bunq 

The app is very easy to use once you have passed the identity check. The help desk is friendly, customer-oriented and available 24/7.

I'm trying to switch service from my ING n it's rejected cause they said it's not my name in the ING account... But how can I tell you guys its my name... I've been using ING for almost 4 years now n i never had this issue...

I was a true fan of Bunq 1-2 years ago; however, Im moving away for three major reasons.

First) The perks and services are not reliable and stable. I can't rely on features/perks of Bunq. It was always nice that Bunq was keeping things exciting by introducing new features and perks; however, these days, usually the good perks wont last and I can't rely on it. For instance, one day they bring cashback on card payments program, but soon they remove it. This is one out of many other examples

Second) The nightmare customer support. ABSOLUTE nightmare. Both Finn and even the claimed human customer support are too generic. They write tens of long messages without properly focusing on what you are asking. Its as if you are talking to a chatbot and the chatbot's opinion is formed by what you have mentioned.

Third) This is the most strange one! They say I am not allowed to transfer money from my Bunq account to another personal/saving account IN MY OWN NAME. I asked for confirmation both from their AI, and the "acclaimed human support" and both emphasised that Im not allowed to send money to my other personal accounts and money should be spent mainly within the Bunq account!! Frankly, they refer to their chapter 10.2 of their ToS but I dont see anything about prohibition of transfer to other accounts in your OWN name. (Their fun AI hallucinating)

This is an appalling bank. I recently changed my phone and lost access to my account. I need funds urgently but Bunq had no escalation to a human. Just an AI chatbot who promises the case has been escalated but no one gets back to you, no reference number is provided even when it is asked for and there is no ability to speak to an actual person. I will be closing my account as soon as possible. Beware of dealing with them - surely a sanction from the regulator cannot be far away.

This has since been resolved but the overall experience was deeply disappointing.

Had a great experience until they placed a 'safety mode' due to me receiving €1k from a person that was already sending amounts every month (shared expenses), while my overall monthly transaction amount was much higher including legitimate sources of income. And then they suggest me what to use the bank account for (not transactions 'between parties' but for paying bills, groceries, and saving money). A bank that says you how to use your money. Ridiculous!

Quitting and never getting back after years of being a loyal customer.

My account with bunq was locked in March. Since then, the bank has been unlawfully withholding my remaining balance without any legitimate legal grounds, completely ignoring the standard compliance deadlines. Customer support provides zero human interaction, only automated bot replies. I have officially escalated this misconduct to Kifid (Case registered) and De Nederlandsche Bank (DNB). I demand bunq to stop ghosting and immediately release my life savings to my alternative IBAN.

Stay away from these guys or at least make sure you read the fine print - When you sign up, what you won't realise is that you're being signed up to BUNQ Elite for a 'free trial' - which carries a cost of 18.99 Euros per month and they don't remind you when your free trial is up - so you just get billed. When I realised, I immediately switched to the free version and asked for a refund which they did. One month later, I get billed again. This time the support people said (conveniently) that it's their policy to only allow one refund even though they fully admitted that this was their fault - that the original switch had not gone through. The support person then lied to me about being able to escalate it - they said they would and then didn't come through on it and they were incredibly patronising and kept telling me that even though they were ripping me off, 'the good news' was that my account has been switched to the free version so I won't get charged (wrongly) again. Unbelievable - feels like a scam.

Possibly this is a good bank for some people, but my experience was unpleasant.

I saw on the website that I could register a business account. Since this is a bank based in the EU, I assumed that living in Finland would not be a problem. However, neither before registration nor during the registration process was I warned that the service I needed was unavailable. Only after I had already spent my time did I find out that bunq does not open business accounts for customers in Finland.

I accepted that and simply deleted the app. Then, a month later, I received an email saying that I would be charged around €20 the next day because bunq had subscribed me to the paid Elite Plan without my consent.

I do not need your paid plan. You had already wasted my time and only informed me at the very end that you do not provide the service I needed.

To avoid being charged, I had to waste even more of my time: reinstall the app, recover various access codes, and spend about an hour dealing with everything just to close an account that I never needed in the first place, since the service I required is unavailable — something bunq does not clearly warn users about anywhere.

Bonjour,
BUNQ a fermé mon compte, c'est juste pourquoi je suis né à Moscou. C'est à Moscou que mes parents ont travaillé en 1997, c'est là que je suis né. Je suis titulaire d'un titre de séjour français et je réside dans l'Union européenne depuis 2012. Je ne suis pas une citoyenne de la Russie. Il n'y a aucune raison valable pour cette paranoïa. Ce n'est pas une banque libre, c'est une banque de racistes paranoïaques.
Cordialement ,
Deniz ENDAM

You answered as it has to be in a normal bank . What you did was completely different . Although I'm not a Russian citizen, I have valid long term residency permit in France , I have a legal work which I provided all the documents demanded , you closed my account without any notice only because my place of birth is Moscow , which I didn't choose myself . Shame on you. You don't even check anything else . You are making advertisement as Bank of the free. Ridiculous . You are bank of the freaks .

