Hey bunqer 🌈

To open or verify your bunq Business account smoothly, we ask for Source of Funds (SoF) documents. This shows where your business money comes from and helps us keep your account safe and compliant.

Good news: there are many acceptable ways to show this. Pick the document type that best matches how your business is funded. You don’t need everything listed—just enough to clearly show the source and flow of funds.

Which Source of Funds documents does bunq accept?

Below are common funding sources and examples of documents we can accept for each. Share the most relevant and recent documents you have.

Business income from sales or services

• Invoices issued to your clients for goods or services (this can only be supported if accompanies by a bank statement that states the amount on the invoice.)

• Signed contracts or purchase orders with customers

• Bank statements showing customer payments

• Payment processor or PSP payout statements (e.g., monthly settlement reports)

Investments from shareholders or external investors

• Investment or subscription agreements

• Signed term sheets, SAFE/convertible loan notes, or share purchase agreements

• Capital contribution receipts or share register extract/cap table showing the investment

• Bank statements or transfer confirmations showing the investor’s payment

Loans (bank or private)

• Signed loan agreement (from a bank, financing company, or private lender)

• Disbursement proof (bank statement or lender confirmation)

• Repayment schedule or amortization overview

Personal savings used as startup capital

• Personal bank statements of a savings account

• Recent payslips (no older than 3 months)

• Past employment contract (no older than 1 year)

Grants, subsidies, or public funding

• Award letter or grant agreement

• Disbursement confirmation or bank statement showing funds received

Crowdfunding

• Platform payout statement or settlement report

• Campaign summary and proof of disbursement to your business account

Sale of assets

• Sales contract or invoice (e.g., equipment, vehicle, website, domain, or IP)

• Notary deed for real estate sales

• Brokerage statement showing sale of securities

• Bank statement linking sale proceeds to your business

Inheritance or gifts used for the business

• Inheritance documentation (e.g., probate/will extract) or gift deed

• Bank statement showing the incoming transfer

Tax refunds or insurance payouts

• Tax authority notice or assessment confirming the refund

• Insurance settlement letter plus bank statement showing the payout

Note: Common examples include invoices, contracts, loan agreements, and proof of personal savings. If your situation isn’t listed, share the clearest proof you have that shows the source and movement of funds. We may ask follow-up questions if we need more detail.

I just registered my company and there are no funds yet. What can I provide?

If you’re pre-revenue, show where the initial money will come from. You don’t need funds in the account yet—just clear evidence of the expected source.

Provide one or more of the following:

• Business plan with projected income and expenses

• Proof of initial funding sources (savings, loans, investments)

• Personal bank statements of a savings account

• Payslip from employment (no older than 3 months)

• Past employment contract (no older than 1 year)

• Investment documents (e.g., signed term sheet or investor confirmation)

• Loan documentation (agreement or application/approval in progress)

How recent should my documents be?

Keep your SoF documents up to date so they reflect your current situation.

• Startup capital or founder contributions: bank statements or proof of funds within the last 3 months

• Investor funding: recent investment agreements or confirmation from the current round

• Grants, loans, or seed funding: signed agreements dated within the last 6–12 months may be acceptable if supported by recent disbursement evidence

• Sale of assets or inheritance: older documents may be accepted if funds are traceable and clearly linked to your business

Tips to get your documents accepted

Make review faster by ensuring your documents:

• Clearly show the sender, recipient, amount, and date

• Match your business’s legal name or show a clear link from the source to your business

• Are complete (all pages, signatures, and annexes if applicable)

• Are recent and readable (avoid screenshots that cut off key details)

Will bunq ask for more information?

Sometimes, yes. If anything is unclear or incomplete, we’ll reach out with a specific request. This helps us verify your account quickly and keep your business banking safe.