Multi-currency account provider
bunq
Digital bank
A licensed European digital bank. Multi-currency features depend on the plan, and country availability matters. Listed for comparison.
At a glance
- Provider type
- European digital bank
- Legal status
- Digital bank
- Availability
- Supported European markets
- Account model
- Digital bank account
- Currency coverage
- Multi-currency and travel-oriented features, depending on the plan.
- Local details
- Not publicly stated.
- FX model
- FX and travel features depend on the plan. A conversion price is not published here.
- Minimum / eligibility
- Plan-dependent.
- Protection / safeguarding
- Licensed European bank. Country availability matters. Deposit protection depends on the entity and the country.
Is this a bank account?
Multi-currency services can look similar in an app while operating under different legal structures.
Legal status: Digital bank.
Licensed digital bank account.
bunq is described as a licensed European digital bank. Confirm which entity would serve your country of residence.
Who might use this account?
May be relevant to: Residents of supported European markets. That describes the published focus. It is not a view on whether this account is appropriate for you.
Where it is available
Residence can affect onboarding, the legal entity, the currencies you can use and whether a card is issued.
European-focused banking coverage.
Availability: Supported European markets. Confirm current eligibility with the provider.
Which currencies can you hold?
A currency you can transfer is not always a currency you can keep as a balance.
Not separately stated. Multi-currency features depend on the plan.
Multi-currency and travel-oriented features, depending on the plan.
Which currencies can you receive?
Receiving capability may depend on whether the provider gives you local or international account details.
Not separately stated.
Do you get local account details?
Not publicly stated.
Sending money internationally
Transfers are described.
Cards, transfers, FX and travel features, and app-based banking.
A transfer can involve your provider, a bank in the middle, and the recipient’s bank. A live price for those charges is not shown here.
How currency conversion is priced
The cost of a conversion can include the quoted rate, a provider fee, a spread, a plan allowance, a weekend or out-of-hours adjustment, and a correspondent-bank charge.
FX and travel features depend on the plan. A conversion price is not published here.
Spending from your currency balances
A multi-currency card may use an existing balance, or convert when the spending currency is not held. Confirm which of those applies.
Cards are described. Which balance is used is not separately stated.
Cards are described.
Receiving salary and regular income
Not publicly stated.
What does the account cost?
The total cost can include a monthly account fee, a plan fee, a conversion, a transfer, an incoming payment, a card, an ATM charge, a minimum-balance charge and a correspondent-bank charge.
Plan-dependent. Check the current tariff.
Plan-dependent.
Check the provider’s current tariff before opening an account.
How is customer money protected?
Bank deposit protection and payment or e-money safeguarding are different legal frameworks.
Licensed European bank. Country availability matters. Deposit protection depends on the entity and the country.
Protection depends on the legal entity serving you and the jurisdiction in which the account is provided.
Will it still work if you move?
The account may continue, the legal entity may change, some currencies or features may stop, the card may be restricted, or a new account may be required.
European-focused. Country availability matters. Continuity after a move is not publicly stated.
Questions to ask
Can residents of my country open this account?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Is this a bank account or a payment account?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Which legal entity serves me?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Which currencies can I hold?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Which currencies can I receive?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Do I receive local account details?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Can salary be paid into the account?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Can pensions be paid into it?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Can I send local payments?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Can I send SWIFT transfers?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
How is FX priced?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Are there monthly fees?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Are there minimum balance requirements?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
What card is provided?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
How does overseas card spending work?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
What ATM charges apply?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Which deposit protection or safeguarding regime applies?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Can I keep the account if I move?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Do features change after relocation?
Confirm the current answer with bunq. It depends on the legal entity, your residence and the product.
Sources and review
Information is based on publicly available provider information reviewed by WiT Access. Currency availability, fees, account eligibility and features can change. Reviewed 6 October 2026.
Request an introduction
This form asks WiT Access to pass an enquiry about bunq. It does not mean a formal introducer agreement is in place, and it is not a paid referral. It does not mean the provider can open an account where you live.