bunq
Payments Verified May 2026
bunq deal: Free Business Account
European mobile bank with multi-IBAN accounts for freelancers and SMEs
- Multiple IBANs in one account — ideal for freelancers keeping finances separate by project or client
- European banking license — deposits protected up to €100,000 under Dutch DGS
- Bunny AI provides automatic financial insights and categorization
- Green savings account plants trees with spending — ESG appeal
How bunq scored 59/100
6 weighted criteria, each scored out of 10 and published with its reasoning. Featured placements never move a score.
Deal Strength
3.0 /10There's no exclusive coupon; the value is a free entry plan to open an account and try the app, plus paid tiers you can start or stop monthly. It's access-and-try rather than a discount, letting you experience the multi-IBAN, sub-account setup before paying for a higher plan.
Value for Money
5.0 /10Value is the softer pillar: bunq's richer plans carry monthly fees (from a few euros up to the premium 'green' tier), which is more than a basic free challenger account, and features like extra IBANs, higher savings interest and travel perks scale with the plan. For freelancers and multi-currency users those tools can be worth the fee; simple banking needs may not justify it.
Capability
8.0 /10bunq is feature-rich for a mobile bank: multiple local IBANs, sub-accounts to organize money and taxes, competitive savings interest, multi-currency spending, instant card controls, budgeting, joint accounts and business banking, plus app-first automation. It's built around the modern, borderless-work use case; it's a banking app rather than a full financial-services suite, and coverage is Europe-centric.
Time to Value
8.0 /10Onboarding is fast and fully in-app: verify your identity, open the account and start using IBANs, sub-accounts and cards within a day, without a branch visit. The free tier lets a new user test the experience quickly, which suits the freelancers and remote workers bunq targets.
Trust & Reliability
8.0 /10bunq is a licensed EU bank (regulated in the Netherlands) with deposit protection under European rules and a long operating history as one of the region's established neobanks — a strong trust signal for a mobile bank. That banking license and regulatory standing are precisely what distinguish it from unlicensed fintech apps.
Flexibility & Exit
5.0 /10Flexibility is reasonable: plans are monthly with no long lock-in, and you can move funds out by standard transfer, so closing or downgrading is straightforward. The friction of leaving is the usual banking-switch effort — updating direct debits, salary and linked services tied to your bunq IBANs — rather than any proprietary data trap.
Free Business Account
Free Business Account
Affiliate link — same price for you, and it never moves the score.
- Multiple IBANs in one account — ideal for freelancers keeping finances separate by project or client
- European banking license — deposits protected up to €100,000 under Dutch DGS
- Bunny AI provides automatic financial insights and categorization
- Green savings account plants trees with spending — ESG appeal
About bunq
Quick answer
European mobile bank with multi-IBAN accounts for freelancers and SMEs
bunq, in 30 seconds
bunq is a Dutch challenger bank, fully licensed by De Nederlandsche Bank with European deposit guarantee up to €100,000. We picked it because for EU-based freelancers, side-hustlers and small companies, bunq solves the "I need a real EU IBAN this week" problem better than legacy banks, and pairs it with subaccounts, sustainability features and crypto-friendly attitudes that fit how modern small businesses actually operate.
How it works
You download the app, complete identity verification (passport plus video selfie), and an EU IBAN is provisioned within minutes to a couple of days. You can open up to 25 subaccounts, each with its own IBAN, for projects, taxes, savings or specific clients. Apple Pay, Google Pay, virtual cards, physical cards (metal on higher tiers) and SEPA transfers all ship in the app.
Business accounts add invoicing, accounting integrations (Exact, Twinfield, Moneybird), automated tax-saving subaccounts and bulk SEPA payments. Personal Easy Green plans offset CO2 by planting trees on every €100 spent.
Pricing reality
Personal: Easy Bank €3.99/month, Easy Money €9.99/month (adds metal card and travel perks), Easy Green €17.99/month (adds tree planting and unlimited features). Business: Easy Bank Business from €9.99/month, Easy Money Business €19.99/month, Easy Green Business €25.99/month. ATM withdrawals: 5/month free on entry tiers, more on higher plans. International payments via Wise integration. No transaction fees within EUR; non-EUR transactions use real exchange rates with a small markup.
Versus alternatives
| Bank | Strength | Weakness vs bunq |
|---|---|---|
| bunq | Fast EU IBAN, subaccount model | — |
| Revolut Business | Better multi-currency, FX rates | Lithuanian banking license, less subaccount depth |
| Wise Business | Best multi-currency receiving | Not a bank; no deposit guarantee on most balances |
| N26 Business | German banking license, simple UX | Smaller feature set, fewer subaccounts |
Who should buy, who should skip
Buy if you live and work in the EU (or run an EU entity), you need a real Dutch-issued IBAN within days, and the subaccount model fits how you separate taxes, projects or clients. The deposit guarantee from De Nederlandsche Bank is a real differentiator over Wise.
