Eligible EEA personal or supported-business app-first banking.
Personal and business bank review / EEA
bunq review: one Dutch bank across several EEA markets.
bunq B.V. directly provides the cited German and French accounts under its Dutch licence. Eligible deposits use Dutch DGS even when a local IBAN is available. Plans, savings, stocks, crypto, cards, cash, insurance and partner products keep separate terms and risks.
Direct answer
bunq works best for eligible EEA users who want a feature-dense app.
Germany and France currently show Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 monthly. The free entry point includes an account and digital-card route; paid plans add varying physical cards, accounts, cash, travel and budgeting tools.
The trade-off is scope complexity. Payment and savings deposits can sit at bunq B.V., while Stocks uses investment arrangements and Crypto uses Kraken. Business accounts require a verified Personal account. Cash and foreign currencies remain conditional.
You need branch-led service, non-EEA tax residency or a simple deposit-only product set.
Direct Dutch-bank deposits with free and paid EEA entry plans.
Stocks, crypto, insurance and partners do not inherit deposit-loss protection.
Market and account scope
Change the market; keep the legal model exact.
Germany · evidence observed 12 July 2026
Conditional verdict
Germany personal account
A Dutch-bank account available to eligible German residents who accept app-first service and plan-, product- and partner-specific conditions.
Sources: SRC-BUNQ-DE-PERSONAL-TERMS · SRC-BUNQ-DE-PLANS · SRC-DNB-BUNQ-BANK-REGISTER · SRC-BUNQ-EEA-ELIGIBILITY- Best for
- Eligible EEA-tax-resident customers in Germany comparing multiple accounts, cards, savings, travel and investing tools.
- Avoid if
- You need branch service, non-EEA tax residency or one protection rule covering deposits, stocks and crypto.
- Legal model
- bunq B.V., a Dutch bank, directly provides the cited German-market account.
- Cost boundary
- Free is EUR 0 monthly; Core, Pro and Elite cost more, while cards, cash, foreign currency, stocks, crypto and partners add separate costs.
- Protection boundary
- Eligible deposits aggregate at bunq B.V. under the Dutch EUR 100,000 per-person, per-bank scheme, not German EdB.
- Key condition
- Supported EEA residence and tax residency, phone, identity, TIN, verification and acceptance.
Legal and regulatory structure
One Dutch bank serves multiple markets through one legal core.
Local availability and IBAN presentation do not change the home-state bank or make every product universal.
bunq B.V.
The Amsterdam-based bank identified in DNB's current bank and DGS records.
Germany personal
Free, Core, Pro and Elite under German-market terms with Dutch DGS treatment.
France personal
French-market plans and IBAN conditions without moving deposits into French FGDR.
Supported business
A separate account after Personal verification for eligible businesses and directors.
Open bunq bank, Germany and France sources
Deposit protection
Eligible deposits aggregate at bunq B.V. under the Dutch scheme.
Dutch DGS automatically protects eligible bank-account money up to EUR 100,000 per person, per bank. Eligible payment and savings deposits across bunq, bunq.com and bunq B.V. aggregate; plans, cards, local IBANs and sub-accounts do not multiply the limit.
Stocks and ETFs carry investment risk and use a separate partner arrangement. Crypto is stored through Kraken under the cited product. Neither becomes a deposit because it appears in the bunq app. DGS is not insurance-benefit, app-uptime, fraud or market-loss protection.
Confirm the balance is an eligible deposit owed by bunq B.V.
Combine eligible deposits held with the same legal bank.
Payment accounts, savings, Stocks, Crypto and insurance use different rules.
Dutch DGS addresses eligible bank failure, not ordinary service failure.
Open bunq and Dutch DGS sources
Eligibility
Supported residence is the first gate; every product adds more.
The cited adult flow depends on supported EEA residence and tax residency, a supported phone, identity and tax information, verification and acceptance. Child accounts use a separate guardian flow. Savings, business, Stocks, Crypto and partners add further gates.
- One person can create only one Personal account under the cited guidance.
- A Business account and each additional director require verified Personal accounts.
- Business eligibility is limited to eight currently cited operating countries.
- Non-EEA tax residency does not satisfy the current personal eligibility rule.
