bunq fees and price list 2026
In October 2026 bunq's free bunq Free tier includes an account and one digital card, and a physical card belongs to the bunq Core tier, which costs €3.99/month. Interest of 1.51% is paid on euro savings, and the currency conversion markup on card payments is 0.5% (price list 22 September 2026). Deposits are covered by the Dutch deposit guarantee up to €100,000.
bunq prices and terms
| Cheapest package | bunq Free |
|---|---|
| Monthly fee of the package | €0.00 |
| Included in the package | Account and one digital card |
| Total base price / month | €0.00 |
| Bank card | bunq card (digital, Mastercard) |
|---|---|
| Separate card fee | Included in the package |
| Card notes | bunq Free: one digital card free, no physical card offered. On the Core tier one card is included in the price, standard delivery free. |
| Free ATM withdrawals in Finland | not available |
|---|---|
| Withdrawal fee after the free ones | not available |
| Currency conversion markup on card payments | 0.50%* |
|---|---|
| ATM withdrawal abroad | Free: €2.99 per withdrawal + 0.5% on currency exchange |
| Child's account | Yes |
|---|---|
| Minimum age of the child's account | not available |
| Monthly fee of the child's account | not available |
| Monthly fee for students | not available |
| Current account interest rate | not available |
|---|---|
| Savings account interest rate | 1.51% |
| Type | Digital bank |
|---|---|
| Home country | the Netherlands |
| Opening an account online with Finnish bank credentials | not available |
| Opening an account without a Finnish personal identity code | not available |
| Deposit guarantee | Dutch deposit guarantee, €100,000 per depositor; bunq B.V. is a bank registered with the Dutch central bank |
|---|
| EPSI customer satisfaction | not available |
|---|---|
| Data checked | 15 October 2026 |
| Package | Price / month | Includes | Additional information |
|---|---|---|---|
| bunq Core | €3.99 | Up to 5 accounts and one card | ATM withdrawals: the first 5 per month €0.99 each, then €2.99. |
| bunq Pro | €9.99 | Up to 25 accounts and three cards | 6 free withdrawals per month. |
All packages
In October 2026 bunq offers 5 packages on sale. The price is for an adult package with one card, taken from the bank's own price list. Compare the packages of all banks on the bank packages comparison page.
| Package | Age | € / month | Card | Free withdrawals | Currency markup | Extras | Terms |
|---|---|---|---|---|---|---|---|
| bunq Freeadult | from 18 yrs | €0.00 | bunq digital card (Mastercard) | none free, €2.99 per withdrawal | 0.50% | MassInterest rate 1.61% up to €10,000 and 1.51% above that (bonus rate 3.11% from 15.10.2026), paid weekly. | |
| |||||||
| Child's account (bunq Child Account)childprice depends on terms: requires bunq Pro €9.99/month from the parent | under 18 yrs | €0.00 | Not specified | not available | not available | Not itemised. | |
| |||||||
| bunq Coreadult | from 18 yrs | €3.99 | bunq card (Mastercard) | none free, €0.99 per withdrawal | 0.50% | MassInterest rate as on the other tiers. | |
| |||||||
| bunq Proadult | from 18 yrs | €9.99 | bunq card (Mastercard) | 6 per month, then €0.99 | 0.50% | Child's account free of charge, Metal card €99, foreign IBAN free of charge, 1 free replacement card/year. | |
| |||||||
| bunq Elitepremium | from 18 yrs | €18.99 | bunq card (Mastercard) | 6 per month, then €0.99 | 0.50% | Travel insurance free of charge (Extra features in the price list), express delivery at a promotional price of €14.99, child's account €9/month, share trading fee 0.49%. | |
| |||||||
Premium accounts and cards: bunq Core, bunq Pro, bunq Elite. See also premium accounts and cards compared.
