What is the official website of the payment service?
https://www.bunq.com
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
The customer support contacts are listed on the Bunq website's "Contact" and "Support" sections.
What is the hotline phone number?
Bunq does not publicly list a general hotline; support is primarily via in-app chat and email.
Is there a toll-free support number?
Bunq does not provide a toll-free support number; all support is handled digitally.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Bunq generally handles all inquiries through [email protected] and their in-app support. Specialized emails are not commonly listed.
Where can I find the online chat support?
Online chat support is available within the Bunq mobile app and customer dashboard after login.
Does the chat support work 24/7?
Bunq offers chat support 24/7 for urgent issues; general inquiries are handled during business hours.
Is there support through messengers (Telegram, WhatsApp)?
Bunq does not officially support Telegram or WhatsApp for customer service; communication is through app and email.
What are the support working hours?
Chat support for urgent matters is available 24/7. Non-urgent issues are responded to during standard business hours.
Does support work on weekends and holidays?
Urgent chat support is available during weekends and holidays; general support queries may have delayed responses.
Are there regional offices for in-person visits?
Bunq’s primary office is located in Amsterdam; they do not generally offer walk-in service for clients.
Where are the physical offices located?
Bunq’s registered office is at Naritaweg 131-133, 1043 BS Amsterdam, Netherlands.
Can I schedule a personal meeting?
Personal meetings are typically not available for standard customers; business inquiries or partnerships may be accommodated by prior arrangement.
Are there representatives in different countries?
Bunq’s main operations are in the Netherlands; they serve European customers but do not maintain physical representatives abroad.
In which languages is support available?
Support is available in English and Dutch; other languages may be supported depending on availability.
How quickly does support respond to requests?
Urgent requests via in-app chat are addressed within hours; general inquiries typically receive a response within one business day.
Is there a priority system for VIP clients?
Bunq offers business and premium accounts which may include prioritized support, but there is no widely advertised VIP system.
Can I request a callback?
Bunq does not offer a callback service; all support is provided digitally through in-app chat and email.
When was the payment service founded?
Bunq was founded in 2012.
Who is the founder and owner of the service?
Ali Niknam is the founder and CEO of Bunq.
In which country is the company registered?
Bunq is registered in the Netherlands.
What is the development history of the payment service?
Bunq was founded in 2012, received a European banking license in 2014, launched its app in 2015, and has since expanded features including multi-currency, travel cards, and innovation in digital banking.
Have there been major updates or rebranding?
Bunq has launched major updates, notably new versions of its app, travel cards, and added multi-currency support. The brand has maintained a focus on app innovation.
Who sits on the company's board of directors?
Ali Niknam serves as CEO; additional executive and leadership information is periodically updated on the company’s reports.
Are there investors or partners in the service?
Bunq has received investment from its founder and, more recently, independent external investors and venture capital partners.
Does the company participate in stock trading?
Bunq is a privately held company and is not listed on public stock exchanges.
What is the company's market capitalization?
As a private company, Bunq does not publicly disclose its market capitalization.
Are there subsidiary companies or branches?
Subsidiaries or branches are not publicly detailed; Bunq operates as a single entity out of the Netherlands.
What licenses does the payment service have?
Bunq holds a banking license issued by the Dutch Central Bank, allowing it to operate across the European Economic Area.
In which jurisdictions does the service operate officially?
Bunq operates and is licensed across the European Economic Area (EEA) and supports users residing in those countries.
Are there licenses for cryptocurrency operations?
Bunq does not advertise cryptocurrency-specific licenses; all operations are overseen by regular banking authorities.
Does the service comply with AML/KYC requirements?
Bunq fully adheres to AML (Anti-money laundering) and KYC (Know Your Customer) regulations in the EU.
Are there security certificates (PCI DSS, etc.)?
Bunq’s infrastructure is compliant with industry-standard security certifications, although PCI DSS is typically for card processors; Bunq applies robust security measures.
Has the service undergone security audits?
Bunq regularly conducts internal and external security audits to verify the safety of its operations and systems.
Is there insurance for client funds?
As a licensed bank, Bunq client deposits are protected up to €100,000 per person under the Dutch Deposit Guarantee Scheme.
Which international standards does it comply with?
