bunq B.V. Niederlassung Deutschland products, services and reviews

About bunq B.V. Niederlassung Deutschland

bunq B.V. Niederlassung Deutschland is the German branch of bunq B.V., a Dutch bank operating in Germany under EU passporting rules. bunq holds a full banking license in the Netherlands and is supervised by De Nederlandsche Bank for prudential matters and the Dutch Authority for the Financial Markets for conduct; the German branch is registered with BaFin as a cross-border EEA branch. Customer deposits are protected by the Dutch Deposit Guarantee Scheme up to EUR 100,000 per depositor, per bank, with the cap applying to the aggregate of eligible accounts. The bank provides app-based current accounts for private and business users on a subscription model with multiple tiers, along with SEPA transfers (including instant payments where available), virtual and physical Mastercard-branded cards, Apple Pay and Google Pay support, and the option of a German IBAN; savings features pay variable interest that depends on plan and may change. Onboarding, identity verification, and daily account management are fully digital, there is no branch network, and cash handling is limited: ATM withdrawals and card usage are subject to plan-dependent limits and fees, and cash deposits are generally not supported or rely on third-party services that incur charges. Ancillary services such as international transfers or investments, where offered, are typically provided via external partners and have separate pricing; investment products are not covered by deposit insurance. Business accounts include tools such as multiple sub-accounts, user permissions, and bookkeeping exports, with availability varying by plan and jurisdiction. The bank does not issue a Girocard, so card acceptance is based on Mastercard infrastructure, which may affect use at some domestic-only acceptance points. Customer service is primarily provided via in-app chat and email, with limited phone support; response times and service language depend on operating hours and demand. Fees, limits, rates, and feature availability can change and differ by plan and country, so users should review the current terms, price lists, and regulatory disclosures provided by bunq B.V. and its German branch before opening an account.