Pricing

Consumers & Businesses

07/11/2024
 Personal Business

bunq Easy bunq Easy bunq Easy bunq Easy bunq Easy bunq Easy bunq Easy bunq Easy bunq Easy bunq Easy
Bank Pro XL Bank Pro Bank Card Savings Bank Pro XL Bank Pro Bank Card Savings
Personal Personal Personal Personal Personal Business Business Business Business Business

Maintaining € 18.99 € 9.99 € 3.99 per € 0.00 € 0.00 € 23.99 € 13.99 € 7.99 per € 0.00 € 0.00
the plan that per month per month month per month per month month
makes life easy (25 accounts (25 accounts (1 account (25 accounts (25 accounts (1 account
and helps you included) included) included) included) included) included)
save time

Extra accounts € 20.00 € 20.00 € 20.00 N/A € 20.00 € 21.00 € 21.00 € 21.00 N/A € 21.00
(per 25 per month per month per month per month per month per month per month per month
accounts)

Add extra N/A N/A N/A N/A N/A First three First three Only one Only one Only one
directors to directors are directors are director director director
your Business free, after that free, after that possible possible possible
account €5.99 per €5.99 per
director per director per
month month

Receive 2.01% annually, 2.01% annually, 2.01% annually, N/A 2.01% annually, 1.05% annually, 1.05% annually, 1.05% annually, N/A 1.05% annually,
MassInterest12 paid weekly paid weekly paid weekly paid weekly paid weekly paid weekly paid weekly paid weekly

Receive 3.71% annually, 3.71% annually, N/A N/A N/A 2.30% annually, 2.30% annually, N/A N/A N/A
MassInterest paid weekly paid weekly paid weekly paid weekly
for
Multi-Currency
Savings
(USD)¹

Receive 3.71% annually, 3.71% annually, N/A N/A N/A 2.30% annually, 2.30% annually, N/A N/A N/A
MassInterest paid weekly paid weekly paid weekly paid weekly
for
Multi-Currency

1
You will only accrue MassInterest over the first 100.000 in your savings account(s) per currency (EUR, USD, GBP). See the applicable terms and conditions.
2
Until 31/12/2024, existing users can receive 3.36% on deposits added above your calculated highest savings balance between 01/01/2024 and 30/06/2024. All users who join on or after 01/07/2024 will
receive 3.36% interest on all their deposits until 31/12/2024. The bonus rate is subject to change.
 Savings
(GBP)¹

Payments

Sending/receiv free free free Maximum of 2 Maximum of 2 € 0.13 € 0.13 € 0.13 € 0.13 € 0.13
ing (instant) outgoing outgoing per payment per payment per payment per payment per payment
payments or (non-instant) (non-instant) per request per request per request per request per request
sending payments per payments per
(instant) month. month. Maximum of 2 Maximum of 2
requests outgoing outgoing
Receiving Receiving (non-instant) (non-instant)
payments is payments is payments per payments per
free and not free and not month. month.
limited. limited.

Tap To Pay N/A N/A N/A N/A N/A 1.5% of the 1.5% of the 1.5% of the 1.5% of the 1.5% of the
amount amount amount amount amount

Send requests, free free free N/A N/A € 0.27 € 0.27 € 0.27 N/A N/A
paid with per payment per payment per payment
SOFORT or per request per request per request
instantly with
iDEAL or
Bancontact

Send requests, 2.5% 2.5% 2.5% N/A N/A 2.5% + € 0.27 2.5% + € 0.27 2.5% + € 0.27 N/A N/A
paid instantly
via debit or
credit card

Receiving free free free N/A N/A € 0.27 € 0.27 € 0.27 N/A N/A
instant per payment per payment per payment
bunq.me
payments via
iDEAL,
SOFORT,
Bancontact

