Summary

bunq is a digital bank offering personal and business accounts designed for a flexible, borderless banking experience. It provides multi-currency accounts, physical and virtual cards, instant payments, and tools for budgeting and expense management, catering to individuals and businesses with international financial needs.

Features
12/15
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Must Have

4 of 5

Transparent Low Fees

Multi-Currency Account

Borderless Debit Card

Fast Transfer Execution

Mid-Market Exchange Rate Transfers

Other

8 of 10

API Integration

Real-Time Rate Alerts

Business Account Features

Spending Analytics

Mobile App

Regulatory Compliance

Multi-User Access

Customer Support

Batch Payments

Invoice Creation

Pricing
Tiered
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Bunq Free Business

€0.00 monthly
  • 3 Bank Accounts
  • Virtual Credit Card
  • 0.5% Cashback on all expenses
  • Tap to Pay
  • Limited features
  • For freelancers and sole proprietors

Bunq Core Business

€7.99 monthly
  • Everything you need to run your business

Bunq Pro Business

€13.99 monthly
  • Everything you need to scale your business

Bunq Elite Business

€23.99 monthly
  • Next level banking for your international business

Bunq Free

€0.00 monthly
  • 3 included Bank Accounts

Bunq Core

€3.99 monthly
  • 5 included Bank Accounts

Bunq Pro

€9.99 monthly
  • 25 included Bank Accounts

Bunq Elite

€18.99 monthly
  • 25 included Bank Accounts
Rationale

bunq offers a digital banking experience with features highly relevant to international money management. It explicitly states 'No Foreign Exchange Fees' and 'Multiple Currencies and Local IBANs', directly aligning with transparent low fees and multi-currency accounts. The platform also offers physical and virtual cards for spending abroad, instant payments, and a mobile app for real-time access. While it doesn't explicitly mention 'mid-market exchange rate transfers' in the same way Wise does, it emphasizes 'ZeroFX' for the 'best exchange rate abroad' and 'no foreign exchange fees', which implies a competitive rate without markups. It also offers business accounts with features like employee cards and multi-user access, API integration, and robust security features, all of which align with the 'other' features.