bunq

Monthly fee

Free*Show source

Monthly fee: Free

Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month

Physical card fee

€99*Show source

Physical card fee: €99

Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee

Virtual card fee

FreeShow source

Virtual card fee: Free

Source states (paraphrased): Get a free virtual card the moment you sign up.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

FX fee

0%*Show source

FX fee: 0%

ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited

Source states (paraphrased): ZeroFX card payments abroad Up to €1,000 per year Unlimited Unlimited Unlimited

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited

ATM fee

€2.99*Show source

ATM fee: €2.99

Free plan: €2.99 each; Core/Pro/Elite: €0.99 for the first 5/month, then €2.99; Pro and Elite include 6 free withdrawals/month

Source states (paraphrased): Extra ATM Withdrawals €2.99 each €0.99 for the first 5/month, then €2.99

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Free plan: €2.99 each; Core/Pro/Elite: €0.99 for the first 5/month, then €2.99; Pro and Elite include 6 free withdrawals/month

Other fees & markups

Metal card €99 per card (Pro/Elite)Show source

Other fees & markups: Metal card €99 per card (Pro/Elite)

Source states (paraphrased): Metal Card ✕ ✕ €99 per card €99 per card

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Not yet researched: Annual fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.

Base cashback

0%*Show source

Base cashback: 0%

Programme ended 7 Dec 2025; partner cashback offers still available

Source states (paraphrased): We've ended our Cashback program

Source: We've said goodbye to Cashback | bunq Help

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

Programme ended 7 Dec 2025; partner cashback offers still available

Max cashback

0%*Show source

Max cashback: 0%

Cashback programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available

Source states (paraphrased): you’ll stop receiving Cashback on your Credit Card payments starting from December 8, 2025

Source: We've said goodbye to Cashback | bunq Help

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cashback programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available

Cashback type

None*Show source

Cashback type: None

Cashback programme ended on 7 December 2025

Source states (paraphrased): we've said goodbye to Cashback on December 7, 2025.

Source: We've said goodbye to Cashback | bunq Help

Official help center / FAQ (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Cashback programme ended on 7 December 2025

Interest on balance

3.11%*Show source

Interest on balance: 3.11%

Savings interest included in every plan incl. Free; variable

Source states (paraphrased): Each plan includes 3.11%* interest on your savings

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Savings interest included in every plan incl. Free; variable

Not yet researched: Cashback paid in, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.

Credit line

Yes*Show source

Credit line: Yes

Optional Credit Limit on the Credit Card

Source states (paraphrased): Pay from your own money, or add a Credit Limit if you want more flexibility.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Optional Credit Limit on the Credit Card

Spend own balance directly

YesShow source

Spend own balance directly: Yes

Source states (paraphrased): Pay from your own money, or add a Credit Limit if you want more flexibility.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend by borrowing against collateral.

Available in

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden*Show source

Available in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

bunq personal account (all bunq cards require one): citizens and residents of the listed supported EEA countries; non-EU citizens living there may also sign up with suitable documents. Overseas regions/territories excluded. Minors allowed with guardian permission.

Source states (paraphrased): 🇦🇹 Austria, 🇧🇪 Belgium, 🇧🇬 Bulgaria, 🇭🇷 Croatia, 🇨🇾 Cyprus, 🇨🇿 Czech Republic, 🇩🇰 Denmark, 🇪🇪 Estonia, 🇫🇮 Finland, 🇫🇷 France, 🇩🇪 Germany, 🇬🇷 Greece, 🇭🇺 Hungary, 🇮🇪 Ireland, 🇮🇹Italy, 🇱🇻 Latvia, 🇱🇹 Lithuania, 🇱🇺 Luxembourg, 🇲🇹 Malta, 🇳🇱 the Netherlands, 🇵🇱 Poland, 🇵🇹 Portugal, 🇷🇴 Romania, 🇸🇰 Slovakia, 🇸🇮 Slovenia, 🇪🇸 Spain and 🇸🇪 Sweden

Source: Who can open a bunq Personal account?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

bunq personal account (all bunq cards require one): citizens and residents of the listed supported EEA countries; non-EU citizens living there may also sign up with suitable documents. Overseas regions/territories excluded. Minors allowed with guardian permission.