Receiving 2.5% 2.5% 2.5% N/A N/A 2.5% + € 0.27 2.5% + € 0.27 2.5% + € 0.27 N/A N/A
bunq.me
payments with
debit or credit
card
 Top up with 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA 0.5% for EEA
debit or credit cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5% cards or 2.5%
card, whenever for non-EEA for non-EEA for non-EEA for non-EEA for non-EEA for non-EEA for non-EEA for non-EEA for non-EEA for non-EEA
and wherever cards cards cards cards cards cards cards cards cards cards
it suits you. (first €500 free (first €500 free (first €500 free (first €500 free (first €500 free (first €500 free (first €500 (first €500 (first €500 free (first €500 free
per month) per month) per month) per month) per month) per month) free per month) free per month) per month) per month)

Top up with free free free free free € 0.13 € 0.13 € 0.13 € 0.13 € 0.13
iDEAL, per top up per top up per top up per top up per top up
SOFORT,
Bancontact

Sending The real The real The real N/A N/A € 0.13 per € 0.13 per € 0.13 per N/A N/A
payments exchange rate exchange rate exchange rate payment payment payment
using Wise: thanks to thanks to thanks to + + +
8 x cheaper partnership partnership partnership the real the real the real
than with any with Wise with Wise with Wise exchange rate exchange rate exchange rate
other bank thanks to thanks to thanks to
partnership partnership partnership
with Wise with Wise with Wise

Saving free free free N/A N/A € 2.00 per € 2.00 per € 2.00 per N/A N/A
precious time batch of up to batch of up to batch of up to
with SEPA XML 100 payments 100 payments 100 payments
batch + + +
payments €0.13 per €0.13 per €0.13 per
payment payment payment

Always access 2.5% of the 2.5% of the 2.5% of the N/A N/A 2.5% of the 2.5% of the 2.5% of the N/A N/A
to and control deposited deposited deposited deposited deposited deposited
over your cash amount amount amount amount amount amount
with deposits (€100 free (€100 free (€100 free (€100 free (€100 free (€100 free
through deposits per deposits per deposits per deposits per deposits per deposits per
Barzahlen, month) month) month) month) month) month)
viacash,
Paysafe Cash

Receiving €5.00 €5.00 €5.00 N/A N/A €5.00 €5.00 €5.00 N/A N/A
Swift per payment per payment per payment per payment per payment per payment
payments
(up to €10.000)

Receiving €10.00 €10.00 €10.00 N/A N/A €10.00 €10.00 €10.00 N/A N/A
Swift per payment per payment per payment per payment per payment per payment
payments
(between
 €10.000 and
€100.000)

Receiving €25.00 €25.00 €25.00 N/A N/A €25.00 €25.00 €25.00 N/A N/A
Swift per payment per payment per payment per payment per payment per payment
payments
(above
€100.000)

Direct debits

Direct debit free free free N/A N/A € 0.13 € 0.13 € 0.13 N/A N/A
per payment per payment per payment

Cards

The best global A combination A combination 1 card is N/A N/A A combination A combination 1 card is N/A N/A
coverage of 3 cards is of 3 cards is included for of 3 cards is of 3 cards is included for
available included for included for free included for included for free
(Mastercard)3 free free free free

Instantly €9.99 per card €9.99 per card €9.99 per card N/A N/A €9.99 per card €9.99 per card €9.99 per card N/A N/A
ordering + + + + + +
additional €3.49 per €3.49 per €3.49 per €3.99 per €3.99 per €3.99 per
Mastercards month per card month per card month per card month per card month per card month per card

Creating 26 cards 26 cards 1 card 1 card, 1 card, 26 cards 26 cards 1 card 1 card, 1 card,
Virtual Credit €9.99 per year €9.99 per year €9.99 per year €9.99 per year
Cards for a physical for a physical for a physical for a physical
on-the-go card card card card

Apple Pay, free free free free free free free free free free
Google Pay,
FitBit Pay

