I highly recommend Bunq, especially because this is not the first time they have protected me in a situation like this! I almost got scammed for €165 by a non-government website while app... See more
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See what reviewers are saying
I’ve been a bunq customer for several years now, and my experience has been overwhelmingly positive. One thing that really impressed me was how bunq helped protect me from fraud. I was target... See more
Company replied
I wanted to open a savings account. I opened it and then was asked to pay 15 euros into this account. To my surprise this 15 euros ended up on a different Bunq account. I can’t find or reach anymore.... See more
Company replied
it is good to see that neobanks are rising, but not all digital banks deliver quality services. But bunq is different, founded by a visionary man - bunq offers many features. This not just some... See more
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Company details
Written by the company
bunq is a fully mobile bank designed to make managing your money simple, fast, and flexible. Whether you're traveling, saving, or sharing expenses, you stay in control with local IBANs, zero FX fees, and real-time notifications. Open an account in minutes, track your spending, set budgets, and even plant trees as you pay. With 24/7 human support and no hidden fees, we offer a transparent banking experience that fits your lifestyle. As an independent bank, we grow when you love using us. Join millions across Europe who already use bunq for smarter, greener, and more convenient everyday banking.
Contact info
Amsterdam, Netherlands
- support@bunq.com
- bunq.com
Breach of guidelines
I wanted to open a savings account
I wanted to open a savings account. I opened it and then was asked to pay 15 euros into this account. To my surprise this 15 euros ended up on a different Bunq account. I can’t find or reach anymore. The savings account is still zero euros. This is strange and means that it is not a free savings account, as Bunq claims. I will try to end the savings account. Hopeless app.
30 August 2026
Unprompted review
Reply from bunq
Hey! Thank you for your feedback. We want to clarify everything and make sure it is sorted for you.
The bunq Free plan includes one Bank Account and one Savings Account with no additional fees, so opening a Savings Account shouldn't have cost you anything. Our pricing is always transparent and available here: https://www.bunq.com/documents/pricing-sheet 📚
For the missing €15, processing times vary depending on the transfer type.
Please open an in-app payment investigation here: https://help.bunq.com/articles/how-can-i-open-an-in-app-payment-investigation 📚
Our team will review it within 5 business days.
For any further questions, reach out to our team directly at support@bunq.com 📩 We're here to help!
Roulette spins are a lie
29 August 2026
Unprompted review
Reply from bunq
Hey, Antonio!
Thanks for your feedback. We'd love to explain how the Wheel of Fortune works.
The Wheel rewards the first person to spin after a predefined winning time slot. The more you spin, the better your chances, and you can rack up extra spins by inviting friends.
You can learn more here: https://help.bunq.com/articles/win-your-payments-back 📚
If you think any of your payments should have earned spins but didn't, feel free to reach out at support@bunq.com 📩 and we'll take a look.
I’ve been a bunq customer for years
I’ve been a bunq customer for several years now, and my experience has been overwhelmingly positive.
One thing that really impressed me was how bunq helped protect me from fraud. I was targeted by a telephone scam, and someone attempted to take money from my account. Thanks to bunq’s security features and instant notifications, I was able to spot the activity immediately and quickly deny the charges before any real damage was done. That gave me a lot of confidence in the bank.
I also love how easy it is to keep track of my finances. The app gives a clear overview of my money, transfers are straightforward, and everything can be managed from my phone without the hassle of visiting a physical bank branch.
Another big plus is the customer service. Whenever I’ve had a question, I’ve been able to contact them directly through the app and receive a helpful response surprisingly quickly.
Overall, bunq has saved me time, made banking more convenient, and provided peace of mind when it comes to security. I’ve been a happy customer for years and would have no hesitation recommending bunq to friends, family, or anyone looking for a modern and reliable banking experience.
8 June 2026
Unprompted review
Reply from bunq
Hey, Michael! Thank you so much for taking the time to share this; reviews like yours genuinely make our day!
We're really glad our security features helped you catch that scam before any real damage was done, that's exactly what they're there for.
And knowing the app, transfers, and support have made your life easy over the years means a lot to us.
Thank you for your loyalty and for recommending bunq. Here's to many more years 🌈
Saved me from a mobile scam once again
I highly recommend Bunq, especially because this is not the first time they have protected me in a situation like this!
I almost got scammed for €165 by a non-government website while applying for a visa. Instead of the official ~€25 fee, they took €165 from my account.
I’ve realized that when you use your smartphone to book tickets or pay for services, it is so much harder to notice which website you are actually clicking. Google often proposes these rip-off scam websites right at the top of the list, and there are so many victims out there falling for this exact trap on their phones.
