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bunq review for the Netherlands

Open multiple bank accounts and enjoy simple payments with bunq.

bunq is a digital bank account that is packed full of 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. It’s a great option for expats, professionals, students or anyone else that wants a convenient bank account to manage their money.

In this review of bunq, we break down exactly what you can expect from a bunq account in the Netherlands so you can decide if it’s right for you.

€ 2.99

Monthly fee

€ 2.99

ATM fee for Euro withdrawals

0%

Currency conversion fee

Details

Product Namebunq Easy Money Personal
Monthly fee€ 8.99
Card deliveryUp to 10 working days
Supported currenciesGBP, SEK, PLN, CHF, DKK, NOK, USD, CZK, CAD, AUD, HUF, BGN, RON, EUR, SGD, HKD, MXN, INR, MYR
Card fee€ 9.99
ATM fee for Euro withdrawals€ 2.99
International ATM fee€ 2.99
Currency conversion fee0%
Free ATM withdrawal limitFirst four withdrawals per month are free, the five after are € 0.99
Interest rate0.27%
Mobile paymentsApple Pay, Google Pay, Fitbit Pay, iDEAL
Card typeMastercard
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More Info

How does bunq work in the Netherlands?

With bunq, everything you do is handled on the app and there are no physical branches. bunq has recently simplified the types of accounts it offers, now offering Easy Bank, Easy Money and Easy Green bank accounts as well as the Easy Savings savings account.

The most affordable plan, Easy Bank, comes with a monthly maintenance fee of €2.99. For Easy Money, you’ll pay €8.99 a month or €17.99 a month for Easy Green. The bunq Easy Savings account is a no-fee account and pays a monthly interest of 0.09%.

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.
  • Savings account. Open the bunq Easy Savings account in minutes and earn up to 0.09% on your balance each month. There are no fees and you can access your money whenever you need it.

Hit the jackpot!

Sign up with bunq and enjoy 3 chances to win the jackpot of € 10,000 every month!

You have a chance to win the jackpot by inviting friends to join bunq, depositing money into your bunq account and using your bunq payment card. It simply comes down to the fact that the more you use your bunq account, the higher the chance that you might hit that jackpot.

The jackpot is up for grabs for all personal and business bunq users.

bunq jackpot

How do the bunq accounts work?

Fees and rates

There are a few different costs, fees and limits to consider when you choose a personal account with bunq. Below, we’ve listed some of the most important fees that you should consider. For a complete list of the fees, visit the bunq website.

Easy Green PersonalEasy Money PersonalEasy Bank PersonalEasy Savings
Monthly maintenance fee€17.99€8.99€2.99€0
Additional 25 sub-accounts€19€19N/AN/A
Transfer fee to, or from, other SEPAs (Single Euro Payments Areas)FreeFreeFreeMaximum of 3 outgoing instant transfers, unlimited incoming transfers
Transferring non-euro payments through WiseWise fee only per transferWise fee only per transferWise fee only per transferN/A
Direct debit or credit card top-upFree for the initial €500 deposited per month then 0.5% afterwardsFree for the initial €500 deposited per month then 0.5% afterwardsFree for the initial €500 deposited per month then 0.5% afterwardsFree for the initial €500 deposited per month then 0.5% afterwards
Requests paid instantly via debit or credit card2.5% of the sum2.5% of the sum2.5% of the sumN/A
Fee-free ATM withdrawalsFirst four withdrawals per month are free, the five after are €0.99First four withdrawals per month are free, the five after are € 0.99The first 5 withdrawals cost € 0.99 per monthN/A
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Verdict

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. There’s also a separate savings account where you can earn up to 0.09% on your balance, paid monthly. 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.

How to sign up

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.

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    Frequently asked questions

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