Creating €19.99 €19.99 N/A N/A N/A €19.99 €19.99 N/A N/A N/A
additional per month per month per month per month
Virtual Credit per additional per additional per additional per additional
Cards4 26 cards 26 cards 26 cards 26 cards

3
Black Metal Cards do not count towards the number of cards quota. White Metal Cards ordered before 20230921 do not count towards the number of cards quota. White Metal Cards ordered after
20230921 count towards the number of cards quota.
4
The invoice is due when passing the order of the first card outside of the ongoing invoiced card batch
 Ordering a €9.99 €9.99 €9.99 N/A N/A €9.99 €9.99 €9.99 N/A N/A
replacement per card per card per card per card per card per card
card (1 free (1 free (1 free (1 free
replacement replacement replacement replacement
per year) per year) per year) per year)

Ordering a free free free N/A N/A free free free N/A N/A
replacement
for a card that
expires within
3 months

Ordering a €99.99 €99.99 €99.99 N/A N/A €99.99 €99.99 €99.99 N/A N/A
Metal Card per card per card per card per card per card per card

Ordering a €89.99 €89.99 €89.99 N/A N/A €89.99 €89.99 €89.99 N/A N/A
replacement per card per card per card per card per card per card
Metal Card

Card payment The real The real 1,5% of the 1,5% of the 1,5% of the The real The real 1,5% of the 1,5% of the 1,5% of the
(in a foreign Mastercard Mastercard transaction transaction transaction Mastercard Mastercard transaction transaction transaction
currency) exchange rate exchange rate amount amount amount exchange rate exchange rate amount amount amount
including 0,5% including 0,5% including 0,5% including 0,5%
currency currency currency currency
fluctuation fluctuation fluctuation fluctuation
prevention prevention prevention prevention

Cash First 6 First 6 First 5 €2.99 €2.99 First 6 First 6 First 5 €2.99 €2.99
withdrawal5 withdrawals withdrawals withdrawals withdrawals withdrawals withdrawals
per month are per month are per month are per month are per month are per month are
free, the five free, the five €0.99 each, free, the five free, the five €0.99 each,
after are €0.99. after are €0.99. thereafter after are €0.99. after are €0.99. thereafter
Thereafter, Thereafter, €2.99 each Thereafter, Thereafter, €2.99 each
€2.99 per €2.99 per €2.99 per €2.99 per
withdrawal withdrawal withdrawal withdrawal

Local Currencies

Open a Local free free N/A N/A N/A free free N/A N/A N/A
Currencies
account

5
The same applies for cash withdrawals in other currencies than the euro if the currency withdrawn is the same as the currency of the account itself. In case a conversion is necessary, a 0,5%
currency fluctuation prevention is added
 Converting The Currency The Currency N/A N/A N/A The Currency The Currency N/A N/A N/A
currencies Cloud Cloud Cloud Cloud
exchange rate exchange rate exchange rate exchange rate
including 0,5% including 0,5% including 0,5% including 0,5%
currency currency currency currency
fluctuation fluctuation fluctuation fluctuation
prevention prevention prevention prevention

Outgoing Transaction Transaction N/A N/A N/A Transaction Transaction N/A N/A N/A
payment from fee fee fee fee
Local
Currencies
account6
(no conversion)

Outgoing Transaction Transaction N/A N/A N/A Transaction Transaction N/A N/A N/A
payment from fee including fee including fee including fee including
Local 0,5% currency 0,5% currency 0,5% currency 0,5% currency
Currencies fluctuation fluctuation fluctuation fluctuation
account prevention prevention prevention prevention
(including
conversion)

Incoming Transaction Transaction N/A N/A N/A Transaction Transaction N/A N/A N/A
payment to fee fee fee fee
Local
Currencies
account
(no conversion)