I honestly didn't count on getting this amount back, but I applied for a chargeback through Bunq. To my absolute joy, the money was back in my account within just a few days! Bunq once again protected my funds perfectly, proving why they are such a reliable bank.
My advice if you use Bunq:
Please create a dedicated credit card sub-account that you use for online payments, and transfer only the exact amount needed for the transaction right before you pay. I forgot to do it this time, but thanks to Bunq’s excellent protection, it ended well.
Thank you, Bunq!
10 August 2026
Unprompted review
Reply from bunq
Hey, Angelika!
Thank you so much for this wonderful review, and for taking the time to share your experience in such detail 🌈
We're really glad things worked out and that you got your money back.
Your tip about using a dedicated card sub-account for online payments is genuinely great advice that others could benefit from too. Thank you for passing it on!
Feedbacks like yours motivate us to keep going and improve our features 🚀
booking to my own account marked as suspicious and held for 24h
I've had a savings account with bunq for a couple of years.
Never had an issue with withdrawing money to my other account. (Notably that is also the account that most of the money came from)
Now I had a small emergency and my normal account is almost empty. So I wanted to book some money to it. (€1500)
It was suddenly marked as suspicious and keeping my money for 24h.
I have withdrawn similar amounts of money before. Only ever withdrew money to this account and suddenly there is an issue.
Customer support says: nothing we can do. You can disable all safety features in the future to prevent this.
I just want this one account that is in the same name, that is the only account it frequently interacts with to be able to withdraw a very normal amount of money within a short time.
I don't want to disable all safety features to do that.
20 August 2026
Unprompted review
Reply from bunq
Hey there! Thanks for sharing this, and we understand the frustration when a legitimate transfer to your own account gets flagged.
Our safety measures are there to protect you from fraud, but we recognize that transfers between your own accounts should be frictionless.
Please reach out at support@bunq.com with your account details, and our team can look into your situation and discuss options to help make future transfers smoother while keeping your account secure.
account blocked for AML for more than 3…
account blocked for AML for more than 3 months and this is ILLEGAL, whatever they say: that they obey the law, which they do not. No info request, just blocked and no response, avoid! Support not responding, totally scammers.
19 August 2026
Unprompted review
Reply from bunq
Hey! Thank you for reaching out. We understand how stressful it is to have your account restricted, and we genuinely want to help resolve this.
As a licensed bank, bunq is legally required under European banking regulations to monitor transactions and take action when compliance checks are triggered. These measures are never applied arbitrarily. They exist to protect both you and the wider banking community. If you have any pending events or document requests in the app, responding to these is the fastest way to move things forward.
We always aim to provide top-notch support. Please reach out directly at support@bunq.com with your account details, and we'll make sure your case receives the attention it deserves.
Hypocritical marketing hides…
Hypocritical marketing hides discriminatory practices
bunq's "bank of the free" branding and rainbow imagery are pure pinkwashing. In reality, they operate with zero transparency and enforce discriminatory policies. As an EU citizen working in West Africa, my account was suddenly closed for "suspicious activity" after sending money twice to my personal bank account in Cape Verde.
A bank that claims to champion freedom and global connection shouldn't punish customers for sending money to developing nations. Don't be fooled by their progressive PR—their actions speak louder than their slogans.
12 August 2026
Unprompted review
Reply from bunq
Hey there! Thank you for reaching out to us.
We understand how frustrating it is to have your account closed without clear explanation, especially when you're managing legitimate personal finances.
Rest assured we'll never close an account without good reason. As a regulated bank, we sometimes need to review unusual activity to keep everyone safe, but we hear that our communication wasn't what it should have been.
We'd genuinely like to look into what happened with your account. Please reach out at support@bunq.com, and our team will review your situation properly and give you the clarity you deserve.
Avoid this app
Guys, avoid their app. Total disaster. They will block you without any explanation. Just avoid. Save your money. Absolutely terrible experience 🤮
11 August 2026
Unprompted review
Reply from bunq
Hey there! We're sorry to hear about your experience.
Account restrictions are never meant to leave you in the dark, and they're usually the result of routine checks we're required to carry out as a bank to keep everyone's money safe. We'd genuinely like to look into what happened in your case and help where we can.
Please reach out to us at support@bunq.com and we'll do our best to get this sorted for you.
It is hard to get your money back
It is hard to get your money back. Terrible experience.
11 August 2026
Unprompted review
Reply from bunq
Hey, Luca! Thank you for your feedback. We're sorry to hear your experience didn't go as expected, and we'd like to help.
At bunq, your money is always our priority. Whether it's a payment under review, a chargeback request, or a remaining balance, we work hard to make sure funds are handled safely and returned as quickly as possible. In some cases, legal or security requirements may cause delays, but we always aim to keep you informed throughout the process.
