What are the benefits of the bunq Free plan?

Hey bunqers 🌈,

We’re introducing: bunq Free!

The bank account with all the essentials to get you started ✨

What are the benefits of bunq Free?

🎉 No monthly costs
💳 1 Digital Card: We added a Digital Card to your bunq app that you can use instantly with Apple Pay or Google Pay. So when you’re ready to spend some of your savings, or other money, you’re free to do so! We will not charge you any fees or interest.
💸 3 Bank Accounts: Any combination of a Savings Account, Foreign Currency Savings Account or a regular Bank Account.
🏦 Switch Service: Easily make bunq your main bank.
📈 Stocks: Use the bunq app to invest on the go. You can get started with as little as €10.
🪙 Crypto: Buy, sell or exchange crypto safely from your bunq app with a 1.99% trading fee per payment
🖥 bunq Web
✈️ eSIM - Save up to 90% on roaming costs.
💲 MassInterest, paid weekly, on your savings in your Savings Account, up to €100,000:
- For 🇪🇺 EEA residents, up to 2.01% (see full details here).
- 🌍 Up to 8 foreign currencies to save in and earn interest on (see full details here).
🚀 Savings Withdrawals - Up to 2 times a month, with a bonus for loyal Savers!
👯‍♀ Joint account: with bunq Free you can share a Joint Account with your partner only if your Joint Account partner is on a bunq Core, Pro, or Elite plan.
⏰ Scheduled payments
⚡️Instant payments
➡️ bunq.me requests
🧾 bunq.to payments
📱Apple & Google Pay
🏎 IBAN to IBAN transfers
🌍 Foreign currency payments
🇫🇷 FR IBAN (for new bunqers residing in France)
🇩🇪 DE IBAN (for new bunqers residing in Germany)
🇪🇸 ES IBAN (for new bunqers residing in Spain)
🇮🇪 IE IBAN (for new bunqers residing in Ireland)
👤 iDIN
0️⃣ ZeroFX: Up to €1,000 per year.
✅ Auto Accept
🆓 Freedom of Choice
💯 24/7 Support
🔔 Instant notifications
⛑️ Deposit Protection
👤 Biometric ID

Business account benefits

💸 A combination of 3 Bank Accounts: Savings Account, Foreign Currency Savings Account, or a regular Bank Account.
⚡️Instant payments: €0.13 per transaction
🤳 Tap to Pay Accept card payments with your phone.
💳 Virtual Card: We added a Virtual Card to your bunq app that you can use instantly with Apple Pay or Google Pay.
💲 MassInterest, paid weekly, on your savings in your Savings Account, up to €100,000:
- For 🇪🇺 All EEA residents with Business accounts: 0.75%
- 🌍 Up to 8 foreign currencies to save in and earn interest on.
🌍 Foreign currency payments
0️⃣ ZeroFX: Up to €1,000 per year.
🧑‍💼 Director Access: Easily provide access to all company directors.
💯 24/7 Support

As for billing of your account the following fees are applied:

iDEAL, Bancontact top ups: free for bunq Free Personal, €0.13 per top up for bunq Free Business
Credit card top ups: 0.5% for EEA cards or 2.5% for non-EEA cards (first €500 free per month)

How can I get a bunq Free plan?

You can simply choose bunq Free as your plan during your 5-minute signup.

To get a bunq Free account while being an active bunq user, simply change your plan via the app by clicking here or following the steps here 🌈

And what about billing?

The bunq Free plan is free 🙌

For a detailed overview of our pricing, check out our pricing sheet

How is bunq Free different from other bunq plans?

bunq Free is the perfect plan with all the essentials to get you started. Simply download the app, set it up in just 5 minutes and deposit any amount you like. You get a bank account, completely for free!

Of course, to truly experience life without the hassle of money admin you can always upgrade to bunq Core, bunq Pro or bunq Elite in seconds. All the benefits of bunq Free apply to our other plans as well ✨

You can see all of the cool plans we currently provide here.

Does bunq Free include a physical card?

No, bunq Free doesn’t include a physical card. You get a free Virtual Card in your app that you can use right away with Apple Pay or Google Pay for secure online and in-store payments.

If you prefer a physical card, explore our other plans to see what fits your needs best, here. For up-to-date pricing, check the pricing sheet.