Incoming Transaction Transaction N/A N/A N/A Transaction Transaction N/A N/A N/A
payment to fee including fee including fee including fee including
Local 0,5% currency 0,5% currency 0,5% currency 0,5% currency
Currencies fluctuation fluctuation fluctuation fluctuation
account prevention prevention prevention prevention
(including
conversion)

Attachments

6
The applicable transaction fee varies and depends on the type of payment and the currency involved. The transaction fees can be found below
Receiving and free free free free free €0.13 €0.13 €0.13 €0.13 €0.13
sending per attachment per attachment per attachment per attachment per attachment
attachments

Invoice scan

Saying free free N/A N/A N/A €0.27 per scan €0.27 per scan N/A N/A N/A
goodbye to + +
manual data €0.13 per €0.13 per
entry by payment payment
scanning and
paying
invoices in the
bunq app

Digitizing all free N/A N/A N/A N/A free free N/A N/A N/A
your receipts in
seconds

Notes

Bookkeeping free free N/A N/A N/A €0.13 €0.13 N/A N/A N/A
on-the-go by per note per note
adding notes
(text or
images) to
payments

Exports

Bank export free free free free free free free free free free
statements
(digital only)

Export of free free free free free free free free free free
transaction
details (digital
only)

Automatically N/A N/A N/A N/A N/A free free N/A N/A N/A
send export
 statements to
your
bookkeeper
(digital only)

API

Build your own free free N/A N/A N/A free free N/A N/A N/A
bank with the
most powerful
bank API in the
world, getting
API keys and IP
addresses

Multiple Trade Names

Add all your N/A N/A N/A N/A N/A €2.99 €2.99 N/A N/A N/A
trade names per month per month
without per trade name per trade name
wasting time

Zapier

Automate all free free N/A N/A N/A free free N/A N/A N/A
your finances
with Zapier

Extra features

Invest your 0,49% fee per 0,79% fee per 0,99% fee per 0,99% fee per 0,99% fee per N/A N/A N/A N/A N/A
money transaction transaction transaction transaction transaction
effortlessly
with Stocks7

Open a new, free free N/A N/A N/A free free N/A N/A N/A
local IBAN

7
Free for the first three months or all transactions leading up to €100.000 in transactions.
 Plant trees 1 tree for every 1 tree for every 1 tree for every 1 tree for every 1 tree for every 1 tree for every 1 tree for every 1 tree for every 1 tree for every 1 tree for every
€100 spent €1000 spent €1000 spent €1000 spent €1000 spent €100 spent €1000 spent €1000 spent €1000 spent €1000 spent
with a bunq with a bunq with a bunq with a bunq with a bunq with a bunq with a bunq with a bunq with a bunq with a bunq
card card card card card card card card card card

Transaction fee

Outgoing transactions

Personal Business

Fast Payments €0,70 €0,99

(EUR, USD, GBP)

Fast Payments €1,00 €2,00

(SEK, NOK, DKK, PLN,
AUD)

Fast Payments €3,00 €5,00

(CZK, RON, HUF, CAD,
IDR, INR, MXN, MYR, SGD,
HKD, HRK))

Fast Payments €6,00 €10,00

(PHP)

SWIFT (shared cost) €10,00 €15,00

SWIFT (all cost)

- Tier 1 €15,00 €15,00
- Tier 2 €20,00 €20,00
- Tier 3 €30,00 €30,00
- Tier 4 €45,00 €45,00

Incoming transactions
Receiving SWIFT or US €10,00 €15,00
Fedwire payments

Receiving non-SWIFT €0,70 €0,99

payments

bunq Pack

Enjoy bunq together with your friends, family and €28.99 per month
partner(s): get 4 bunq Easy Bank Pro Personal or 3 bunq
Easy Bank Pro Personal accounts and 1 bunq Easy Bank
Pro Business account

Enjoy bunq together by upgrading from a Easy Bank Pro Additional €9 per month (charged to the Easy Bank Pro XL
Personal plan in the Pack to a Easy Bank Pro XL Personal Personal member)
plan

