Hey 🌈

Any remaining funds from your closed bunq account are held safely in your account. 

We’re required to hold the funds for a minimum of 30 days before we can make them available for withdrawal. The holding period applies because your account was closed due to a security risk, or activity that doesn’t match regular banking behavior. You can read more in Terms 21.2.

If a third party makes a legal claim on your funds, we settle it from those funds. This means the final amount available for withdrawal may be less than the funds you had when your account was closed.

Keep the bunq app installed until you have withdrawn your funds. This is how you'll see updates and how you can withdraw your money. 

How do I check when my funds will be released?

Open your bunq app and tap on Withdraw funds — we’ll always display the real-time status of your remaining funds here:

• We’ll always tell you by what date you’ll be able to withdraw your funds 

• The moment your money’s ready for withdrawal, we’ll display the available funds you can withdraw

• Once you withdraw, the transfer takes 1 to 2 days to arrive, in line with standard bank transfer times

How do I withdraw my money? 

When your funds become available, the withdrawal process depends on your account type. 

Personal account

1. Open your bunq app

2. Tap Withdraw funds

3. View the total amount available

4. Tap Next

5. Enter the IBAN you'd like your money sent to

6. Tap Confirm Withdrawal

Business account

• Sole proprietorship (for example an Eenmanszaak) - we refund remaining funds to your personal bunq account

• All other company types (for example a B.V. or Ltd.) - we'll ask you to share: 

  • An IBAN belonging to the company or one of its registered shareholders

  • A recent bank statement from the company

  • A Chamber of Commerce extract, if the IBAN belongs to a shareholder

  • Once we receive the requested documents, we’ll refund the remaining funds to the IBAN you shared. 

The payment may take 1 to 2 days to arrive, in line with standard bank transfer times.

What if I had Stocks or Crypto? 

We notify our trading partners of your account closure, who will sell your investments for you. This usually takes around 14 working days, depending on their processing times. The proceeds arrive in your bunq account in euros and are then handled like the rest of your funds. 

This step is handled by our partners, so getting the funds for withdrawals from your Stocks or Crypto holdings can sometimes take longer.

How can I contact support? 

Once your account is closed you can no longer use the in-app Support chat. If you have any questions or additional information to share, email us at support@bunq.com — our team is always here to review your case or answer any questions related to your account closure.