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Bunq products, services and reviews

Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Bunq

bank3555NL

Bunq

Netherlands

Credit ratings

Deposit Guarantee Scheme (DGS)

Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered

S&P

-

Moody’s

-

Fitch

-

About Bunq

Bunq BV, a Dutch fintech and neobank licensed in the Netherlands, has its headquarters in Amsterdam and serves customers across 30 European countries. Founded in 2012 by Ali Niknam, Bunq is renowned for its innovative approach to banking services and financial technology. The bank offers a diverse range of services, including personal and corporate banking accounts, deposit products, payment cards, loans, and mobile banking applications. Bunq made history in 2021 as the first digital bank to offer mortgage loans. Demonstrating its commitment to growth and market expansion, Bunq acquired Tricount in May 2022, reinforcing its market position and solidifying its standing as the second-largest neobank in the European Union. Bunq’s European user base reached 11 million at the end of 2023.

Bunq Deposit guarantee scheme participation

Bunq participates in the deposit guarantee scheme of Netherlands which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.

Bunq Countries of operations

Bunq offers their savings products in

Products offered by Bunq and interest rates

Bunq offers 0 deposits and 12 savings accounts in .

Bunq offers the following fixed deposits in EUR in Lithuania, Austria, Malta, Slovenia, Ireland, Estonia, Luxembourg, Hungary, Slovakia, Czech Republic, Netherlands, Switzerland, Croatia, Greece, Romania, Bulgaria, France, Italy, Cyprus, Belgium, Portugal, Spain, Latvia, Finland: 0 months deposit - 3.36%.

Bunq offers the following fixed deposits in USD in Spain, Ireland, Netherlands: 0 months deposit - 3.71%.

Bunq offers the following fixed deposits in GBP in Spain, Ireland, Netherlands: 0 months deposit - 3.71%.

Best interest rates in Netherlands

12 mths Fixed deposits

2.9%

EUR

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24 mths Fixed deposits

2.35%

EUR

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36 mths Fixed deposits

2.25%

EUR

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0

Savings accounts offered by Bunq

Sales region:

Interest rate

Annual fee

Cashback

3.36%EUR

FreeNo

3.71%USD

-No

3.71%GBP

-No

3.36%EUR

-No

Credit products offered by Bunq

There are no products yet

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Branches

bunq B.V.

bunq.com

Block A, The Crescent Building,, Northwood Business Park, Santry, Dublin 9, Dublin, Ireland

Bunq B.V., Sucursal en España

bunq.com

CL PRINCIPE DE VERGARA, 112, 28002, MADRID, Spain

Bunq Deposits protection

Bunq participates in dutch Deposit Guarantee Scheme (DGS), which insures amounts up to €100,000 per customer in case of the Bunq bankruptcy.

 

Bunq Bank Credit Rating

No credit ratings from major rating agencies available.

 

Geography of Operations

Bunq operates primarily within the European Economic Area (EEA) and has a significant presence in the following countries:

  • Netherlands
  • Germany
  • Austria
  • Belgium
  • France
  • Italy
  • Spain
  • Ireland
  • Portugal
  • Finland

Bunq plans to expand their services to United states and UK.

 

Bunq customer Reviews

Bunq has a customer rating of 3.8 out of 5 on Trustpilot. Customers frequently highlight:

  • The app is user-friendly.
  • Completely online: unlike brick-and-mortar banks Bunq onboards and serves their clients 100% online.
  • Clear fee structure.

However, some customers have raised concerns about:

  • Occasional app bugs: Some users experience occasional technical issues.
  • Low quality of customer support that can be only accessed through a chat.
  • Fees: most popular account options have monthly fees.
  • Account verification delays: Delays in the account verification process can be frustrating.
  • Some customers mention limited functionality of the application and limited product line failing to cover all customer needs.
  • Sometimes customers experience problems with Bunq cards payments abroad.
  • Limited product line: no fixed deposits and other demanded products.

 

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Bunq Bank Products

Personal and Business Accounts

Bunq offers a variety of personal and business accounts tailored to different needs:

  • Easy Bank Account: A standart account with essential banking features and low fees.
  • Easy Money Account: Includes additional features such as budgeting tools and multiple sub-accounts.
  • Easy Green Account: Designed for environmentally conscious users, this account plants a tree for every €100 spent.
  • Business Accounts: Bunq also offers business accounts with features such as VAT automation, invoice scanning, and multiple user access.

Bunq savings Accounts

Bunq’s savings accounts come with competitive interest rates and easy-to-use saving features:

  • High-Yield Savings: Offers competitive interest rates higher than traditional banks.
  • Savings Goals: Users can set specific goals and track their progress within the app.
  • No Minimum Balance: No minimum balance requirements, making it accessible for all users.

Bunq offers 3.36% for all new Personal Account users across the whole EEA region. Bunq existing users will earn 2.16% interest up to the highest savings balance they had from January to June 2024. Any funds they add on top of that before December 31 2024, will earn them 3.36% interest.

Note that Bunq doesn’t offer fixed deposits thus the rate you earn can change from time to time.

 

Open Bunq account

 

Bunq Cards

Bunq provides a range of debit and credit cards to suit different needs:

  1. Bunq Travel Card
    1. Type: Mastercard Credit Card
    2. Usage: Ideal for travelers with no foreign transaction fees.
    3. Features: Built-in travel insurance and competitive exchange rates. Works well when you need a credit card to book a car.
  2. Bunq Easy Green Card
    1. Type: Metal Mastercard
    2. Usage: Environmentally friendly card that plants a tree for every €100 spent.
    3. Features: Premium benefits including higher withdrawal limits and no foreign transaction fees.
  3. Bunq Debit Card
    1. Type: Maestro and Mastercard Debit Cards
    2. Usage: Everyday use, both online and in-store.
    3. Features: Real-time spending notifications and easy management through the app.

Bunq Interest Rates and Fees

  • Savings Accounts: Competitive interest rates, often higher than traditional banks.
  • Bunq doesnt offer fixed deposits, the only savings option is a savings account.
  • Card and account Fees: Transparent fee structure. However, the accounts aren’t provided for free.

 

Open Bunq account

 

Contacts

Address

Naritaweg 131-133, 1043 BS in Amsterdam, the Netherlands.

Phone number

+49 211 89840

Website

bunq.com

Bank identifiers

BIC number

BUNQNL2A

Name

Bunq

Country

Netherlands