Enjoy bunq together by upgrading from a Easy Bank Pro Additional €10 per month (charged to the Easy Bank Pro
Business plan in the Pack to Easy Bank Pro XL Business XL Business member)

Incidental costs

Personal Business

Garnishment €80 per garnishment €80 per garnishment

Bank statement (only available for business) N/A €120

Enter arbitration for a Mastercard chargeback €20 - €500 per transaction, depending on the ruling by €20 - €500 per transaction, depending on the ruling by
Mastercard Dispute Team Mastercard Dispute Team

Mastercard Emergency Cash Advance €100 €120

Export of statements from permanently closed bunq €100 €120

account

Stamp duty on the account statement in case of an €34.20 per year €100.00 per year
average balance above €5.000 (on an annual basis and
subject to subsequent law amendments).

(Only for accounts with an Italian IBAN)

API - PSD2 developers

Package of personal, dedicated guidance and €3.500 per 10 hours of support

troubleshooting from our support team

Explanations

❖ bunq Pack

bunq is better together. That’s why we made it super easy to enjoy bunq with your friends, family or partner(s)! By starting your own bunq Pack, you can share the bunq
experience with up to 3 other people: It’s possible to have a bunq Pack with a up to 4 bunq Easy Bank Pro Personal/ Easy Bank Pro XL Personal accounts or 3 bunq Easy
Bank Pro Personal/ Easy Bank Pro XL Personal accounts and 1 bunq Easy Bank Pro Business/ Easy Bank Pro XL Business account. This includes the account of the Pack
owner.
The bunq Pack owner is the user who initiated the formation of the Pack. Only the Pack owner will be invoiced for the Pack fee. The other members of a Pack will not be
invoiced for their respective monthly account fees as long as they stay members of the Pack. If a Pack member upgrades to Easy Bank Pro XL Personal or Easy Bank Pro XL
Business, he/she will be charged only for the difference between Easy Bank Pro Personal and Easy Bank Pro XL Personal or between Easy Bank Pro Business and Easy Bank
Pro XL Business fees. All other charges will be invoiced normally.

By way of illustration, a bunq Easy Bank Pro Personal Pack member will not be charged €8.99 per month, but they will be charged if they order a replacement card or make
more than four withdrawals in one month.

You can leave a Pack anytime you want and every bunq Pack owner can terminate their Pack any time they want. If you leave a Pack, you can still access all the bunq
features that make life easy and help you save time. Depending on your type of account we will apply bunq Easy Bank Pro Personal or bunq Easy Bank Pro Business pricing
for you in case you leave a Pack or if the Pack you’re in gets terminated.

We will automatically terminate a Pack if the Pack owner is in arrears with the monthly fee.

❖ Billing

In case you order an extra or replacement card we will charge you €9.99. This amount will be debited from your billing account immediately. All running costs will be
debited from your billing account once a month (on your billing date).

We will start billing for an extra card or extra bank accounts, on the first billing date following the activation of the extra card/the moment we received the order for the
extra bank accounts.

❖ Upgrade

The above mentioned pricing will apply to you immediately from the moment you upgrade. However, we will only start billing for the plan fee on the first billing date
following the upgrade.

We will charge you the monthly fee for extra cards and/or accounts in case you upgrade and your number of cards and/or accounts exceeds the number included in your
plan.

By way of illustration, imagine you have five active bunq cards and decide to upgrade to bunq Easy Bank Pro Personal. Only three bunq cards are included in your bunq
Easy Bank Pro plan, so on top of the plan fee we will charge you a monthly fee per card for the two cards which exceed the included amount.

On the first billing date following an upgrade, we will count the number of withdrawals over the previous billing period (incl. any withdrawals made after the last billing but
before the upgrade) and we will charge a fee for all withdrawals above the number of withdrawals included in your plan.

