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Mobile banking made easy: budget, spend, save and invest—all from just one app
By Mei-Lin Chua
Contributing editor, apps and storefronts
bunq is a mobile banking app that covers personal accounts, savings, investing and business payments in one place. The listing positions it for people moving abroad, people running a business and families who want to manage money together.
The developer says an account can be opened in about 5 minutes, and that new users can start a 30-day free trial. Plans are described as bunq Free at €0 a month and bunq Core at €3.99 a month.
The build we hold is bunq 32.4.1 (APK) for Android 10 and up.
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The savings account pays interest weekly. The listing advertises rates of up to 3.11%. On the Free plan, savings held in USD and GBP are listed at 3.51% interest.
Savings sit alongside the current accounts in the same app, so money can be moved between them without leaving bunq.
The Free plan includes up to 3 bank accounts and one digital card that works with Google Pay. Payments can be scheduled in advance, and the AutoAccept setting handles incoming requests automatically.
Core is the paid tier at €3.99 a month, and the listing describes it as a bank account for everyday use.
The app lets users invest in stocks from within the banking app. Buying and selling cryptocurrencies is offered in the EEA only.
Both features sit in the same app as the savings and spending accounts, so the money used for trading is held alongside the rest of the balance.
An eSIM from bunq is offered for travel data. The listing claims it can save up to 90% on roaming costs.
For businesses, Tap to Pay accepts contactless payments on the phone, and the app connects to more than 50 bookkeeping tools.