Bunq complies with EU and Dutch banking standards, anti-money laundering regulations, data protection laws, and security frameworks.
Have there been any regulatory fines or violations?
No significant regulatory fines or violations have been publicly reported against Bunq.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, the Apple App Store, and Google Play.
What are the main user complaints?
Some users report account verification delays, occasional issues with fund transfers, and fee transparency.
What do users most often praise the service for?
Users praise Bunq for its innovative digital features, easy account setup, multi-currency support, and eco-friendly initiatives.
Are there issues with fund withdrawals?
Most users experience reliable withdrawals, though some report occasional delays related to bank or third-party processes.
Is the interface convenient according to users?
Bunq’s interface is widely rated as modern, user-friendly, and visually appealing.
Are clients satisfied with transaction speed?
Transaction speed is frequently cited as fast and reliable; users are generally satisfied.
Do users recommend this service?
Majority of users recommend Bunq, citing ease of use and innovation; referral rates are strong.
How do experts assess the service's reliability?
Experts rate Bunq as technically advanced, secure, and compliant with European banking standards.
Are there industry awards and recognitions?
Bunq has been recognized as a leading neobank in Europe and has received awards for innovation and sustainability.
Does the service participate in payment system rankings?
Bunq features in European neobank and fintech rankings, often in top positions.
Are there recommendations from financial regulators?
Financial regulators authorize Bunq for EEA use but do not issue direct recommendations; compliance is confirmed.
What reputation does the service have among partners?
Bunq is regarded as a reliable and innovative partner by merchants and collaborators in the fintech sector.
How do they evaluate solution innovation?
Bunq is known for rapid feature development, open banking capabilities, and environmental initiatives, rated highly for innovation.
Are there quality service certificates?
Bunq maintains high-quality service standards and aligns with EU financial best practices, though no broad external certificates are advertised.
Does the company participate in industry conferences?
Bunq regularly appears at fintech events and conferences, presenting its technology and vision.
How does the service position itself in the market?
Bunq positions itself as an app-first, customer-centric neobank focused on innovation, transparency, and sustainability.
Which fiat currencies does the service support?
Bunq supports EUR by default; multi-currency accounts can hold and convert major currencies like USD, GBP, and others.
Are cryptocurrencies supported? Which ones specifically?
Bunq does not directly support cryptocurrency wallets or purchases; it functions as a Euro-focused digital bank.
Is there a proprietary cryptocurrency or token?
Bunq does not issue or manage a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Bunq offers multi-currency accounts with conversion between supported fiat currencies within the platform.
What exchange rates are used for conversion?
Bunq uses marketplace rates, typically sourced from established FX providers and updated regularly.
How often are exchange rates updated?
Exchange rates are updated throughout the day in accordance with market fluctuations.
Are stablecoins supported?
Bunq does not offer native stablecoin support; funding and transfers are in traditional fiat currencies.
Can exotic currencies be handled?
Bunq primarily handles major fiat currencies and may not support exotic currencies for direct account funding or conversion.
Are there currency restrictions in different countries?
Restrictions may apply due to regulatory requirements or licensing limitations; supported currencies are listed per country.
What types of transfers does the service support?
Bunq supports SEPA transfers, SWIFT transfers, instant payments, internal transfers, and card payments.
Can transfers be made between service users?
Yes, Bunq users can make instant peer-to-peer transfers within the platform.
Are transfers to bank cards supported?
Bunq enables transfers to eligible debit and credit cards, depending on country and card network.
Can money be transferred to bank accounts?
Yes, SEPA bank account transfers are supported throughout the EEA.
Is bill payment available?
Bill payment is available for select service providers within the EU using direct debit and transfer options.
Are recurring payments supported?
Recurring payments can be scheduled using standing orders and recurring debit features.
Can automatic transfers be set up?
Bunq allows users to set up automatic scheduled transfers between accounts.
Is payment scheduling available?
Payment scheduling is available for transactions within the app.
Are group payments supported?
Bunq provides group payment and bill-splitting functionality for shared expenses.
Can payment links be created?
Payment links can be generated and shared for requesting and receiving funds.
What are the minimum transaction amounts in the service?
Minimum transaction amounts vary; typically €0.01 for most payment types.