Fee snapshot
A free account exists; the broader product stack is not universally free.
| bunq Free | EUR 0 monthly |
|---|---|
| bunq Core | EUR 3.99 monthly |
| bunq Pro | EUR 9.99 monthly |
| bunq Elite | EUR 18.99 monthly |
| Extra ATM withdrawal | EUR 0.99 or EUR 2.99 by allowance |
| Stocks after cited promotion | 0.99% per trade before discounts |
| Crypto service fee | 0.25% to 1.99% by plan |
| Business excess instant transfer | EUR 0.13 |
This is a dated Germany/France personal-plan snapshot, not total cost. Cards, cash, foreign currency, Stocks, Crypto, business use, insurance, promotions and partners can add terms.
Products and conditions
One app contains bank accounts, plans and non-deposit products.
The payment account is the base; savings, Stocks, Crypto, insurance and business tools keep their own terms.
Personal current account
Direct account at bunq B.V. with market-specific IBAN and plan-specific card access.
Free, Core, Pro and Elite
Free and paid feature layers; they do not create separate banks or protection limits.
Savings and term deposits
Deposit products use rate, threshold, withdrawal, currency and maturity conditions.
Owner and director accounts
A verified Personal account gates separate Business eligibility, plans and access.
Stocks, ETFs and crypto
Capital- or asset-risk products; deposit protection does not insure market performance.
Foreign currency and insurance
Availability, exchange, cover, exclusions, partners and plan allowances remain separate.
Personal plans and savings
Monthly price is only the first comparison field.
The cited German and French comparisons list Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 monthly. Cards, account counts, cash allowances and travel features vary. Savings rates, Stocks and Crypto use separate pricing and eligibility.
Entry-level bank account and digital-card access; physical-card and cash needs differ.
Physical cards and broader account, budgeting, cash or foreign-currency allowances.
Broader travel, card and investment-fee benefits; exclusions and partner terms apply.
Cards, cash and rails
Access is broad, but every channel has its own boundary.
A Mastercard mark, payment rail or cash method does not override limits, screening, funds availability or fees.
SEPA and instant transfers
bunq participates in TIPS and RT1, but recipient support, screening and controls can route a payment through regular SEPA instead.
Cards and device wallets
Digital, physical, debit, credit-labelled and wallet cards vary by plan and market.
ATM withdrawals
Plan allowances use EUR 0.99 and EUR 2.99 excess tiers; verification-age, ATM and daily technical limits also apply.
Cash deposits
Paysafe and Barzahlen are retail methods, not branches; market, minimum, maximum and fee conditions apply.
Direct Debits and controls
Mandates, refunds, merchant acceptance, Safety Shield and limits remain distinct tools.
Foreign-currency accounts
Holding, conversion, transfer, card-spend and intermediary costs depend on currency and destination.
Security, support and testing
Published controls and store ratings are not reliability proof.
The Google Play listing observed on 12 July 2026 showed 3.7 from roughly 37,000 reviews, more than 5 million downloads and an update dated 20 June 2026. Store ratings, reviews, counts and versions can change and are not NeobankDB reliability scores.
NeobankDB did not open an account, receive a card, move money, use cash, savings, Stocks or Crypto, contact support, dispute a transaction or test recovery. bunq lists in-app and web support, email, an automated emergency line and a human SOS hotline for paid plans. Channel availability and response targets do not establish quality.
Review component state
- Legal structure
- Primary sources reviewed
- Core fees
- Dated official schedule reviewed
- Protection
- Dutch DGS framework reviewed
- Market scope
- Germany, France and business gates
- App sentiment
- Store snapshot only
- Support experience
- Channels sourced; quality not tested
- Overall numerical score
- Not published
Advantages
What the approved evidence supports.
- Direct Dutch bank status with eligible DGS-protected deposits.
- A free personal entry plan with clearly listed paid upgrades.
- Personal, joint, child and conditionally eligible business paths.
- Cards, SEPA, instant payments, cash methods and budgeting capabilities.
- Visible current terms for savings, Stocks, Crypto and support.
Limitations
What can make bunq the wrong fit.
- Supported EEA residence and tax residency are hard personal-account gates.
- App-first service is a poor fit for users who require branch-led support.
- Cash, cards, transfers, foreign currency, Stocks, Crypto and partners can add fees.
