Pricing

Consumers & Businesses

01/03/2024
To continue offering you best-of-class service, we're updating our pricing from March 1 2024. If you signed up before March 1
2024, this updated pricing applies from May 1 2024.

Personal Business

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Extra accounts € 20.00 € 20.00 € 20.00 € 20.00 € 21.00 € 21.00 € 21.00 € 21.00
(per 25 accounts) per month per month per month per month per month per month per month per month

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

Receive 1.56% annually, paid 1.56% annually, paid 1.56% annually, paid 1.56% annually, paid 1.05% annually, 1.05% annually, 1.05% annually, 1.05% annually,
MassInterest1 weekly weekly weekly weekly paid weekly paid weekly paid weekly paid weekly

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

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

1
You will only accrue MassInterest over the first 100.000 in your savings account(s) per currency (EUR, USD, GBP) , paid on your billing account. See the applicable terms and conditions.
Payments

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Sending/receiving free free free Maximum of 2 € 0.13 € 0.13 € 0.13 € 0.13

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

Tap To Pay (iOS N/A N/A N/A N/A 1.5% of the amount 1.5% of the amount 1.5% of the amount 1.5% of the amount
only)

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

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

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

Receiving 2.5% 2.5% 2.5% N/A 2.5% + € 0.27 2.5% + € 0.27 2.5% + € 0.27 N/A
bunq.me
payments with
debit or credit card

Top up with debit 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards
or credit card, or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA
whenever and cards cards cards cards cards cards cards cards
wherever it suits (first €500 free per (first €500 free per (first €500 free per (first €500 free per (first €500 free per (first €500 (first €500 (first €500 free per
you. month) month) month) month) month) free per month) free per month) month)
Top up with iDEAL, free free free free € 0.13 € 0.13 € 0.13 € 0.13
SOFORT, per top up per top up per top up per top up
Bancontact

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

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

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

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

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

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

Direct debits

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Cards

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

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

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

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

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

Creating €19.99 €19.99 N/A N/A €19.99 €19.99 N/A N/A

additional Virtual per month per month per month per month
Credit Cards2 per additional 26 per additional 26 per additional 26 per additional 26
cards cards cards cards

Ordering a €9.99 €9.99 €9.99 N/A €9.99 €9.99 €9.99 N/A

replacement card per card per card per card per card per card per card
(Mastercard/Maest (1 free replacement (1 free replacement (1 free replacement (1 free replacement
ro) per year) per year) per year) per year)

Ordering a free free free N/A free free free N/A

replacement for a

2
The invoice is due when passing the order of the first card outside of the ongoing invoiced card batch
 card that expires
within 3 months

Ordering a €89.99 €89.99 €89.99 N/A €89.99 €89.99 €89.99 N/A

replacement Metal per card per card per card per card per card per card
Card

Card payment The real The real 1,5% of the 1,5% of the The real The real 1,5% of the 1,5% of the
(in a foreign Mastercard Mastercard transaction transaction Mastercard Mastercard transaction transaction
currency) exchange rate + exchange rate + amount + 0,5% amount + 0,5% exchange rate + exchange rate + amount + 0,5% amount + 0,5%
0,5% (network fee) 0,5% (network fee) (network fee) (network fee) 0,5% (network fee) 0,5% (network fee) (network fee) (network fee)

Cash withdrawal3 First 6 withdrawals First 6 withdrawals First 5 withdrawals €2.99 First 6 withdrawals First 6 withdrawals First 5 withdrawals €2.99
per month are free, per month are free, per month are per month are free, per month are free, per month are
the five after are the five after are €0.99 each, the five after are the five after are €0.99 each,
€0.99. Thereafter, €0.99. Thereafter, thereafter €2.99 €0.99. Thereafter, €0.99. Thereafter, thereafter €2.99
€2.99 per €2.99 per each €2.99 per €2.99 per each
withdrawal withdrawal withdrawal withdrawal

Local Currencies

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Converting The Currency The Currency N/A N/A The Currency The Currency N/A N/A
currencies Cloud exchange Cloud exchange Cloud exchange Cloud exchange
rate + network fee rate + network fee rate + network fee rate + network fee
(0,5%) (0,5%) (0,5%) (0,5%)

Outgoing payment Transaction fee Transaction fee N/A N/A Transaction fee Transaction fee N/A N/A
from Local
Currencies
account4
(no conversion)

Outgoing payment Transaction fee + Transaction fee + N/A N/A Transaction fee + Transaction fee + N/A N/A

3
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%
network fee is added
4
The applicable transaction fee varies and depends on the type of payment and the currency involved. The transaction fees can be found below
 from Local 0,5% network fee 0,5% network fee 0,5% network fee 0,5% network fee
Currencies
account
(including
conversion)

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

Incoming payment Transaction fee + Transaction fee + N/A N/A Transaction fee + Transaction fee + N/A N/A
to Local Currencies 0,5% network fee 0,5% network fee 0,5% network fee 0,5% network fee
account
(including
conversion)

Attachments

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Receiving and free free free free €0.13 €0.13 €0.13 €0.13
sending per attachment per attachment per attachment per attachment
attachments