What are the maximum amounts that can be transferred?
Maximum transfer amounts depend on account type, user verification, and local regulations.
Are there daily limits on operations?
Daily limits exist and can vary based on account tier, type, and verification status.
What monthly and annual limits are in effect?
Monthly and annual limits are set according to user verification level and specific account features.
Can limits be increased? How?
Limits can be increased by providing additional verification documents and upgrading account status.
Do limits differ for verified users?
Verified users have higher transaction limits and fewer restrictions compared to unverified users.
Are there restrictions for new accounts?
New accounts may have temporary lower limits and restricted features until verification is complete.
Do special limits apply in different countries?
Limits may vary by jurisdiction due to regulatory or licensing requirements.
Can operations be temporarily blocked?
Temporary blocks may be applied for suspected fraud, regulatory compliance, or user-initiated freezes.
Are there limits on the number of daily operations?
Operational limits may apply to prevent excessive or suspicious activity; these are subject to account conditions.
What are the minimum amounts for account funding?
Minimum funding amounts depend on method; typically €0.01 for digital transfers.
What methods of funding are supported?
Supported funding methods include bank transfer, card payment, and automated SEPA debit.
Are there fees for funding?
Some funding methods incur fees, particularly for international transfers and card payments; details are disclosed in-app.
What are the minimum funding amounts?
Minimum funding is generally €0.01 for standard transfers; higher minimums may apply for specific methods or currencies.
How quickly are funds credited when funding?
SEPA and instant transfers are credited within minutes; other methods may take longer.
How can money be withdrawn from the system?
Withdrawals are supported through bank transfer, card refund, and sometimes cash withdrawal at supported ATMs.
Are there fees for fund withdrawal?
Withdrawal fees depend on method and account type; standard EU bank transfers are usually free or low-cost.
How long does withdrawal take?
Bank transfers are processed within 1–2 business days; card withdrawals may be instant or up to several hours.
What withdrawal limits are set?
Withdrawal limits depend on verification status, account tier, and local regulations.
How quickly are funds credited when funding with a card?
Card funding is generally instant, appearing within minutes in the account.
How long does a bank transfer take?
SEPA transfers typically take between a few minutes and up to 1 business day.
How quickly do cryptocurrency transfers arrive?
Bunq does not directly support cryptocurrency transfers.
Are transfers between users instant?
Internal Bunq-to-Bunq transfers are instant.
Are there delays when funding on weekends?
Some funding methods, especially SEPA, may experience delays on weekends.
Do holidays affect funding speed?
National and European holidays can impact funding and transfer processing times.
Can crediting be accelerated for a fee?
Express processing may be available for some transfers; details depend on the method and account status.
What determines the speed of funding processing?
Speed depends on payment method, currency, sending bank, weekends, holidays, and verification status.
Are there notifications about funding status?
Users receive push and in-app notifications for funding events, completion, or issues.
What to do if funding takes too long?
Users should contact Bunq support via in-app chat or email, provide transaction details, and follow guided troubleshooting.
How quickly are withdrawal requests processed?
Withdrawal requests are typically processed within hours during business times unless additional review is required.
How long does card withdrawal take?
Card withdrawals are generally instant but can take up to several hours depending on processing network.
How quickly do bank transfers arrive?
Bank transfers typically complete within 1–2 business days; SEPA instant payments are faster.
Are cryptocurrency withdrawals instant?
Bunq does not support cryptocurrency withdrawals.
Are there withdrawal delays on weekends?
Weekend withdrawals may be delayed due to non-banking days.
Do holidays affect withdrawal speed?
Withdrawal speed can be affected by public holidays and non-working days.
Can withdrawal be accelerated for an additional fee?
Express withdrawals may be available for a fee depending on the withdrawal method.
What determines withdrawal processing time?
Processing times are determined by withdrawal method, verification, day of the week, and currency.
Are there notifications about withdrawal status?
Withdrawal status notifications are sent via app and email.
Can a withdrawal request be canceled?
Withdrawal requests may be canceled prior to processing via the app or customer support.
How to register with the payment service?
Registration is completed via the Bunq mobile app or website by providing personal details and verifying your identity.
What data is needed to create an account?