- Paid-plan benefits, insurance, investments and savings rates can change or require eligibility.
- No independent reliability, support, dispute or investment-outcome test.
Alternatives
Compare legal models before comparing feature lists.
The nearest alternative depends on the market, branch need, product class and international-payment job.
International money
Compare Wise when cross-border money matters more than a Dutch-bank deposit account.
Open the Wise reviewGerman bank and fintech set
Use the Germany hub to compare bunq, N26, Revolut and payment accounts by legal model.
Open the Germany hubFrench account set
Use the France hub to compare bunq with French and other home-state bank models.
Open the France hubCrypto boundary
bunq Crypto is a separate in-app asset product executed and stored through Kraken, with plan-dependent service fees and a spread. It is not a deposit. This review approves no unrelated outbound bunq-to-exchange route merely from an IBAN or card.
Source ledger
Every material claim keeps its product, bank and date.
Sources were observed on 12 July 2026 and require launch-time reverification.
SRC-BUNQ-DE-PERSONAL-TERMS · bunq personal account terms for Germany
- bunq's German-market terms identify bunq B.V. and apply Dutch Deposit Guarantee treatment to eligible verified accounts, subject to exclusions.
- The EUR 100,000 limit aggregates eligible deposits across bunq, bunq B.V. and bunq.com rather than treating names as separate banks.
- Account, identity, payment, savings, joint-account and product conditions remain governed by the current terms.
SRC-BUNQ-DE-PLANS · bunq personal plans in Germany
- The observed comparison lists bunq Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 per month.
- Cards, account counts, currency exchange, withdrawals, business plans and other functions use plan-specific allowances and fees.
- A free trial or promotional feature is not treated as permanent availability or pricing.
SRC-BUNQ-FR-PERSONAL-TERMS · bunq personal account terms for France
- bunq's French-market terms identify bunq B.V. and retain Dutch Deposit Guarantee treatment for eligible verified accounts.
- Eligible deposits aggregate across bunq names at the same legal bank.
- Identity, account, savings, payment and product exclusions remain governed by current terms.
SRC-BUNQ-FR-PLANS · bunq personal plans in France
- The observed comparison lists Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 per month.
- French IBAN availability, cards, account counts, withdrawals, exchange and business features vary by plan.
- French IBAN availability does not move eligible deposits out of the Dutch Deposit Guarantee.
SRC-DNB-DGS · Dutch Deposit Guarantee
- DNB states that the Dutch Deposit Guarantee automatically protects eligible money in bank accounts up to EUR 100,000 per person per bank.
- Coverage follows the legal bank and aggregate eligible accounts, while exclusions and temporary high balances have separate conditions.
- Investments and crypto assets are not deposits protected by the Dutch scheme.
SRC-DNB-BUNQ-DGS-REGISTER · Dutch Deposit Guarantee register query for bunq
- DNB's scheme register provides the authoritative bank and trade-name lookup for Dutch Deposit Guarantee participation.
- The bunq query must be read with the account terms because brand variants do not create separate EUR 100,000 limits.
- German availability does not move a bunq deposit into the German EdB scheme.
SRC-DNB-BUNQ-BANK-REGISTER · DNB register detail for bunq B.V.
- DNB identifies bunq B.V. as a Dutch bank with statutory seat in Amsterdam and lists bunq B.V., bunq.com and bunq as trade names of the same institution.
- The register includes acceptance of deposits, lending, payment services, means of payment, foreign exchange, securities-related and electronic-money activities under bunq B.V.'s record.
- A regulated activity in the register does not make every product available to every market, customer or plan and does not convert stocks or crypto into deposits.
SRC-BUNQ-EEA-ELIGIBILITY · bunq EEA residence and tax-residency eligibility
- bunq states that customers must reside in a supported EEA country and have EEA tax residency rather than merely visiting Europe or holding an EEA address.
- The cited page says non-EEA tax residency, including United States or United Kingdom tax residency, does not currently satisfy account-opening eligibility.
- Residence, tax identification, identity, phone, verification, acceptance and product conditions remain separate gates.
SRC-BUNQ-BUSINESS-ELIGIBILITY · bunq personal-account gate for business accounts
- A verified bunq Personal account is required to open and access a Business account, and each additional director needs a separate verified Personal account.