Invoice scan

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

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

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Bookkeeping free free N/A N/A €0.13 €0.13 N/A N/A

on-the-go by per note per note
adding notes (text
or images) to
payments

Exports

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Export of free free free free free free free free

transaction details
(digital only)

Automatically N/A N/A N/A N/A free free N/A N/A

send export
statements to your
bookkeeper
(digital only)

API

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Multiple Trade Names

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Zapier

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Automate all your free (only for users free (only for users N/A N/A free free N/A N/A
finances with residing in the residing in the
Zapier Netherlands) Netherlands)

Extra features

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Gift your tree free N/A N/A N/A N/A N/A N/A N/A
planting to your
bestie
 Easily track your free free free free free free free N/A
group expenses
with Activities Only available for Only available for Only available for
the directors’ the directors’ the directors’
account account account

Invest your money 0,99% annually 0,99% annually N/A N/A N/A N/A N/A N/A
effortlessly with over the assets over the assets
Easy Investments5 under under
management management
(billed monthly) (billed monthly)

0,59% is charged by 0,59% is charged by

bunq, 0,40% by bunq, 0,40% by
Birdee Birdee

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)

5
We will deduct the total fee from your account each month, after which we transfer part of this fee to Birdee
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 Money Personal or 3 bunq
Easy Money Personal accounts and 1 bunq Easy Money
Business account

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

Enjoy bunq together by upgrading from a Easy Money Additional €10 per month (charged to the Easy Green
Business plan in the Pack to Easy Green Business 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 Money Personal/ Easy Green Personal accounts or 3 bunq Easy Money
Personal/ Easy Green Personal accounts and 1 bunq Easy Money Business/ Easy Green 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 Green Personal or Easy Green Business,
he/she will be charged only for the difference between Easy Money Personal and Easy Green Personal or between Easy Money Business and Easy Green Business fees. All
other charges will be invoiced normally.

By way of illustration, a bunq Easy Money 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 Money Personal or bunq Easy Money 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 Money Personal. Only three bunq cards are included in your bunq Easy
Money 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 network fee 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
[email protected]. 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.
This pricing applies to users who signed up before March 1 2024. From May 1 2024 this will be replaced with the updated
pricing from the previous pages.

Personal Business

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Maintaining the € 17.99 € 8.99 € 2.99 per month € 0.00 € 22.99 € 12.99 € 6.99 per month € 0.00
plan that makes per month per month (1 account per month per month (1 account
life easy and helps (25 accounts (25 accounts included) (25 accounts (25 accounts included)
you save time included) included) included) included)

Extra accounts € 19.00 € 19.00 € 19.00 € 19.00 € 21.00 € 21.00 € 21.00 € 21.00
(per 25 accounts) per month per month per month per month per month per month per month per month

Add extra directors N/A N/A N/A N/A First three First three Only one director Only one director
to your Business directors are free, directors are free, possible possible
account after that €4.99 per after that €4.99 per
director per month director per month

Receive 1.56% annually, paid 1.56% annually, paid 1.56% annually, paid 1.56% annually, paid 1.05% annually, 1.05% annually, 1.05% annually, 1.05% annually,
MassInterest6 weekly weekly weekly weekly paid weekly paid weekly paid weekly paid weekly

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

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

6
You will only accrue MassInterest over the first 100.000 in your savings account(s) per currency (EUR, USD, GBP) , paid on your billing account. See the applicable terms and conditions.
Payments

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Sending/receiving free free free Maximum of 2 € 0.13 € 0.13 € 0.13 € 0.13

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

Tap To Pay (iOS N/A N/A N/A N/A 1.5% of the amount 1.5% of the amount 1.5% of the amount 1.5% of the amount
only)

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

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

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

Receiving 2.5% 2.5% 2.5% N/A 2.5% + € 0.27 2.5% + € 0.27 2.5% + € 0.27 N/A
bunq.me
payments with
debit or credit card

Top up with debit 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards 0.5% for EEA cards
or credit card, or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA or 2.5% for non-EEA
whenever and cards cards cards cards cards cards cards cards
wherever it suits (first €500 free per (first €500 free per (first €500 free per (first €500 free per (first €500 free per (first €500 (first €500 (first €500 free per
you. month) month) month) month) month) free per month) free per month) month)
Top up with iDEAL, free free free free € 0.13 € 0.13 € 0.13 € 0.13
SOFORT, per top up per top up per top up per top up
Bancontact

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

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

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

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

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

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

Direct debits

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Cards

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

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

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

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

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

Creating €19.99 €19.99 N/A N/A €19.99 €19.99 N/A N/A

additional Virtual per month per month per month per month
Credit Cards7 per additional 26 per additional 26 per additional 26 per additional 26
cards cards cards cards

Ordering a €9.99 €9.99 €9.99 N/A €9.99 €9.99 €9.99 N/A

replacement card per card per card per card per card per card per card
(Mastercard/Maest (1 free replacement (1 free replacement (1 free replacement (1 free replacement
ro) per year) per year) per year) per year)