We've already reached out to you here on Trustpilot to better understand your situation. You're also welcome to contact us directly at support@bunq.com 📩 We're here to help get this sorted.
Reply from bunq
Hey! Thanks for the review, and for sticking with bunq these past two years.
We're happy to hear it's been a smooth ride with no issues. Thank you for being part of bunq community 🌈
Buying and selling stocks costs four…
Buying and selling stocks costs four times more than with competitor R. I bought CAC 40 stock and they charged me €200 twice ( buying and selling). I did the same withR and only paid €83 (taxes France) at buying and no fees (first ten free with Metal plan). With basic plan three free transactions and after that 0.25% fees (I paid 2% to Bunq b/s).... Moreover they keep a significant part of dividends without transparence..
10 June 2026
Unprompted review
Reply from bunq
Hey, Bruno! Thank you for your feedback. As a regulated bank, we're always committed to full transparency on fees, and we want to make sure everything is clear.
Our service fee on trades depends on your plan: 1.99% on Free, 0.99% on Core, 0.49% on Pro, and 0.25% on Elite. These fees are always shown upfront before you confirm any transaction.
On top of the service fee, a spread also applies, which is the difference between the buy and sell price. This is standard across all trading platforms.
More information can be found here: https://help.bunq.com/articles/how-do-the-fees-and-spread-work-in-bunq-crypto 📚
On dividends, we'd love to look into this further to make sure everything is as transparent as it should be. Please reach out at support@bunq.com 📩 with the details, and our team will be happy to help.
FRAUD!
Bunq has very weird business policies! My law firm wired to my bunq account and I paid rent with the reference „rent August 26“ as well as Kindergarden invoices. First they inquired about the rent payment, even though reference was made in the wire order. Then they inquired about the incoming wire from the law firm and I had to bring a confirmation for that-which I did! Then they cancelled my wire order, booked them back and closed my account and informed me that I can only get to the remaining balance after one month! It seems rather fraudulent and as if they are willfully sitting on clients money and use these funds to show it as their deposit or for whatever purpose! ABSOLUTE FRAUD! I have filed a complaint with the Dutch bank regulators!
28 July 2026
Unprompted review
Reply from bunq
Hey, Gordon! Thank you for sharing this. We can only imagine how frustrating this experience has been, and we want to help.
Like all licensed banks, bunq is required by law to periodically verify account activity and request supporting documents. These checks aren't personal, and they're in place to keep everyone's money safe. Rest assured, we never close an account without a valid reason, and any remaining funds are always returned after the review period, which can take up to 30 days.
We've already reached out to you here on Trustpilot to locate your account and take a closer look at what happened. Please also feel free to reach out directly at support@bunq.com 📩
Chatbots rule Bunq
Application for a business account was a total unreal experience. Smooth talking chatbots running into loops 3 times or more, requesting the same information again and again. This is what the Brave New World looks like. Captured by technology, no human comes to rescue. Stay away while you still can!
23 July 2026
Unprompted review
Reply from bunq
Hey! Thank you for your feedback. We know how important it is to get your business up and running, and we'd love to help make that happen.
We’re sorry to hear about your experience with our support chat, as we're committed to providing the best support possible. While our AI assistants offer fast, 24/7 support, our expert teams are always ready to step in whenever needed.
Opening a bunq Business account requires a Personal account first, followed by KYC verification. Depending on your company's structure and country of registration, additional documents such as Chamber of Commerce details, UBO information, or Articles of Association may be needed.
Any document requests will come directly via in-app pending events; that's the fastest way to keep things moving.
More details here: https://help.bunq.com/articles/how-to-open-a-bunq-business-account
Feel free to email us at support@bunq.com; we're here to help!
Please never ever go with this Bank
Please never ever go with this Bank , Without any notification they blocked my account asking for further verification , I submitted my documents on same day and after 6 days I am still in dark , the bank is holding my hard earned money . i want to raise it as a crimal offense.
22 July 2026
Unprompted review
Reply from bunq
Hey! Thank you for reaching out. We understand how stressful it can be to have your account under review, and we appreciate your patience while we work through this.
At bunq, we closely monitor account activity to keep all our users safe. Account reviews are a necessary step to protect your money and data, and we never take them lightly.
Rest assured, our team is actively reviewing the documents you've submitted and will get back to you as quickly as possible.
In some cases, document reviews can take additional time, and funds may be held while the review is ongoing.
Please drop us a line at support@bunq.com so we can look into the status of your case directly.
Been using them for 1 month and have…
Been using them for 1 month and have nothing but problems. My mother in law sent me £200 that should have cleared instantly and 5 days later still nothing and they won’t just call the partner bank to trace the funds. They knew I have zero funds and no food but still cannot seem to fix a simple transaction!
