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. bunq says prices, features and eligibility vary by country and legal form. 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 11 October 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 Business plan lets sole proprietors 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 11 October 2026). Free Business is for sole proprietors. |
|---|---|
| Transaction fees | Instant transactions cost 0.13 euro each on Free Business. Core includes 100 free a year, Pro 250 and Elite 500. Payment requests cost 0.27 euro each on every plan. |
| FX fees | Foreign currency transfers carry fees on Free Business and Core. Pro includes 5 free a month and Elite 10. Verify current terms with bunq. |
| Minimum deposit | No minimum balance stated for the business plans (as of 11 October 2026). |
| Multi currency | Yes. Multiple currencies are supported, with the range and any savings rates depending on the plan. |
| Integrations | Bookkeeping integrations, Zapier and an open API are listed. Availability differs by plan, so check the plan comparison with bunq. |
| Eligibility | Businesses and freelancers in the markets bunq serves. bunq says eligibility varies by country and legal form. 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 11 October 2026.
Visit bunq → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.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 11 October 2026. Confirm current terms with bunq before applying.