bunq for business in Germany: Available
- Key eligibility
- A legitimate business registered in Germany whose director is an adult, with a verified personal bunq account, where the applicant lives permanently in the European Economic Area. Accepted legal forms include Einzelunternehmen, Eingetragener Kaufmann, Freiberufler and Gewerbetreibender, plus GmbH and UG (haftungsbeschraenkt).
- Non resident position
- The applicant must live permanently in the European Economic Area and the business must be registered in Germany. People resident outside the EEA are generally not onboarded, so confirm with bunq.
- Local currency support
- EUR with a German DE IBAN and SEPA access, plus the ability to hold and convert other currencies in app.
- Headline monthly fee
- A free business plan exists for eligible sole trader legal forms, with paid business plans above it. Confirm the current monthly prices with the provider.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Does bunq serve business customers in Germany?
Yes. bunq is a neobank with a European banking licence that offers business accounts across the European Economic Area, and Germany is one of its supported markets. A business registered in Germany can open an account from the app and receive a German DE IBAN, which makes the account reachable for local euro payments through SEPA. bunq publishes a dedicated set of accepted German legal forms, and onboarding requires the applicant to hold a verified personal bunq account first. As of 18 November 2025.
Eligibility for businesses in Germany
To open a bunq business account from Germany you need a legitimate business registered in Germany, a director who is an adult, a verified personal bunq account and permanent residence in the European Economic Area. The free business plan is offered for the Einzelunternehmen, Eingetragener Kaufmann, Freiberufler and Gewerbetreibender legal forms, and bunq also accepts company forms such as GmbH and UG (haftungsbeschraenkt). You provide your tax identification number, company details such as legal form and registration number, and a European business address. Verify with the provider
What it costs locally
bunq offers a free business plan for eligible sole trader legal forms and paid business plans above it that add cards, sub accounts and other features for a monthly price. Currency conversion and certain transactions carry fees, and limits on free actions vary by plan. Because plan names and prices change, confirm the current schedule with bunq before relying on any figure. As of 18 November 2025
What local users report
Businesses in Germany use bunq mainly for app based banking, fast onboarding and features such as multiple sub accounts and shared cards. Reported experiences vary, with common themes being the smartphone first setup, the range of plan tiers and support handled through the app. As of 18 November 2025, confirm the current position with the provider before relying on it.
How to open bunq for business in Germany
- Download the bunq app and create a verified personal account, then confirm your permanent European Economic Area residence.
- Start the business application with your German business details, legal form, registration number and tax identification number.
- Once approved, activate your German DE IBAN business account and choose a plan that fits your needs.
Questions about bunq in Germany
Is bunq available for business in Germany?
Who can open a bunq business account in Germany?
Does bunq give a German IBAN?
How much does a bunq business account cost in Germany?
Availability, fees, and eligibility change. This page was last reviewed on 18 November 2025. Confirm the current position with bunq before applying.