Ordering a free free free N/A free free free N/A

replacement for a

7
The invoice is due when passing the order of the first card outside of the ongoing invoiced card batch
 card that expires
within 3 months

Ordering a €89.99 €89.99 €89.99 N/A €89.99 €89.99 €89.99 N/A

replacement Metal per card per card per card per card per card per card
Card

Card payment The real The real 1,5% of the 1,5% of the The real The real 1,5% of the 1,5% of the
(in a foreign Mastercard Mastercard transaction transaction Mastercard Mastercard transaction transaction
currency) exchange rate + exchange rate + amount + 0,5% amount + 0,5% exchange rate + exchange rate + amount + 0,5% amount + 0,5%
0,5% (network fee) 0,5% (network fee) (network fee) (network fee) 0,5% (network fee) 0,5% (network fee) (network fee) (network fee)

Cash withdrawal8 First 6 withdrawals First 6 withdrawals First 5 withdrawals €2.99 First 6 withdrawals First 6 withdrawals First 5 withdrawals €2.99
per month are free, per month are free, per month are per month are free, per month are free, per month are
the five after are the five after are €0.99 each, the five after are the five after are €0.99 each,
€0.99. Thereafter, €0.99. Thereafter, thereafter €2.99 €0.99. Thereafter, €0.99. Thereafter, thereafter €2.99
€2.99 per €2.99 per each €2.99 per €2.99 per each
withdrawal withdrawal withdrawal withdrawal

Local Currencies

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Converting The Currency The Currency N/A N/A The Currency The Currency N/A N/A
currencies Cloud exchange Cloud exchange Cloud exchange Cloud exchange
rate + network fee rate + network fee rate + network fee rate + network fee
(0,5%) (0,5%) (0,5%) (0,5%)

Outgoing payment Transaction fee Transaction fee N/A N/A Transaction fee Transaction fee N/A N/A
from Local
Currencies
account9
(no conversion)

Outgoing payment Transaction fee + Transaction fee + N/A N/A Transaction fee + Transaction fee + N/A N/A

8
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%
network fee is added
9
The applicable transaction fee varies and depends on the type of payment and the currency involved. The transaction fees can be found below
 from Local 0,5% network fee 0,5% network fee 0,5% network fee 0,5% network fee
Currencies
account
(including
conversion)

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

Incoming payment Transaction fee + Transaction fee + N/A N/A Transaction fee + Transaction fee + N/A N/A
to Local Currencies 0,5% network fee 0,5% network fee 0,5% network fee 0,5% network fee
account
(including
conversion)

Attachments

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Receiving and free free free free €0.13 €0.13 €0.13 €0.13
sending per attachment per attachment per attachment per attachment
attachments

Invoice scan

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

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

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Bookkeeping free free N/A N/A €0.13 €0.13 N/A N/A

on-the-go by per note per note
adding notes (text
or images) to
payments

Exports

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Export of free free free free free free free free

transaction details
(digital only)

Automatically N/A N/A N/A N/A free free N/A N/A

send export
statements to your
bookkeeper
(digital only)

API

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Multiple Trade Names

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Zapier

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

Automate all your free (only for users free (only for users N/A N/A free free N/A N/A
finances with residing in the residing in the
Zapier Netherlands) Netherlands)

Extra features

bunq Easy bunq Easy bunq Easy Bank bunq Easy bunq Easy bunq Easy bunq Easy Bank bunq Easy
Green Personal Money Personal Personal Savings Green Business Money Business Business Savings
Personal Business

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

Gift your tree free N/A N/A N/A N/A N/A N/A N/A
planting to your
bestie
 Easily track your free free free free free free free N/A
group expenses
with Activities Only available for Only available for Only available for
the directors’ the directors’ the directors’
account account account

Invest your money 0,99% annually 0,99% annually N/A N/A N/A N/A N/A N/A
effortlessly with over the assets over the assets
Easy Investments10 under under
management management
(billed monthly) (billed monthly)

0,59% is charged by 0,59% is charged by

bunq, 0,40% by bunq, 0,40% by
Birdee Birdee

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)

10
We will deduct the total fee from your account each month, after which we transfer part of this fee to Birdee
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 €24.99 per month
partner(s): get 4 bunq Easy Money Personal or 3 bunq
Easy Money Personal accounts and 1 bunq Easy Money
Business account

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

Enjoy bunq together by upgrading from a Easy Money Additional €10 per month (charged to the Easy Green
Business plan in the Pack to Easy Green Business 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 Money Personal/ Easy Green Personal accounts or 3 bunq Easy Money
Personal/ Easy Green Personal accounts and 1 bunq Easy Money Business/ Easy Green 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 Green Personal or Easy Green Business,
he/she will be charged only for the difference between Easy Money Personal and Easy Green Personal or between Easy Money Business and Easy Green Business fees. All
other charges will be invoiced normally.

By way of illustration, a bunq Easy Money 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 Money Personal or bunq Easy Money 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 Money Personal. Only three bunq cards are included in your bunq Easy
Money 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 network fee 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
[email protected]. 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.