Skip if you are UK-based and need a UK current account (bunq pulled out of the UK post-Brexit and operates as an EU bank only), you mainly need multi-currency receiving (use Wise Business), or you process serious card volumes and need a payments-first product rather than a bank.
What's included
- Zero monthly fees with IBAN and SEPA included
- Multi-user access and card issuance from day one
- Regulatory compliance baked in for EU entities
- Instant spending controls and transaction categorization
- SaaSTweaks-verified affiliate deal
- Vendor-direct activation flow
- Editorial pros + cons review
- Tracked savings claim with refresh date
bunq pricing
Verified May 2026. Vendor's published rates at the time we checked — always confirm at checkout.
| Plan | Price | Term | What you get |
|---|---|---|---|
| Easy Money | €4.99/mo | personal plan | 1 IBAN · Savings goals · Bunny AI insights · Card included · Travel insurance |
| Easy Green | €17.99/mo | personal plan | 3 IBANs · Tree planting per €100 spent · Metal card · Extended features |
| Easy Business | €9.99/mo | business plan | 1 business IBAN · Sub-accounts · Team cards · VAT management |
| Easy Business Plus | €18.99/mo | business plan | 3 business IBANs · Multiple sub-accounts · Multi-currency · API access · Priority support |
How to claim it
4 steps. The last one is the part most people skip.
- 1
Open bunq through the link on this page
It carries our referral tag. The price you pay is identical either way, and it never changes the score on this page.
- 2
Pick the plan that matches your usage
This offer applies automatically through the link — there is no code to enter.
- 3
Confirm the discount before you pay
The order summary should show the reduced amount. If it does not, stop and tell us — we re-test listings that stop working.
- 4
Check what happens at renewal
Free Business Account
Where bunq wins and loses
What works
- Multiple IBANs in one account — ideal for freelancers keeping finances separate by project or client
- European banking license — deposits protected up to €100,000 under Dutch DGS
- Bunny AI provides automatic financial insights and categorization
- Green savings account plants trees with spending — ESG appeal
What doesn't
- Primarily useful for EU residents — not suitable for non-EU businesses
- Customer support is app-based only — no phone support
- Business Plus required for multi-currency accounts — API limited to higher tiers
- Monthly fee structure vs free alternatives like Revolut Basic
The bottom line
bunq is a licensed European mobile bank built for freelancers, remote workers and small businesses: multiple IBANs, sub-accounts, savings interest and slick app-first controls. Genuinely useful for multi-currency, cross-border work; monthly plan fees and a mobile-only, Europe-focused model are the trade-offs, but for its audience it's a buy.
Yes — bunq is a licensed European bank, regulated in the Netherlands, so customer deposits fall under European deposit-protection rules. That banking license is a key differentiator from many fintech apps that partner with a bank rather than being one, and it's why bunq can issue local IBANs and offer regulated savings directly.
bunq offers a free entry plan plus paid personal and business tiers billed monthly, ranging from a few euros a month up to its premium sustainability-focused plan, with features like extra IBANs, higher savings interest and travel perks scaling by tier. Because pricing and plan names vary by region, check bunq's current plan pages for exact fees.
bunq is aimed at freelancers, remote workers, digital nomads and small businesses — people who benefit from multiple IBANs, sub-accounts for organizing income and taxes, multi-currency spending and app-first controls. It's especially useful for those working across European countries; someone wanting only a basic single account may not need its richer, paid features.
bunq lets you hold multiple local IBANs and create sub-accounts within your banking, so you can separate money by purpose — business income, tax set-asides, savings goals — each with its own IBAN. That structure is a core reason freelancers and businesses choose bunq: it makes organizing cash flow and multi-country payments straightforward inside one app.
All three serve borderless, app-first finance, but bunq is a fully licensed bank with strong multi-IBAN and sub-account features for organizing money, Revolut is a broad financial super-app, and Wise specializes in low-cost international transfers and multi-currency accounts. Europe-based freelancers wanting real banking with structure often pick bunq; heavy cross-border transfers may favour Wise.
Cost and its Europe-focused, mobile-only model. Its useful features live on paid monthly plans, which cost more than a basic free account, and it's designed around European banking and app-first use — less suited to those outside its coverage or who prefer branch and desktop banking. This is general information about the service, not financial advice.
