bunq
Global fintechDGS €100k protectedBest for: Multi-IBANBest for: EUR savingsBest for: Sub-accounts
Pros & Cons
Pros
- Deposit protection: DGS €100k (NL)
- Multiple IBANs
- high interest on EUR
- flexible sub-accounts
Cons
- —
Rating breakdown
Foreigner onboarding67
USD handling60
Transfers50
Value & fees30
Licence & deposit protection
DGS €100k protectedDGS €100k (NL)
This is a licensed bank, so eligible deposits are protected by the deposit guarantee scheme (DGS) up to €100,000 per customer. That's a key safety factor when choosing.
- Licence
- Bank · De Nederlandsche Bank (DNB)
- IBAN
- NL
- SEPA Instant
- Send & receive
- Verification of Payee (VoP)
- Rolling out
Deposit & savings rates
Compare all deposits →DGS €100k protected DGS €100k (NL)
| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| Savings | EUR | 2.01% | On demand | Ahorro vía app, IBAN español, sin nómina. Hasta 100.000€. 2 retiradas/mes. | Sourceas of 2026-06-23 |
Editorial review
bunq is a licensed bank (De Nederlandsche Bank (DNB)), so eligible deposits carry DGS €100k (NL).
It is a global fintech licensed in NL supporting EUR, USD, GBP etc. FX model: Mastercard rate + small markup.
It tends to suit multi-iban, eur savings, sub-accounts.
Fees & terms
- Exchange rate
- Mastercard rate + small markup
- Card cost
- Paid plans only (Easy Bank, Money, Travel)
- Currencies
- EUR, USD, GBP etc
- Cards
- Global Physical, Global Virtual
- Transfers
- SEPA in/out, SEPA Instant in/out
- Payments
- Apple Pay, Google Pay
- Licence
- Bank — De Nederlandsche Bank (DNB)
- IBAN
- NL
- Multi-currency account
- Multiple NL IBANs per user
- SEPA Instant
- Send & receive
- Verification of Payee (VoP)
- Rolling out
- FX model
- Mastercard rate + small markup
- Opening requirements
- No local address needed
- English support
- Yes
- Remote opening
- Yes
- Headquarters
- Netherlands
Also consider
FAQ
- Is my money protected?
- Yes. bunq holds a full bank licence (De Nederlandsche Bank (DNB)), so eligible deposits are protected by DGS €100k (NL).
- What IBAN and transfers?
- bunq issues a NL IBAN. SEPA Instant: send + receive. Multi-currency: Multiple NL IBANs per user.
- Can I open remotely, in English?
- Opening is remote. English support is available. Requirements: No local address needed.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
Updated: Dataset compiled: