bunq review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
bunq suits people who want a monthly banking app with fees starting at €0 and a regulated setup across Europe. It is built for expats and anyone comfortable managing money in an app, with a cost score of 9.6.
Key facts
- Best for
- Expats and app-first savers who want a monthly account with fees at €0.
- Premium from
- €0 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Legal entity
- bunq B.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 2012 (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Audience
- Expats
- Pricing model
- Monthly
- Official website
- bunq.com
Pros and cons
Pros
- Fees start at €0, below the site median of €8.37
- Monthly payments are available, and monthly billing is the only model on the site at 100%
- Regulated in NL and across six other European countries
- Aimed squarely at expats
Cons
- Support runs on email and help centre only, with no phone line
- Monthly payments are the only model listed in monthly, so annual billing is not offered
- A free entry point of €0 tells you nothing about the cost of heavier account use
Who it suits
- Expats opening a European account without a local branch visit
- App-first savers who are happy to handle everything in the app
- Anyone who values a regulated provider with licences across several European countries
Who should look elsewhere
- People who want to talk to someone by phone, since support runs on email and help centre
- Anyone who prefers an annual billing cycle, as monthly lists monthly only
The company behind it
bunq is run by bunq B.V., registered in the Netherlands and founded in 2012. It holds banking permissions in the Netherlands, Germany (HRB 293822), France (SIREN 893970970), Spain (W0086933I), Ireland (909737), Italy (MI - 2628476) and Belgium (BE 0769.451.708). Help runs through email and help centre.
How bunq compares
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 8.8
8.8 vs 8.7
8.8 vs 9.0
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 8.9
8.8 vs 8.9
8.8 vs 8.9
8.8 vs 9.3
8.8 vs 8.6- 8.8 vs 9.3
8.8 vs 9.3Max Life Insurance
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 8.9
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6- 8.8 vs 8.4
- 8.8 vs 8.2
Fit 2 Trip
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Where bunq is available
- Licence in Netherlands
- De Nederlandsche Bank, checked September 26, 2026
- Licence in Germany
- Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) (HRB 293822), checked September 26, 2026
- Licence in France
- Banque de France (SIREN 893970970), checked September 26, 2026
- Licence in Spain
- Banco de Espana (W0086933I), checked September 26, 2026
- Licence in Ireland
- Central Bank of Ireland (909737), checked September 26, 2026
- Licence in Italy
- Banca d'Italia (MI - 2628476), checked September 26, 2026
- Licence in Belgium
- Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) (BE 0769.451.708), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does bunq cost to get started?+
Fees start at €0, the lowest entry figure among the brands compared. The site median sits at €8.37, so the headline price is well under the typical starting point. Later charges depend on how heavily you use the account.
Can I pay monthly?+
Yes. Monthly payments are available, and monthly lists monthly as the only model. Across the site, monthly is the standard pattern, with 100% of providers billing this way. There is no annual option listed for bunq.
Is bunq regulated?+
Yes, in the Netherlands and several European markets. Permissions are listed for Germany (HRB 293822), France (SIREN 893970970), Spain (W0086933I), Ireland (909737), Italy (MI - 2628476) and Belgium (BE 0769.451.708).
How do I get help?+
Support runs through email and help centre, so a self-serve help centre and email carry the load. There is no phone channel listed, which is the one thing to weigh if you prefer speaking to someone directly.
Who is bunq built for?+
The stated audience is expats, and that shapes the product. It is a mobile-first account rather than a branch network, so it suits people who manage their money in an app.
How big is the company behind it?+
It is bunq B.V., registered in the Netherlands and founded in 2012. The wider market is crowded: 494 brands are compared here, of which 332 are licensed.
How does bunq compare with bonus.ch and EverQuote?+
All three have a low entry figure: bunq at €0, bonus.ch at CHF 0 and EverQuote at $0. Euroasia Insurance sits far higher at UZS 60,000, so cost favours bunq among these.
Sources
- en.wikipedia.org/wiki/Bunq checked September 26, 2026
Backs: Founded
“Founded 2012; 14 years ago (2012)”
- help.bunq.com/en checked September 26, 2026
Backs: Support channels
“bunq Help Center: guides for your account - Need help with your bunq account? Find clear answers, smart tips, and easy fixes”
- play.google.com/store/apps/details checked September 26, 2026
Backs: Premium from
“bunq Free - EUR0/month Get started with essential banking.”
- bunq.com/en/about/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“bunq B.V. Basisweg 32, 1043 AP Amsterdam, The Netherlands”
- bunq.com/en/personal/plans checked September 26, 2026
Backs: Pricing model, Monthly payments
“bunq Pro EUR9.99 per month - More tools for saving, budgeting, and travel.”
- bunq.com/lp/affiliate-program checked September 26, 2026
Backs: Audience
“Expats - Help your audience make the most of life abroad. With bunq, expats and digital nomads can open an account in minutes”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Insurance types, Provider type.