |
| bunq Pro | €9.99 per month | Budgeting features; up to 25 free Bank Accounts; additional premium features. |
| bunq Elite | €18.99 per month | Designed for international lifestyle; up to 25 free Bank Accounts; travel/premium features (region-dependent). |
Business plans (Sole proprietors & Business):
| Plan | Price | Key features & notes |
|---|---|---|
| bunq Free (Sole Proprietors) | €0.00 per month | Free business starter account for sole proprietors (limited availability/eligibility). |
| bunq Core Business | €7.99 per month | Business everyday account. |
| bunq Pro Business | €13.99 per month | Business budgeting/scale features; includes 3 cards free (with Pro/Elite Business). |
| bunq Elite Business | €23.99 per month | Premium business features; includes 3 cards free (availability in select countries). |
Other:
- bunq Pack: €28.99/month total for up to 4 user accounts (equivalent to €7.25/month per person) — can be composed of 4x bunq Pro Personal or 3x bunq Pro Personal + 1x bunq Pro Business.
- Prices shown on the vendor website are in euros (EUR) and are presented as monthly subscription fees.
Seller details
bunq B.V.
Amsterdam, Netherlands
2012
Private
https://www.bunq.com
https://x.com/bunq
https://www.linkedin.com/company/bunq/