I signed up for a free account but was repeated put on 'elite' account (without my knowledge) and then charged 18,99 euros a month for it.
I asked for a refund and to be put on the free account. They did this, but then 4 weeks later I was charged 18,99 again - no email, not warning. I told them again this was in error and they told me they were unfortunately unable to refund me. I was incredulous.
The did the same thing to my friend who signed up so we could have a joint account. He kept cancelling, changing to the free account only to be told he was on the 'elite' subscription and charged 18,99.

They look good and easy to use, but they will use every opportunity to charge you money. Use one of the other million online banks and save your time and money.

This is the most useless so called bank there is. The operate after their own made up rules and dont listen to their customers at all. Stay away from these thiefs because they can do whatever they want with someone else's money.
They are obviously owned by criminals as they work as a criminal company.
Dont listen to their excuses because it's all false.
So this bank is a major NO to anyone thats thinking of a bank somewhere

ILLEGAL RETENTION OF FUNDS! Bunq ruined my vacation and held my money hostage for 3 weeks!
Absolute nightmare and complete financial misconduct! If you value your money and your mental health, STAY AWAY from Bunq.
Since April 29th, this so-called "bank" has been illegally holding my funds. I explicitly told them on day one: if you cannot credit the money to my account, return it immediately. Instead, they ignored me, locked my money in their system, and starved me of my own funds for THREE WEEKS, completely ruining my vacation and causing extreme emotional distress.
For 21 days, I had to fight their useless support system every single day. All I received were automated, copy-pasted, empty promises while they held my money hostage. Only after I literally had to scream in their SOS support did a human being finally respond to tell me they are "arranging a return."
This is unacceptable. Holding a client's money for nearly a month without valid legal reasons is theft. Your "priority processing" after 3 weeks of ghosting is a joke.
I will be filing official complaints with De Nederlandsche Bank (DNB) and Kifid. You are untrustworthy, unprofessional, and a disgrace to the fintech industry. Give me my money back immediately!

@bunq, her is the reply to your comment:

Bunq, I have already been 'reaching out' to your support for over 30 days. Your automated systems have ignored my urgent requests, provided conflicting information, and held my funds hostage for nearly a month. I am not going to repeat this process via email just to receive more copy-pasted bot responses. My case is currently being handled by KiFid (Case #93655) and has been escalated to the Dutch Central Bank (DNB). If you are serious about resolving this, have a human agent with decision-making authority review my existing case, not your support queue. I am waiting for the outcome of the official regulatory investigation.

Its a good app the reason i got it was it offered a credit card (even tough it acts like a debit card) renting a car with a cc is easier.

I moved all my banking to bunq as its given me 3 ibans one for business one for vat and one for current account.

They need new card colours however!

Promised a 5-minute account opening. What actually happened: I submitted my EU passport, waited 48 hours, got rejected. Submitted another government document, waited 48 hours, rejected again. Sent personal bills an again same thing. Every rejection came with zero explanation and a fresh 48-hour wait. The chat support crashed with technical errors on top of it all many times.
I eventually asked them to delete my data and stop the proces. If this is how they handle a simple account opening, I wouldn't trust them with a single cent of my money. A bank that can't get basic onboarding right has no business holding anyone's savings. I'll never go near them again.

Great stuff, I am very satisfied.
I got also wise and these 2 subjects cooperate very well.❤️❤️

Nothing to complane… everything works just fine..

Hi,
I tried to reopen my account but it got rejected for no reason.
If no answer received from a human being, I will need to report this to governance body.

To reply: no human support from support email.
I have made snapshot to report to governance, you are definitely scamming.

My account was blocked with no reason and update from a human being!
I need to reopen account to manage the company account. now it is impossible to do it.

I really wish I had read the reviews before opening an account with bunq.

Recently, I went to the police station to report a scam, and even the officers advised me to reconsider banking with them due to the number of fraud-related cases associated with their platform. That alone was concerning.

What’s been even more frustrating is how my case has been handled. I was initially assured that the situation would be looked into, but when I followed up with customer support, I was told the case appeared to be closed without anyone ever updating me.

At one point, I was informed that since the scammer hadn’t yet claimed the money, there might still be a chance to act, pending some documents. I raised the concern that once the scammer accepts the funds, it would likely be too late and unfortunately, that’s exactly what happened. After checking again a few days later, I was simply told that nothing could be done.

Customer service has had little to no visibility into my case, and responses take an unreasonably long time. Overall, the lack of communication, urgency, and accountability has been extremely disappointing, especially in a situation involving fraud.

At this point, I’m just waiting for their final response so I can close my account. I’ve been scammed, and it feels like the bank has done nothing meaningful to support me through it.

Deductions can be made from your bunq anytime and the will do nothing about it keep your money safe and don’t use bunq