Not available in

AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, RE*Show source

Not available in: AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, RE

Residents of Overseas Countries and Territories (Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon, Sint Eustatius, Sint Maarten, Wallis and Futuna) and French overseas regions (French Guiana, Guadeloupe, Martinique, Mayotte, Réunion) cannot currently open an account. Non-EEA residents can join a country waitlist.

Source states (paraphrased): Overseas Countries and Territories (OCTs): Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon

Source: Who can open a bunq Personal account?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Residents of Overseas Countries and Territories (Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon, Sint Eustatius, Sint Maarten, Wallis and Futuna) and French overseas regions (French Guiana, Guadeloupe, Martinique, Mayotte, Réunion) cannot currently open an account. Non-EEA residents can join a country waitlist.

Own IBAN / bank details

Yes*Show source

Own IBAN / bank details: Yes

Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans

Source states (paraphrased): Bank Accounts, each with its own IBAN

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans

Not yet researched: Account / spend currencies.

Apple Pay

Yes*Show source

Apple Pay: Yes

All plans

Source states (paraphrased): Apple Pay ✓ ✓ ✓ ✓

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

All plans

Google Pay

Yes*Show source

Google Pay: Yes

All plans

Source states (paraphrased): Google Pay ✓ ✓ ✓ ✓

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

All plans

Physical card

Yes*Show source

Physical card: Yes

Not on Free plan; Core 1 included, Pro/Elite 3 included

Source states (paraphrased): Physical Card ✕ 1 included 3 included 3 included

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Not on Free plan; Core 1 included, Pro/Elite 3 included

Virtual card

Yes*Show source

Virtual card: Yes

Free/Core 1 digital card, Pro/Elite 25

Source states (paraphrased): Digital Cards 1 included 1 included 25 included 25 included

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Free/Core 1 digital card, Pro/Elite 25

ATM withdrawals

YesShow source

ATM withdrawals: Yes

Source states (paraphrased): Free ATM Withdrawals ✕ ✕ 6/month 6/month

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Travel / rental car insurance

No*Show source

Travel / rental car insurance: No

Only bunq Elite plan

Source states (paraphrased): Travel insured, worldwide

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Only bunq Elite plan

Not yet researched: Spend stablecoins, Airport lounge access, Purchase protection, Spendable assets, Blockchains.

Regulation / licences

Full European banking licence issued by De Nederlandsche Bank (DNB)Show source

Regulation / licences: Full European banking licence issued by De Nederlandsche Bank (DNB)

Source states (paraphrased): We hold a full European banking license issued by the Dutch National Bank (DNB).

Source: Is bunq safe and reliable? | bunq Help

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Deposit protection

Yes*Show source

Deposit protection: Yes

Up to €100,000 via the Dutch Deposit Guarantee Scheme

Source states (paraphrased): Your deposits are covered by the Dutch Deposit Guarantee Scheme.

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Up to €100,000 via the Dutch Deposit Guarantee Scheme

Not yet researched: Smart-contract risk.

ATM limit

€1,000*Show source

ATM limit: €1,000

Personal accounts, per calendar day per person, for accounts verified 3 months or longer; €250 per day for accounts verified less than 3 months ago. Business: €1,000 per card per day.

Source states (paraphrased): Account verified 3 months or longer: €1,000 per calendar day, per person.

Source: Need cash?

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Personal accounts, per calendar day per person, for accounts verified 3 months or longer; €250 per day for accounts verified less than 3 months ago. Business: €1,000 per card per day.

Not yet researched: Spending limit.

Product status

ActiveShow source

Product status: Active

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Card type

Debit card, Credit card*Show source

Card type: Debit card, Credit card

Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit

Source states (paraphrased): Included from bunq Core, as a Debit Card or a Credit Card.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit

Network

MastercardShow source

Network: Mastercard

Source states (paraphrased): ZeroFX uses real Mastercard rates.

Source: ZeroFX with bunq

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Custody model

Custodial*Show source

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

The provider holds the funds

Card issuer / program manager

bunq B.V.Show source

Card issuer / program manager: bunq B.V.

Source states (paraphrased): bunq B.V. trading as bunq is licensed by the Dutch Central Bank (DNB) in the Netherlands

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Tiers / plans

Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source

Tiers / plans: Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/mo

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Not yet researched: Launch date.