Do not use this bank they are not ready
20 July 2026
Unprompted review
Reply from bunq
Hey, Stuart! Thank you for reaching out. We're sorry to hear about your experience and want to help clarify.
Sometimes incoming payments are placed under a brief review as part of our standard security checks to keep your money safe. These reviews are typically completed as quickly as possible, though in some cases they can take a little longer depending on the transaction.
For more details on your specific payment, please reach out at support@bunq.com. Our team will be happy to look into this for you.
bunq keep changing their statements and…
bunq keep changing their statements and reasons why i cannot withdraw my money. Their systems and support are useless. I did reach out as they suggested but service is 1/10. Took me 2 days to get money and another 1/2 days to close this useless account
19 July 2026
Unprompted review
Reply from bunq
Hi Mike, thank you for sharing your experience. We are sorry to hear about your frustration regarding your withdrawal and the communication from our team.
While we always try to make managing your money as seamless as possible, there are times when withdrawals may be temporarily held or reviewed to comply with regulatory security requirements. This can sometimes lead to varying updates or processing times as we perform the necessary safety checks to protect your funds.
Please reach out to us from your registered email address at support@bunq.com so our team can look into your account and provide you with an accurate update on your withdrawal status 📩
Great support
15 July 2026
Unprompted review
Reply from bunq
Hey Malchaz 👋 Thank you for your 5-star review!
We're happy to hear you're satisfied with our support!
Be careful, this seems like a total scam
I recommended this app to my father for his minimal eBay activities. The experience was devastating. Opening the account was relatively easy, But once the money from selling a designer mirror (private sell) arrived on the account, the trouble began. They demanded more and more personal information via an AI. Information that would usually only be relevant to the tax office. Income, bills for rent and side costs. Even when we got the AI to accept just a screenshot of the eBay sell and a copy of the eBay message, that the mirror has been payed via eBay and an extra picture of my father, who is 78 years old holding his ID beneath his face (humiliating) they still didn't accept that and closed the bank account yesterday. Now 3400,- € are stuck and my father and his wife need this money dearly. It will probably take weeks or months to get the money back, if at all. Be aware. Data collectors and fraud!
12 July 2026
Unprompted review
Reply from bunq
Hello, Jens! Thank you for sharing this. We're sorry to hear about your father's experience and want to help clarify what happens next.
bunq never closes an account without probable cause, and account security reviews are in place to protect all our users. While legal limitations may restrict the details we can share, we always aim to keep users informed throughout the process.
Due to legal requirements, there is a mandatory 30-day holding period before the remaining balance can be withdrawn. Once that period is over, he'll be able to open the bunq app and use the Withdraw option to transfer the funds to another bank account. The app will always display the real-time status and when the funds are available.
If he believes the account was wrongfully closed, our team will take another look with any additional information or supporting documents shared. Please reach out at support@bunq.com 📩 We're here to help.
It’s not really a “Free” business account
They say it’s a “Free” business account but you end up paying €0.13 per instant transaction. So if you are a small business or sole trader, Bunq will definitely not work for you. I’ve just closed my account because of this. Better to look elsewhere
1 July 2026
Unprompted review
Reply from bunq
Hey there! Thank you for your feedback. We want to make sure you have the full picture of how our pricing works.
Instant transfers on bunq business accounts are free up to a yearly limit, which varies by plan: 100 free transactions on the Free and Core plans, 250 on Pro, and 500 on Elite. The €0.13 fee applies only to outgoing instant payments that exceed the limit.
Our pricing is designed to be fair and transparent, you can always review the latest details here: https://www.bunq.com/documents/pricing-sheet 📚
If you'd like to explore which plan might work best for your business or have any outstanding questions, feel free to reach out via the in-app Support Center or at support@bunq.com 📩
No humans able to do their jobs available
Set up a "feature" that holds transfers for 24 hours in the name of safety. I needed to pay my car insurance immediately, and an AI claimed there was no way for even a human to override their safety feature. That's absurd.
A human can easily tell the difference between a real and time sensitive payment and potential fraud. Having a human review the payment before putting it through, possibly asking for evidence it isn't fraud, like checking IBANs to make sure they actually go to a legitimate service provider, would make sense here. The AI insisting even a human can't override that is absurd.
3 July 2026
Unprompted review
Reply from bunq
Hi Jane 👋
We completely understand how stressful it is to have an urgen car insurance delayed and we're sorry for the inconvenience this has caused you.
Our 24-hour payment hold is an automated security feature designed to act as a vital safety net against unauthorized transfers. We also hear your feedback regarding human overrides for these safety holds and will make sure our product team receives this.
We have reached out to you directly via Trustpilot to request more information. Please respond to our message with your details so we can look into your transaction and help resolve this as quickly as possible 🙏
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