bunq B.V.

bunq B.V. is a Netherlands-based bank holding a full EU banking license and supervised by De Nederlandsche Bank; eligible customer deposits are covered by the Dutch Deposit Guarantee Scheme up to €100,000 per depositor. It offers app-centric retail and business accounts with euro-denominated IBANs, SEPA credit transfers (including SEPA Instant where available), and card payments via Mastercard Debit; virtual cards and mobile wallet support (e.g., Apple Pay/Google Pay) are offered in supported countries. Accounts are provided on a subscription basis with multiple tiers; features, limits, and pricing vary by plan, and fees may apply for items such as additional cards, international transfers (often processed via a third-party partner), and cash withdrawals. Product set includes personal, joint, and business accounts; budgeting with multiple sub-accounts/IBANs; savings options that pay variable interest; card controls; and web access alongside the mobile app. Availability is focused on EEA markets and may vary by country; local IBANs are offered in some jurisdictions in addition to Dutch IBANs. The bank does not operate branches and has limited support for cash and cheque handling; onboarding, identity verification, and ongoing compliance checks are conducted digitally. Foreign currency spending and transfers are supported, with exchange rates and potential markups depending on method and timing. Customer support is primarily delivered in-app, with emergency card services by phone; service hours and response times depend on channel. Fees, interest rates, and country-specific features are subject to change and depend on the chosen plan and jurisdiction.