Users must provide name, date of birth, address, email, phone number, and proof of identity.
Can registration be done without email?
Registration requires an email address for account setup and security.
Is phone confirmation required during registration?
Phone number confirmation is required for security and account verification.
Are there age restrictions for registration?
Registrants typically must be 18 years or older to open an account.
Can a corporate account be created?
Bunq offers business accounts for companies with enhanced features and verification requirements.
Is it required to provide real data?
Real personal and company information is required for legal compliance and account setup.
Are there country restrictions for registration?
Registration is available to residents in the Netherlands and supported EEA jurisdictions.
How long does account activation take?
Activation typically completes within minutes after successful verification.
What verification levels exist?
There are basic, advanced, and business verification tiers, each with different documentation and feature levels.
What documents are required for basic verification?
A government-issued ID and proof of address are required for basic verification.
Are documents needed for full verification?
Enhanced verification may require additional documents such as utility bills, tax statements, or corporate registration papers.
Are digital copies of documents accepted?
Digital uploads of documents are accepted via the app during verification.
How long does the verification procedure take?
Verification is processed within minutes to one business day depending on document checks.
Can the service be used without verification?
Limited functionality may be available to unverified users; full services require completed verification.
What restrictions apply to unverified users?
Unverified users face lower limits, restricted transfers, and cannot access full features.
Is address confirmation required?
Address confirmation is required during onboarding with supporting documentation for verification.
Is a selfie with documents required?
A selfie with ID is typically required for enhanced verification and security.
How often do documents need to be updated?
Document updates are required when data changes or on periodic review; frequency depends on risk and compliance policies.
What encryption technologies does the service use?
Bunq uses SSL/TLS encryption, secure data protocols, and advanced cryptographic measures.
Is two-factor authentication supported?
Two-factor authentication is available and can be enabled in the security settings.
Are there SMS confirmations for operations?
SMS confirmations are employed for high-risk operations and account changes.
Is biometric authentication supported?
Biometric authentication such as Face ID/Touch ID is supported in the mobile app.
Is blockchain technology used?
Bunq does not use blockchain for its payment infrastructure or account operations.
Is there a multi-level security system?
Multi-level security systems are integrated, including device checks, biometrics, and secure authentication.
How is user personal data protected?
Personal data is protected under GDPR, securely stored, and never shared without user consent.
Is cold storage used for cryptocurrencies?
Bunq does not hold client crypto assets; cold storage is not applicable.
Is there DDoS attack protection?
Bunq employs active DDoS mitigation systems to protect infrastructure.
Are regular security audits conducted?
Regular security audits and penetration tests are performed internally and by external partners.
What anti-phishing protection measures are provided?
Anti-phishing educational materials, secure login processes, and transaction alerts are provided to users.
Is there a suspicious activity detection system?
Automated monitoring systems analyze activity and flag suspicious transactions for review.
How does the service combat money laundering?
AML policies include user verification, transaction monitoring, and reporting suspicious activity to authorities.
Is there blocking of suspicious accounts?
Suspicious accounts are subject to immediate blocking and investigation.
What to do when fraud is detected?
If fraud is detected, users should immediately contact Bunq support, freeze the account, and follow company instructions.
How to report suspicious activity?
Suspicious activity should be reported via in-app support, email, or phone; details and documents may be required.
Is there compensation for damage from fraudsters?
Bunq supports investigations and may compensate users if fraud occurred due to system failures; standard policies apply.
What user rights exist for disputed transactions?
Users can dispute unauthorized transactions and submit evidence for Bunq investigation and resolution.
How to dispute account blocking?
Users should contact customer support, provide requested information, and follow the appeals process for blocked accounts.
Is there insurance against cyber attacks?
Bunq maintains cyber insurance coverage for operational risks in addition to statutory deposit protection.
What fees does the service charge for transfers?
Bunq charges for international, currency conversion, and premium features; SEPA transfers are generally free for most accounts.
Are there fees for account funding?
Fees may apply for card payments and international transfers; SEPA funding is typically free.
Are fees charged for fund withdrawal?
Withdrawal fees depend on the method and account type; domestic transfers are generally free or low-cost.
Are there fees for currency conversion?
Currency conversions incur fees based on the currency and amount.