By way of illustration, imagine you made three withdrawals since your last billing date and subsequently you upgrade. After the upgrade you made another four
withdrawals. On the next billing date we count a total of seven withdrawals. Four withdrawals are included in your plan, so we will charge you for three withdrawals.

❖ Non-euro card payments and cash withdrawals

For transactions executed in currencies other than euro, we convert the transaction amount to euro using the Mastercard exchange rates before we debit your account. This
means the initial amount debited at the time of payment is an estimated amount, which may differ from the final amount after the payment is fully processed due to
possible exchange rate fluctuations. If you want to check the current Mastercard exchange rates, please have a look at their website.
We may also apply a currency fluctuation prevention to your transaction.

❖ Swift inbound transfers

Depending on the volume of the amount of these payments, we charge inbound Swift costs.

❖ Incidental special costs

Sometimes your incidental financial matters with a third party require us to get involved. Because this involvement requires time and effort from our side, we can charge
you the costs we make in order to do our job.

❖ Garnishments

Third parties have the possibility to (preliminary or definitely) extract funds from your account to repay an outstanding debt, for example due to unpaid taxes or open loans.
These third parties require either a prior permit from a judge or a court order to put a garnishment of your accounts. As processing these garnishments is a difficult and
timely process, we charge you with the costs as described above. When you have a positive balance on your accounts, we will settle the balance with the costs. We will also
charge you with the costs when there is no balance on the accounts.

❖ Bank statements

Your organisation may be required to provide a standard bank statement towards your audit firm. To support your organisation with this, we can draft the required
statement in accordance with the format as provided by the NBA (https://www.nba.nl/tools-en-voorbeelden/standaardbankverklaring/) in Dutch or English. When you
request us to draft a standard bank statement for your account with us, we will charge you the applicable fee.

❖ Mastercard Chargebacks

Chargebacks are situations in which you dispute a card payment you made. Please note that Mastercard can decide the dispute was unjustified (either before or after
arbitration), for which the costs will be charged to you. Any additional costs charged by Mastercard for fraudulent or incorrect chargebacks (on top of the above-mentioned
cases), we hold the right to pass these costs on to you when your case gives reason to do so. We want to stipulate that these costs can be substantial. For more information
on these costs, please refer to the Mastercard Chargeback Guide.

A €15 deposit will be deducted from your account, which will be returned after the chargeback process. In case of a false or unjust chargeback request, we may decide to
retain the deposit.

❖ Export of statements from a permanently closed account

If you would like to export a bank statement for an account that you have decided to close permanently, we are happy to help. However, since this requires a lot of time and
effort on our side to make this happen, we will charge you a fee to export a bank statement for a permanently closed account. Please check www.together.bunq.com if you
would like to close your account through the app in a way that lets you export bank statements and avoid this fee.

❖ API support for PSD2 developers

We want to provide PSD2-licensed developers with support when it comes to their app’s connection to the bunq PSD2 API. Support can be acquired in packs of 10 hours.
Our software will keep track of the hours of support you have used up. The purchased support hours are non-refundable. Support can be requested by sending an email to
apipartner@bunq.com. For an overview of what is and isn’t included in this support package, see the relevant terms and conditions at www.bunq.com/terms.

❖ Stamp Duty for users residing in Ireland

In certain cases, we are required to collect stamp duty from you if you reside in Ireland. If you use a physical card, we are required to charge you a fee of €0,12 per cash
withdrawal up to a maximum of €5 per year. This fee is charged once per year on the 31st of December. Collection of these stamp duties is mandatory and is governed by
Revenue, the Irish tax service. For more information, please see their website.

Deposit Guarantee Scheme

In principle, every Euro in your bunq account is covered by the Deposit Guarantee Scheme (DGS).
This means that your credit is guaranteed up to EUR 100,000 per account holder. This guarantee
applies per banking license holder. For a complete overview of what falls under the Scheme
please check our DGS information page and the Dutch Central Bank (DNB) for more information.