Usage limits
| Purchase limit, default | €1,000 / day |
|---|---|
| Purchase limit, maximum | €50,000 / day |
| Withdrawal limit, maximum | €1,000 / day |
| Account daily limit, default | €5,000 / day |
|---|---|
| Account daily limit, maximum | €1,000,000 / day |
| Instant payment limit, maximum | €1,000,000 |
Changing the limits: In the bunq app settings, per card or for all cards together.
Only the values published by the bank are listed. Checked 16 October 2026. Read about bank card limits: withdrawal limit, contactless limit, instant payment limit and blocking a card.
Reviews: ratings of bunq
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 3.7 / 5 | 19,523 reviews | bunq.com on Trustpilot |
| App Store: bunq | 4.7 / 5 | 187 ratings | App in the App Store |
| Google Play: bunq | 4.5 / 5 | 40,461 ratings, all countries | App on Google Play |
- The Trustpilot rating is the company's global profile, not specific to Finland.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: 1.51% interest on euro savings even on the free tier
- Pro: 0.5% currency conversion markup on card payments
- Pro: No monthly fee on the bunq Free tier
Cons
- Con: Only a digital card on the bunq Free tier
- Con: A cash withdrawal costs €2.99 on the Free tier
- Con: Deposit guarantee from the Dutch system, not the Finnish one
How do you open an account at bunq?
The account is opened in the app. Finland is on bunq's list of supported countries for personal accounts; applicants must reside in one of these EEA countries. Opening without a Finnish personal identity code was not verified.
Thinking about switching banks? Read the guide to switching banks.
Deposit guarantee
Dutch deposit guarantee, €100,000 per depositor; bunq B.V. is a bank registered with the Dutch central bank. More information in the guide on the deposit guarantee.
Children and students
Child's account: A child's account can be opened only by a bunq Core, Pro or Elite subscriber; in the price list table a child's account is free on the Pro tier and €9/month on the Elite tier. Using a minor's account requires the guardians' approval. The minimum age was not found.
Student: bunq has no student price in Finland. bunq's Free for Students benefit applies only to Belgium, France, Germany, Ireland, Italy, the Netherlands, Portugal and Spain, not Finland (source: data/plans.json, bunq-pro, checked 16 October 2026).
See also: children's bank card and best bank for students.
Interest rates
MassInterest of 1.51% per year is paid weekly on personal customers' euro savings on all tiers, on savings of up to €100,000.
Compare interest rates between banks: current and savings account interest rates. See the savings accounts and fixed-term deposits of bunq: Savings rates.
Customer satisfaction (EPSI)
No EPSI result is available yet.
Sources
- bunq Pricing - Fee information, 22/09/2026 (PDF)retrieved 15 October 2026
- bunq: Pricing Sheet (Last Updated Aug 3, 2026)retrieved 15 October 2026
- bunq: Personal Account Terms & Conditionsretrieved 15 October 2026
- bunq Help: Who can open a bunq Personal account?retrieved 15 October 2026
Data checked 15 October 2026.
Frequently asked questions
How much does bunq cost per month?
The cheapest adult package at bunq (bunq Free), including the card, costs €0.00 per month. The bunq Free tier has no monthly fee, but a physical card is not available (only one digital card). A physical card is included in the bunq Core tier (€3.99/month).
Can you open an account at bunq without a Finnish personal identity code?
This information is not yet available.
How much does bunq charge for card payments abroad?
The currency conversion markup on card payments in currencies other than euros is 0.50%*. ATM withdrawal abroad: Free: €2.99 per withdrawal + 0.5% on currency exchange. At bunq, 0.50% applies up to €1,000.00 per year, after that 1.50%.
What are the public ratings that bunq has received?
Public ratings 16 October 2026: Trustpilot 3.7 / 5 (19,523 reviews); App Store 4.7 / 5 (187 ratings); Google Play 4.5 / 5 (40,461 ratings, all countries). These figures are public ratings, not an assessment by Pankkitutka, and this answer does not summarise the opinions of individual users.