- bunq says one person can create only one Personal account; the Personal plan can be switched to bunq Free when it is not otherwise used.
- A Personal-account login requirement does not merge personal and business ownership, fees, eligibility, cards, transactions or protection calculations.
SRC-BUNQ-CASH-LIMITS · bunq card, cash-deposit and cash-withdrawal limits
- The cited limits page lists Paysafe and Barzahlen cash-deposit methods with method-specific minimums, maximums and monthly limits and makes clear that availability is not equivalent to a branch cash desk.
- Personal cash-withdrawal technical limits depend on account-verification age, while ATM operators can impose separate fees and limits.
- Card payments, top-ups, cash deposits, cash withdrawals and contactless payments each use separate limits that can change by account age, customer type, market or terminal.
SRC-BUNQ-SUPPORT · Contacting bunq support and SOS channels
- bunq lists in-app and web support plus support@bunq.com, while the encrypted in-app channel is the recommended ordinary route.
- An automated emergency line can freeze a card or account, and Core, Pro and Elite users can access a 24/7 in-app SOS hotline to a bunq employee under the cited terms.
- Published channels and response targets do not establish support quality, resolution, recovery or reliability; NeobankDB did not contact support.
SRC-BUNQ-SAVINGS-RATES-DE · bunq MassInterest rates for Germany
- The German guidance states that the variable EUR personal base rate is 1.51% and the variable bonus rate rose to 3.01% on 1 July 2026.
- The bonus treatment depends on a twice-yearly threshold based on the customer's highest savings balance in the prior six-month window; it is not a universal rate on every euro.
- Foreign-currency savings, business accounts, new customers, joint savings, limits, withdrawals and future rate changes retain separate conditions.
SRC-BUNQ-STOCKS · bunq Stocks product and fee guidance
- The cited German-market page lists stocks and ETFs from EUR 10, a three-month zero-trading-fee promotion up to stated conditions and a 0.99% fee per trade afterwards.
- Pro and Elite receive plan-specific fee discounts; the feature, promotion, instrument, partner, tax and customer eligibility can change.
- Stocks and ETFs are investments with capital-loss risk, not bunq bank deposits protected against market losses by the Dutch DGS.
SRC-BUNQ-CRYPTO · bunq Crypto product, partner and fee FAQ
- bunq Crypto allows eligible customers to buy, sell and swap supported crypto from euro Bank Accounts through Kraken after the required verification.
- The cited plan-dependent service fees are 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite, with spread and price movement remaining separate.
- Kraken stores the crypto under the cited arrangement; crypto carries asset risk and is not a bunq deposit or Dutch DGS-protected investment return.
SRC-BUNQ-INSTANT-PAYMENTS · bunq instant-payment support and conditions
- bunq states that it participates in TIPS and RT1 and attempts instant transfers with participating banks, including at weekends.
- Receiving-bank setup, system mismatch, fraud controls or compliance checks can cause a payment to use regular SEPA Credit Transfer instead.
- Personal plans list instant transfers without an additional transaction charge; Business free-transaction allowances and the cited EUR 0.13 excess fee are plan-specific.
SRC-BUNQ-GOOGLE · bunq Google Play listing
- The listing showed 3.7 from roughly 37,000 reviews and more than 5 million downloads, with an update dated 20 June 2026, at observation.
- The listing combines plan, account, card, savings, stock, crypto, business, travel and support claims whose exact availability remains market- and product-specific.
- Ratings, reviews, counts, version, data-safety declarations and availability can change and do not establish reliability or a NeobankDB score.
Deliberately unavailable or unscored
- A universal winner, approval guarantee, permanent APY, limit or fee.
- A permanent savings rate, plan-benefit value, credit approval or lending limit.
- Availability for non-EEA tax residents or unsupported business countries.
- Independent uptime, fraud, dispute, support, credit or recovery outcomes.
- An unrelated third-party exchange route or DGS market-loss cover for investments.
- An affiliate-driven rank, unexplained trust score or numerical review score.
Change history
What this evidence window records.
- Initial bunq review approved with current Dutch bank, German and French account, plan, fee, DGS, business, savings, Stocks, Crypto, app and support evidence.
- EEA residence and tax-residency gates and the verified-Personal requirement for supported Business accounts added as separate eligibility boundaries.