Are there fees for account inactivity?
No fees are typically charged for account inactivity.
Are there account maintenance fees?
Monthly account fees apply depending on chosen plan: Personal, Premium, or Business.
Are fees charged for operation cancellation?
Cancellation of operations before processing is free; completed transactions may incur a reversal fee.
Are there hidden fees?
Bunq maintains transparent fee disclosure in its terms and account dashboard; hidden fees are not practiced.
How are fees calculated for large amounts?
Large-value transactions are subject to standard percentage-based fees and may incur additional currency exchange costs.
Are there different tariff plans in the service?
Multiple tariff plans exist including Personal, Premium, Business, and Travel Card options.
What advantages does VIP status provide?
VIP status may offer higher limits, fee reductions, priority support, and exclusive account features.
How to get preferential conditions?
Preferential conditions are available for premium and business clients, or via special promotions.
Are there free operations per month?
Free SEPA operations may be included depending on account type; limits apply to certain transfers.
Are there discounts for active users?
Active users may receive loyalty rewards, reduced fees, or bonuses for frequent usage.
Are there corporate tariffs?
Corporate tariffs with tailored pricing and features exist for business clients.
Can individual conditions be obtained?
Custom conditions are available for premium clients and large businesses through direct negotiation.
Do promotional codes work for fee reduction?
Promotional codes may be used for discounts on services during specified campaigns.
Are there cashback programs?
Selected accounts or card plans provide cashback for certain types of spending.
Are there discounts for transaction volumes?
Discounts may apply for high-volume business accounts and frequent transfers.
Is there an official mobile application?
Yes, the official Bunq mobile app is available.
On which platforms is the application available?
The app is available for iOS, Android, and iPadOS devices.
What functions are available in the mobile application?
The app supports account management, transfers, bill payments, card controls, group payments, and notifications.
Does functionality differ from the web version?
Some features may be exclusive to the mobile app; core functions are available on both platforms.
Is Touch ID/Face ID supported?
Touch ID and Face ID are supported for authentication in the iOS app.
Can the application work offline?
Basic account access may be available offline; transactions require internet connection.
Are there push notifications about operations?
Push notifications keep users informed about account activity and changes.
Is dark theme supported?
Dark theme/night mode is supported in the Bunq mobile app.
How often is the mobile application updated?
The mobile app is updated regularly, typically monthly or as needed for features and security.
Are there beta versions of the application?
Bunq may offer beta access for new features to select users.
Is the web interface of the service convenient?
Bunq’s web platform is designed for ease of use and intuitive navigation.
Is responsive design supported?
Responsive layouts ensure usability on mobile and desktop devices.
In which languages is the interface available?
The interface is available in English and Dutch, with potential support for other EU languages.
Is there a night mode for the website?
Night mode is supported in the web interface for reduced eye strain.
Are hotkeys supported?
Industry standard platforms support keyboard shortcuts for navigation and actions where possible.
Can data be exported?
Users can export account statements and transaction history in PDF or standard data formats.
Is there an API for developers?
Bunq offers an API for developers to create integrations and automate account functions.
Is integration with other services supported?
Integration with accounting software, budgeting apps, and other financial services is supported via API.
How often is the web interface updated?
The web interface receives periodic updates for new features, security, or compliance.
Are there virtual cards in the service?
Bunq offers virtual cards for secure online purchases and digital wallet use.
Can disposable cards be created?
Disposable virtual cards are available for single-use purchases.
Is multi-currency account functionality supported?
Multi-currency accounts are supported for holding and converting several major currencies.
Are there investment products?
Bunq does not directly offer investment products; it focuses on banking and payment services.
Can interest be earned on balance?
Interest may be offered on balances for certain accounts, subject to terms.
Are there credit products?
Bunq does not offer typical credit products; its primary services are payment and account management.
Is P2P trading supported?
Peer-to-peer trading is not a primary service feature; Bunq focuses on payments and transfers.
Can cryptocurrencies be bought/sold?
Bunq does not facilitate direct cryptocurrency trading or account funding.
Is there acquiring for business?
Merchant acquiring is not provided; Bunq focuses on business banking rather than payment processing.
Are mass payouts supported?
