bunq is a Dutch licensed bank offering app based business accounts for companies and freelancers across much of the European Economic Area. Plans range from a free tier to paid tiers with more accounts, cards and included transactions.
- Who it suits
- Freelancers and small to medium companies based in the EEA that want a mobile first euro account with multi currency features.
- Broadly available in
- European Economic Area, with business eligibility focused on EU markets such as the Netherlands, Germany, France, Spain, Italy and Ireland. Verify your country with the provider.
- Headline monthly fee
- Free Business at 0 euro per month, paid plans from 7.99 euro per month
- Account type
- App based business current account with a euro IBAN
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
bunq is a mobile first bank headquartered in the Netherlands. It offers business accounts opened entirely through its app, with euro IBANs, physical and virtual cards, sub accounts and accounting integrations. The business range has four tiers as of 15 June 2026, so the monthly cost depends on how many accounts, cards and transactions you need.
Strengths
Fast app based onboarding, multiple sub accounts for organising money, included foreign exchange on higher plans and a genuine EU banking licence. The free tier lets eligible freelancers start at no monthly cost.
Limitations
Eligibility is centred on EEA residents and EU registered businesses, so it does not suit companies based outside that region. Included transactions are capped on lower plans and extra transactions carry a fee. Cash handling is limited compared with a high street bank.
Fees and features
| Monthly fee | Free Business 0 euro, Core 7.99 euro, Pro 13.99 euro, Elite 23.99 euro per month (as of 15 June 2026). |
|---|---|
| Transaction fees | Each plan includes a set number of transactions, then charges per extra transaction. Check the current plan sheet for your tier. |
| FX fees | Foreign exchange is included on higher plans; lower plans apply a conversion fee. Verify current terms with bunq. |
| Minimum deposit | No minimum balance stated for the business plans (as of 15 June 2026). |
| Multi currency | Yes. Multiple currencies are supported, with the range and any savings rates depending on the plan. |
| Integrations | Accounting integrations are available on paid plans. |
| Eligibility | EU or EEA registered businesses and freelancers, with beneficial owners typically resident in the EEA. Confirm your country and company type with the provider. |
Open a bunq business account
bunq serves business customers across much of the European Economic Area. Availability and plan pricing can vary by country, so check the bunq by country pages below for your market, then confirm current terms with the provider. Shown as of 15 June 2026.
Visit bunq →bunq by country
Questions about bunq
Is bunq a real bank?
How much does a bunq business account cost?
Which countries can open a bunq business account?
Does bunq support multiple currencies?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 15 June 2026. Confirm current terms with bunq before applying.