With bunq ZeroFX, you always get the real Mastercard rate when you spend in foreign currencies—no hidden bank fees, no nasty surprises. Travel, shop, or work anywhere and keep more of your money where it belongs: with you.
With bunq ZeroFX, you always get the real Mastercard rate when you spend in foreign currencies—no hidden bank fees, no nasty surprises. Travel, shop, or work anywhere and keep more of your money where it belongs: with you.
With bunq ZeroFX, you always get the real Mastercard rate when you spend in foreign currencies—no hidden bank fees, no nasty surprises. Travel, shop, or work anywhere and keep more of your money where it belongs: with you.
Use your bunq Card abroad on non-euro transactions. Old-fashioned banks add big fees—bunq doesn’t. To protect you from currency swings and keep pricing transparent, we add a 0.5% markup to the latest rate when markets are open.
ZeroFX is on for all bunq users. On Personal Accounts, bunq Free includes up to €1,000/year in foreign-currency card spend at the standard card FX rate; once that allowance is used in a calendar year, a fee of 3% of each further transaction amount applies. Core, Pro, and Elite include unlimited foreign payments. On Business Accounts, the same limits apply for bunq Free vs Core, Pro, and Elite. See the pricing sheet .
Use your bunq Card abroad on non-euro transactions. Old-fashioned banks add big fees—bunq doesn’t. To protect you from currency swings and keep pricing transparent, we add a 0.5% markup to the latest rate when markets are open.
ZeroFX is on for all bunq users. On Personal Accounts, bunq Free includes up to €1,000/year in foreign-currency card spend at the standard card FX rate; once that allowance is used in a calendar year, a fee of 3% of each further transaction amount applies. Core, Pro, and Elite include unlimited foreign payments. On Business Accounts, the same limits apply for bunq Free vs Core, Pro, and Elite. See the pricing sheet .
Use your bunq Card abroad on non-euro transactions. Old-fashioned banks add big fees—bunq doesn’t. To protect you from currency swings and keep pricing transparent, we add a 0.5% markup to the latest rate when markets are open.
ZeroFX is on for all bunq users. On Personal Accounts, bunq Free includes up to €1,000/year in foreign-currency card spend at the standard card FX rate; once that allowance is used in a calendar year, a fee of 3% of each further transaction amount applies. Core, Pro, and Elite include unlimited foreign payments. On Business Accounts, the same limits apply for bunq Free vs Core, Pro, and Elite. See the pricing sheet .
Get instant local insights right in the app—real-time exchange rates, tipping customs, and other travel essentials so you can spend with confidence.
Get instant local insights right in the app—real-time exchange rates, tipping customs, and other travel essentials so you can spend with confidence.
Get instant local insights right in the app—real-time exchange rates, tipping customs, and other travel essentials so you can spend with confidence.
Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly. Rates can change—check the app for the latest.
Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly. Rates can change—check the app for the latest.
Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly. Rates can change—check the app for the latest.
Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates.
Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates.
Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates.
Try it free for 30 days, no strings attached.
Try it free for 30 days, no strings attached.
Try it free for 30 days, no strings attached.
Quick answers to help you choose the right plan and get started.
ZeroFX is on by default: card spending abroad uses the Mastercard rate with a 0.5% currency fluctuation adjustment while markets are open. Choose local currency at the terminal when you can.
bunq Free includes up to €1,000 of foreign-currency ZeroFX spend per year; above that, standard currency conversion fees apply. Core, Pro, and Elite have unlimited ZeroFX.
Yes! Your bunq Card works worldwide. For non-euro card payments, ZeroFX uses the Mastercard rate plus a 0.5% markup while markets are open, transparent pricing instead of hidden bank FX fees. ATM withdrawals abroad follow the fee structure below*.
* bunq Pro & bunq Elite users get six free ATM withdrawals per month at no extra cost; the next five cost €0.99 each. After that, ATM withdrawals cost €2.99 each.
Outside the Eurozone, Holiday Mode shows your balance in local currency next to euros. You can turn it on or off per Bank Account in Settings.
Yes. The bunq app and cards work internationally, so you can manage your money wherever you are.
From Home, tap Pay, choose your currency, enter amount and recipient, then confirm, the fee and rate are shown before you send. bunq Pro includes 5 free FX payments per month; Elite includes 10 (see the app for your allowance).