Mass payout and bulk payment services are available for business clients.
Is there a loyalty program in the service?
Loyalty and cashback programs are available for select cards and account types.
How are bonus points earned?
Rewards such as cashback or eco-bonuses are earned through qualifying purchase activity.
Is there cashback for operations?
Cashback is available for qualifying transactions with selected account types.
Are there referral programs?
Bunq runs referral programs where users can invite friends and earn bonuses.
What privileges do VIP clients have?
VIP clients may benefit from increased limits, priority support, and exclusive features.
Are there seasonal promotions and offers?
Bunq periodically offers seasonal promotions, discounts, and feature launches.
Can premium status be obtained?
Premium status is acquired by subscribing to higher-tier plans.
Are there partner discounts?
Discounts are available at select partner merchants for eligible Bunq users.
Are there corporate loyalty programs?
Loyalty and rewards programs for business clients are available by arrangement.
Does the service allow operations with online casinos?
Bunq does not promote or specifically restrict online casino payments; transactions depend on regulatory policy and license.
Are there restrictions on gambling transactions?
Gambling-related transactions may be monitored to ensure compliance with legal and licensing requirements.
Can accounts be blocked for casino play?
Accounts may be temporarily blocked for reviewing suspicious gambling transactions for compliance.
How does the service view gambling?
Bunq treats gambling as a high-risk activity and monitors related transactions per regulatory guidelines.
Are there special conditions for gambling?
Additional verification or limits may apply to gambling-related transactions.
Are casino transactions tracked?
Gambling transactions are monitored for risk and legal compliance.
Can operations with gambling sites be hidden?
All transactions are recorded; privacy options are limited by regulation and transparency requirements.
Are there notifications about gambling expenses?
Notifications and categorization are available for recognized gambling spending.
Are there special fees for gambling operations?
Fees for gambling transactions are not explicitly listed but may follow standard international rates.
Can limits be set on gambling?
Users may configure payment and transaction limits, including for gambling.
Is there a self-exclusion function?
Self-exclusion features can be requested through support for blocking gambling site transactions.
Can access to gambling sites be restricted?
Limits and blocks can be placed on specific merchant codes including gambling.
Is gambling expense control supported?
Expense tracking and limit setting helps control gambling spending.
Are there notifications about limit exceedance?
Alerts are sent if predefined spending or transaction limits are exceeded.
Can operations with casinos be blocked?
Users and Bunq can block casino-related payments on request or for compliance.
Is there gambling expense statistics?
Users can view gambling-related spending statistics in their account dashboard.
Is a "cooling-off period" supported?
Cooling-off periods for gambling activity can be configured via support and account settings.
Can help be obtained for gambling addiction?
Bunq support can provide resources and direct users to external help organizations.
Is there partnership with player assistance organizations?
Bunq does not publicly list partnerships with gambling addiction groups; standard resources may be provided.
How to set up gambling expense notifications?
Notifications can be set in spending category controls or by using in-app budgeting features.
Which online casinos accept this payment method?
Bunq cards and accounts may be accepted at online casinos supporting Mastercard, but a verified list is not published.
Are there exclusive partnerships with specific casinos?
Bunq does not feature exclusive partnerships with particular online casinos.
Do conditions differ when used in different casinos?
Conditions, fees, and acceptance may vary by casino and their payment processor agreements.
Are there special bonuses for using this method in casinos?
No special bonuses for casino payments are advertised by Bunq.
Can the method be used for both deposits and withdrawals in casinos?
Bunq accounts and cards may be used for deposits and withdrawals where casinos accept Mastercard and bank transfers.
Are there geographic restrictions for casino usage?
Geographic restrictions apply in line with EEA regulations and local gambling laws.
How do casino operators typically process transactions from this method?
Casinos process Bunq transactions as standard Mastercard payments or SEPA transfers.
Are there typical processing times when used with casinos?
Processing times depend on casino policy; Mastercard payments are usually instant, SEPA up to one business day.
Do casinos usually charge additional fees for this method?
Casinos may impose extra fees for certain payment methods; this varies by operator.
Are there any known compatibility issues with major casino platforms?
Bunq cards and bank accounts are generally compatible; issues may arise with unsupported merchant codes or regulatory blocks.