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bunq review Ireland

A feature-packed bank account that lets you save money, help the environment and more.

bunq is a mobile bank account that offers a number of convenient features. You can open multiple bank accounts with unique IBANs, the bunq app is available in six languages and you can earn interest on funds you hold in your account. Plus, you get the security features and low fees you expect from a digital bank. In this review of bunq for Ireland we break down exactly what you can expect from a bunq account so you can decide if it’s right for you.

8.99 €

Maintenance fee

2.99 €

ATM fee


Currency conversion fee


Product Namebunq Easy Money Personal
Fee periodMonthly
Maintenance fee8.99 €
Card deliveryUp to 10 working days
Free ATM withdrawal limit4 withdrawals per month
ATM transaction fee€2.99 per withdrawal
ATM transaction fee - non-Euro€2.99
Currency conversion fee0%
Supported currencies


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How does bunq work?

With bunq, everything you do is handled on the app and there are no physical branches. bunq offers three types of accounts: Easy Bank, Easy Money and Easy Green.

The most affordable plan, Easy Bank, comes with a monthly maintenance fee of €2.99. For Easy Money, you’ll pay €8.99 a monthfor €17.99 a month for Easy Green.

bunq offers a number of features with all of its accounts. Both the Easy Money and Easy Green accounts allow you to set up 25 individual IBAN accounts to manage your money. In the app, you’ll be able to use budgeting tools, set up savings goals, use a personal payment link to get paid easily by friends and get free ATM withdrawals when you travel overseas.

Key features of bunq

bunq offers a number of useful features with its accounts. These include:

  • Access multiple accounts. With Easy Green and Easy Money, you can create up to 25 individual sub-accounts each with their own unique IBAN.
  • MassInterest. You will earn interest for all funds you hold in your Easy Green and Easy Money accounts.
  • No foreign currency fees. Save up to 3% on foreign currency spending with all bunq accounts.
  • Spending insights. Find out where you’re spending with money analytics in the app.
  • Mobile payments. You can use Google Pay and Apple Pay with any bunq account.
  • Free account top-ups. Reload your balance for free when you use iDeal, Sofort or a bank transfer.
  • Money transfers abroad with Wise. bunq uses Wise rates for international money transfers.
  • Notifications. Keep track of your spending with notifications.
  • Card controls. You can easily lock and unlock your card in the bunq app if it’s lost or stolen.
  • Hassle-free splitting. Manage group travel expenses through the bunq Splice Groups function.
  • Travel assistant. You can use the travel assistant in the bunq app so you can get help spending in another currency.
  • Trees for minors. For users under 18 years old, a tree will be planted for every €100 spent on their bunq cards.

What are the account options?

bunq offers three different accounts for personal use, each with its own distinct features and fees. Here’s what you need to know:

bunq fees

There are some different costs, fees and limits to consider when you choose a personal account with bunq:

Monthly fee. You will pay €2.99 fee for Easy Bank, a €8.99 monthly fee for Easy Money and a €17.99 monthly fee for Easy Green.

ATM fees. Easy Money and Easy Green users are entitled to four fee-free withdrawals per month. The next 5 withdrawals (which is also the first 5 withdrawals for Easy Bank users) will cost €2.99. Subsequently, all withdrawals will cost €2.99.

Currency conversion. There is a 0% foreign currency conversion fee for all bunq accounts.

Top ups. It’s free to top up your account with iDEAL, SOFORT or Bancontact, but you will be charged 0.5% if topping up with a debit or credit card. The first €500 topped up is free for all bunq users.

Pros and cons


  • Quick to join. Easy sign-up process
  • Low-cost money transfers. bunq helps you send money around the globe through its partnership with Wise.
  • Joint accounts. bunq supports joint accounts.


  • No free accounts. bunq doesn’t offer a free basic account like other challenger banks.
  • Euro only accounts. bunq currently only offers euro accounts.


bunq offers innovative accounts for those looking for different features from their bank. You can benefit from features that come standard with digital banks such as budgeting options and security tools, but you also get extra features such as the option of multiple bank accounts and hassle-free bill splitting. While these are great features, make sure you are going to use and benefit from them before you sign up as there is no free bank account option.

Experiences from other bunq users

bunq scores 3.3 out of 5 based on 2,760+ reviews and is rated Average on Trustpilot.
User ratings# of reviewsWhat do customers say
3.3 / 52,760+
  • “My new bunq account works wonders. The app is very easy to use and the budgeting system has allowed me to start saving.” — Carlota Aguirre
  • “I always try to invest in eco-friendly companies and being part of bunq makes me feel I’m part of the change. The Easy Green plan is awesome and every time I spend 100 euros I don’t feel as bad since I’ll be planting a tree. ” — Teresa Alsonso
  • “Terrible updates to their apps and very limited functionality via the web. Their (customer) support takes days to reply. I am completely locked out of the app and the web app and do not have access to my funds. They make way too many updates to the app and then increase the price but don’t focus on the simple functionality.” — Mark Studholme

*Note: Information provided is based on the reviews and rating on Trustpilot (19 October 2021).

How to apply

You can open an account if you reside in the EU and are over the age of 18. If you’re under 18, you will need permission from a parent or guardian. To sign up, click “Go to Site” to be securely directed to bunq’s website. You will need to provide some personal information such as your name and address as well as verify your identity in the app.

Compare a range of digital banks in Ireland

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
N26 Bank Account
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3 withdrawals per month


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Wise Multicurrency Account
0 €
2 withdrawals up to €200 per month


Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Wirex Standard
0 €
€400 per month


Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Revolut Standard
0 €
€200 per month


Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
VIALET Current Account
0 €


An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.

Compare up to 4 providers

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
Revolut Premium
7.99 €
€400 per month


A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
bunq Easy Money Personal
8.99 €
4 withdrawals per month


A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
N26 Smart
4.90 €
5 free withdrawals per month


A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Revolut Plus
2.99 €
€200 per month


Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
bunq Easy Green Personal
17.99 €
4 withdrawals per month


An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
Wirex Premium
9.99 €
€400 per month, then 2% fee


Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
N26 Metal
16.90 €
8 withdrawals per month


Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
bunq Easy Bank Personal
2.99 €
5 withdrawals per month


Benefit from zero FX fees, bill splitting facility and a wide range of advance payment features with this low cost digital account.
N26 You
9.90 €
5 withdrawals per month


A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Wirex Elite
29.99 €
€400 per month, then 2% fee


Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
Revolut Metal
13.99 €
€800 per month


A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.

Compare up to 4 providers

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