Foreign Currency Savings balances can fluctuate with exchange rates. Savings Accounts are covered by the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 where the rules apply.
Quick answers to help you choose the right plan and get started.
ZeroFX is on by default: card spending abroad uses the Mastercard rate with a 0.5% currency fluctuation adjustment while markets are open. Choose local currency at the terminal when you can.
bunq Free includes up to €1,000 of foreign-currency ZeroFX spend per year; above that, standard currency conversion fees apply. Core, Pro, and Elite have unlimited ZeroFX.
Yes! Your bunq Card works worldwide. For non-euro card payments, ZeroFX uses the Mastercard rate plus a 0.5% markup while markets are open, transparent pricing instead of hidden bank FX fees. ATM withdrawals abroad follow the fee structure below*.
* bunq Pro & bunq Elite users get six free ATM withdrawals per month at no extra cost; the next five cost €0.99 each. After that, ATM withdrawals cost €2.99 each.
Outside the Eurozone, Holiday Mode shows your balance in local currency next to euros. You can turn it on or off per Bank Account in Settings.
Yes. The bunq app and cards work internationally, so you can manage your money wherever you are.
From Home, tap Pay, choose your currency, enter amount and recipient, then confirm, the fee and rate are shown before you send. bunq Pro includes 5 free FX payments per month; Elite includes 10 (see the app for your allowance).
Foreign Currency Savings balances can fluctuate with exchange rates. Savings Accounts are covered by the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 where the rules apply.
Quick answers to help you choose the right plan and get started.
ZeroFX is on by default: card spending abroad uses the Mastercard rate with a 0.5% currency fluctuation adjustment while markets are open. Choose local currency at the terminal when you can.
bunq Free includes up to €1,000 of foreign-currency ZeroFX spend per year; above that, standard currency conversion fees apply. Core, Pro, and Elite have unlimited ZeroFX.
Yes! Your bunq Card works worldwide. For non-euro card payments, ZeroFX uses the Mastercard rate plus a 0.5% markup while markets are open, transparent pricing instead of hidden bank FX fees. ATM withdrawals abroad follow the fee structure below*.
* bunq Pro & bunq Elite users get six free ATM withdrawals per month at no extra cost; the next five cost €0.99 each. After that, ATM withdrawals cost €2.99 each.
Outside the Eurozone, Holiday Mode shows your balance in local currency next to euros. You can turn it on or off per Bank Account in Settings.
Yes. The bunq app and cards work internationally, so you can manage your money wherever you are.
From Home, tap Pay, choose your currency, enter amount and recipient, then confirm, the fee and rate are shown before you send. bunq Pro includes 5 free FX payments per month; Elite includes 10 (see the app for your allowance).
Foreign Currency Savings balances can fluctuate with exchange rates. Savings Accounts are covered by the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 where the rules apply.
Open bunq in minutes and set up the tools you need for spending, saving, travel, and everyday control.
Open bunq in minutes and set up the tools you need for spending, saving, travel, and everyday control.
Open bunq in minutes and set up the tools you need for spending, saving, travel, and everyday control.
Keep exploring practical ways to get more from your money with bunq.
Help your child build smart money habits from day one with Pocket Money from bunq. Budget, save, spend, you stay in control.
Travel smart and stay secure with these easy travel safety tips. Learn how to protect your money and enjoy peace of mind on every trip across Europe.
Learn how currency exchange works and how bunq makes paying abroad simple, transparent, and instant.
Keep exploring practical ways to get more from your money with bunq.
Help your child build smart money habits from day one with Pocket Money from bunq. Budget, save, spend, you stay in control.
Travel smart and stay secure with these easy travel safety tips. Learn how to protect your money and enjoy peace of mind on every trip across Europe.
Learn how currency exchange works and how bunq makes paying abroad simple, transparent, and instant.
Keep exploring practical ways to get more from your money with bunq.
Help your child build smart money habits from day one with Pocket Money from bunq. Budget, save, spend, you stay in control.
Travel smart and stay secure with these easy travel safety tips. Learn how to protect your money and enjoy peace of mind on every trip across Europe.
Learn how currency exchange works and how bunq makes paying abroad simple, transparent, and instant.