bunq Free

The essentials to get you started.

Open a bank account

Your new bank account, ready in just 5 minutes

100% online - no branch visits, no paperwork

Just download the bunq app and sign up from anywhere.

Start without tax ID

No tax ID? No problem. Start banking right away and provide it within 90 days.

Earn up to 2,51% interest - paid out weekly

Boost your savings with 2,51% interest on EUR, and 3,01% on USD and GBP

Open a bank account

Bank account & Savings account

Take your budgeting to the next level by organizing your finances with up to 3 dedicated money pots. Each with a unique IBAN, so you can easily transfer money and even use them for direct debits.

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2,51%* interest paid out weekly

Make your savings grow faster with a highly competitive interest rate. Earnings get paid out weekly, so you benefit from compound interest and reach your goals even quicker.

* View full details here

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Everything in an instant

From instant notifications to real-time limit control, bunq makes it all lightning quick. Open your account in minutes, instantly create your card, and start spending right away.

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Get your Virtual Credit Card

Every bunq user gets a Debit or Credit Card. That means no interest fees or annual charges! Create it instantly in the bunq app, top it up and add it to your Apple Pay or Google Pay right away. You can start making mobile payments today!

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Effortless payment management

Simplify outgoing payments with AutoAccept and Scheduled Payments. Automatically approve requests from trusted contacts and allow them to schedule payments in advance.

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Grow your wealth

Invest on the go with the bunq app. Start with just €10 and enjoy zero fees for the first 3 months.

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Get the best exchange rate abroad

Spend smarter with ZeroFX. Use your bunq bank debit or credit card to get great value on purchases in currencies outside the Eurozone. Up to €1,000 per year for bunq Free users.

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24/7 Online Support

Contact us 24/7/365 via the secured in-app chat and email. We’ll provide personalized priority assistance to help you make the most of your bunq account—all in your language!

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Offset your CO2

We’re planting 30 million trees! Spend with your bunq card and earn trees as you go. With veritree, each tree is planted at the right time, in the right place, and carefully tracked as it grows. You’ll be able to follow your trees and see the positive impact they make over time.

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Trusted by millions of users

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Help in your language, whenever you need it.

FAQ

Is bunq Free this a free bank account?

The bunq Free plan is free! It is the perfect plan with all the essentials to get you started! Simply download the app, set it up in just 5 minutes and deposit any amount you like. You can also withdraw money up to 2 times a month and you even get a little taste of how bunq makes life easy.

Of course, to truly experience life without the hassle of money admin you can always upgrade to bunq Core, bunq Pro or bunq Elite in seconds. All the benefits of bunq Free apply to our other plans as well. ✨

You can see all of the cool plans we currently provide here

What are the main features of bunq Free bank account?

The free bank account at bunq gives you all the essentials to get you started, all without monthly costs. Here’s what you get:

💸 Essential Banking Features

A combination of 3 bank accounts – Choose between a Savings Account, Multi-currency Savings, Multi-currency Bank Account, or a regular Bank Account.
Instant Payments – Send and receive money instantly, anytime.
Scheduled Payments – Automate transfers with ease.
bunq.me Requests – Create personalized payment requests and get paid faster.
Apple Pay & Google Pay – Pay seamlessly with your phone.
(Instant) IBAN to IBAN Transfers – Move money quickly across accounts.

🌍 Save & Spend Smart

Virtual Card – Instantly access a Virtual Card for online payments with Apple Pay or Google Pay, at no extra cost.
Foreign Currency Payments – Spend in multiple currencies effortlessly.
ZeroFX – Exchange up to €1,000 per year with zero fees.
MassInterest – Earn interest on your savings, paid weekly:
Up to 2.51% for EEA residents.
Up to 3.01% for savings in USD and GBP.

🌱 Make an Impact

• Planting Trees as You Go – For every €1,000 spent with your bunq card, a tree is planted to help offset your CO2 footprint.

🚀 Extra Perks & Convenience

Tap to Pay – Accept card payments directly with your phone.
eSIM – Save up to 90% on roaming costs when you travel.
bunq Web – Manage your finances from any device.
Joint Accounts – Share an account with friends or family.
Group Expenses – Easily track and split costs with others.

🔒 Security & Peace of Mind

Biometric ID – Secure login with fingerprint or Face ID.
Deposit Protection – Your funds are safe and insured.
Instant Notifications – Stay on top of your transactions.
24/7 Support – Get help whenever you need it.

Can I also switch to another account at a later stage?

Of course, to truly experience life without the hassle of money admin you can always switch to bunq Free, bunq Core, bunq Pro or bunq Elite in seconds. ✨

How does bunq protect my bank account?

At bunq, your security is our absolute priority. Throughout our entire history, not a single cent has been lost due to a security breach. Our state-of-the-art security systems are designed to protect you and your money at all times.

Real-time monitoring: Our systems constantly watch for suspicious activity.
Instant account lockdown: If anything seems out of the ordinary, we can quickly secure your account to prevent unauthorized access.
Robust security protocols: We follow industry-leading best practices and continuously update our systems to ensure your data and money remain protected.

Want to learn more? Follow the link below

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