BUNQ B.V

bunq B.V. is a Dutch bank operating under a full banking license, supervised by De Nederlandsche Bank and the European Central Bank, with eligible deposits covered by the Dutch Deposit Guarantee Scheme up to €100,000 per person. It provides app-based personal and business current accounts across much of the EEA, issuing IBANs (NL and, in select markets, additional local IBANs) and supporting SEPA credit transfers, SEPA Instant for many payments, and card payments via Mastercard in physical and virtual form, including wallet support such as Apple Pay and Google Pay. Accounts are offered on subscription plans that bundle features and usage allowances; fees vary by plan and country. Core functionality includes multiple sub-accounts, budgeting and payment categorization, shared accounts, card controls, disposable virtual cards, and real-time notifications. Savings and checking balances may earn variable interest depending on product and jurisdiction. International transfers are available through an integrated third-party partner. Business accounts add tools such as batch payments and bookkeeping integrations. Cash and cheque handling is limited, and ATM withdrawals and foreign usage may incur plan-dependent fees. Onboarding is fully digital with identity verification and residency and compliance checks; availability differs by country. Customer support is primarily delivered through in-app chat and online channels, and a web interface complements the mobile apps.