European mobile bank with multi-IBAN accounts for freelancers and SMEs
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.
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.
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.
| 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 |
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.
Click through the verified link to start the 30-day free trial. We re-check the offer monthly.
Bootstrapped founders use bunq to ring-fence business income without opening a traditional bank account. bunq's free IBAN and card issuance let teams issue cards to co-founders and contractors within minutes. Multi-user access replaces spreadsheet-based expense tracking.
Agencies and consultants use bunq to invoice clients with a professional IBAN and track project-based spending across team members. bunq's transaction categorization and real-time notifications reduce monthly reconciliation time. Teams avoid per-seat costs of traditional business banking.
SaaS founders use bunq to manage company cash, issue team cards, and handle vendor payments without subscription fees. bunq scales from one founder to 50+ users on the same free account. The platform's spending controls and real-time categorization simplify expense management as headcount grows.
Quarterly access to product leadership.
Bonus credits redeemable on partner tooling.
We re-verify the offer every quarter so it never goes stale.
Hit the button on this page — opens the partner site in a new tab.
Check your investor or accelerator benefits portal for the bunq partner code. Y Combinator, Sequoia, and most Tier 1 VCs have codes available.
Renewals stay at the same rate — verified by us, not the vendor.
| Feature | bunq |
|---|---|
| Free trial | 14 days |
| Cheapest paid plan | $0/mo |
| Annual discount | Up to 25% |
| Refund window | 30 days |
| Setup time | < 1 hour |
| Best for | Founders |
“Best digital business bank for EU-incorporated companies”
“European digital bank that actually understands SMBs”
“Multi-IBAN accounts are a game changer for freelancers”
1 free transaction for new accounts
FREE until your first $1Million in revenue
Verified offer
Verified offer
$30 signup discount for new users
Verified offer
Free Basic plan + partner onboarding
Free payment terminal + flat 0.99% rate via partner link
