Bunq B.V., Sucursal en España

Bunq B.V., Sucursal en España is the Spanish branch of bunq B.V., a Dutch bank operating in the EU via passporting. The branch is registered with Banco de España, while prudential supervision and licensing remain with De Nederlandsche Bank; eligible deposits are covered by the Dutch Deposit Guarantee Scheme up to €100,000 per person, per bank. Accounts are opened through the mobile app with remote identity verification and are available to users meeting residency and compliance criteria. The product range includes personal and business accounts offered on a subscription basis with tiered features; a savings option is available, and the bank pays interest on balances, with rates, allowances, and limits varying by plan and subject to change. Spanish customers can obtain local ES IBANs, and the bank supports SEPA transfers and direct debits, often including SEPA Instant; international transfers are available through partners and may incur fees. Card services include physical and virtual Mastercard debit cards, compatibility with Apple Pay and Google Pay, and controls such as freezing, spending limits, and 3D Secure; ATM withdrawals are permitted within plan allowances, with fees beyond included limits. The app provides tools for multiple sub-accounts, budgeting and categorization, and payment rules; availability depends on the selected plan and country. Cash and cheque deposit options are limited, and branch services are not offered. Business users have access to accounts with features oriented to SMEs and freelancers, as well as integrations provided by third parties; credit products are limited in scope. Customer support is delivered via in‑app chat and online channels. Fees, limits, interest rates, and feature sets change periodically; users should review the current tariff and terms before opening an account.