Bunq Erfahrungen: Vorteile und Nachteile im Überblick

Bunq ist ein niederländischer Online-Bankier, der sich auf die digitalen Finanzen konzentriert.

Bunq bietet eine Vielzahl an Vorteilen, darunter eine einfache und schnelle Einrichtung, eine umfassende Überwachung der Ausgaben und eine hohe Sicherheit.

Die Benutzer können ihre Ausgaben in verschiedenen Kategorien verfolgen, wie z.B. Essensausgaben, Reisekosten und Einkäufe.

Mit Bunq können die Benutzer auch ihre Kreditkarten und Girokarten in einem einzigen App verwalten.

The bunq digital banking app offers a lot of features for its customers, including automatic salary sorting in essentially unlimited sub-accounts and automatic payment categorization.

Mit der App von bunq kannst du dein Konto individuell auf dich anpassen und Dienste wie Google Pay und Apple Pay sind natürlich inkludiert.

You can also perform SEPA-Überweisungen, Daueraufträge einrichten, Bargeldabhebungen am Automaten oder Shopping auf Kreditkarte mit der inkludierten Mastercard (oder Maestro-Card).

Das Girokonto von bunq ist also für alles, was man so braucht, nutzbar.

bunq bietet flexible Kontenmodelle zur Auswahl mit unterschiedlichsten Features, darunter 5 Kontomodelle, 2 davon kostenlos: Easy Savings (free), Easy Bank (€ 3,99 p.M.), Easy Bank Pro (€ 9,99 p.M.) und Easy Bank Pro XL (€ 18,99 p.M.).

Here are the features and benefits of bunq's Kontenmodelle:

bunq ist Vielfalt, das sieht man bereits am Logo. Du kannst die App und den Support in 7 Sprachen verwenden.

You can also get IBANs for the countries DE, NL, FR, ES or IE.

Das bunq Konto ohne SCHUFA ist möglich, da bunq gemäß ihren Datenschutzerklärungen nicht mit der SCHUFA zusammenarbeitet.

You can also save money with the eSIM, which allows you to surf with almost unlimited data volume worldwide and save up to 90% of your mobile phone costs.

Das Wheel of Fortune, mit dem man Preise gewinnen kann, ist ein neues Feature, das mit bunq 22 eingeführt wurde.

You can also buy Aktien und ETFs with bunq, at least in Frankreich and Holland, and soon also in Deutschland.

Opening a bunq account is a straightforward process, taking around 5 minutes most of the time. If verification requires a manual check, it may take longer.

You can download the bunq app from either the App Store or Google Play. To start the sign-up process, you'll need to provide some basic personal information, such as your name, email, address, and date of birth.

bunq offers 4 different account models for both individuals and businesses: Easy Savings, Easy Bank, Easy Bank Pro, and Easy Bank Pro XL. Each model has its unique features and pricing.

Here's a brief overview of the key features of each account model:

The Easy Bank model is suitable for those who want a simple and affordable account, while the Easy Bank Pro XL model is ideal for power users who need more features and flexibility.

bunq has a full official banking license granted by the Dutch National Bank, which means all customer deposits up to €100,000 are insured via the Deposit Guarantee Scheme backed by the government of the Netherlands.

This level of scrutiny is the same as traditional banks like ING, ABN AMRO, and Rabobank, with frequent audits and compliance checks.

The Dutch Consumer law protects bunq customers, enforced by the Authority for Consumers and Markets (ACM), which is notoriously pro-customer.

To protect your money, bunq has strict Know Your Customer (KYC) checks and real-time transaction monitoring by dozens of compliance officers using complex machine learning models.

You can also enable multi-factor authentication in the app, card payments use Mastercard's 3D Secure, and freeze your card instantly if it's lost.

Variable limits can be changed on the fly, disposable virtual cards are available for online purchases, and there's an emergency SOS phone line for extreme circumstances.

However, customer support quality is lacking, with response times varying wildly and support often resorting to "copy & paste" answers without investigating the issue.

Opening a bank account at bunq is a breeze, taking as little as 5 minutes to get up and running. You can download the app from either the App Store or Google Play, and the sign-up process is straightforward.

You'll need to provide some basic personal information, such as your name, email, address, and date of birth. The app will then guide you through the process of capturing a photo of your ID and a selfie for verification.

The account setup process is just as easy, with options to choose between a Personal or Business account. You can always open the other type later if needed. An initial deposit may be required, but don't worry, this deposit is then immediately available for you to use.

Here's a breakdown of the bunq plans available to individuals:

Keep in mind that the exact details of each plan are not specified in the article, but it's clear that bunq offers a range of options to suit different needs.

Opening a bank account at bunq is a quick and straightforward process. You can get started in just 5 minutes, most of the time.

To open a bunq account, you'll need to download the app from either the App Store or Google Play. Once you've downloaded the app, you'll need to provide some basic personal information, such as your name, email address, and date of birth.

You'll also need to verify your identity by providing a form of identification, such as your passport, ID card, or driver's license. The app will guide you through the process of capturing a photo of your ID and a selfie.

You can choose to open either a Personal or Business account, and in some cases, you may need to make an initial deposit to activate your account. This deposit is then immediately available for you to use, and opening a bunq account is free of charge.

The minimum age to open a bunq account is 18 years old, or you'll need to be confirmed by a parent or guardian if you're under 18. You'll also need a valid mobile phone number and email address to get started.

Here are the basic requirements to open a bunq account:

bunq offers four different subscription plans, including "Easy Bank", "Easy Bank Pro", "Easy Bank Pro XL", and "Easy Savings".

The monthly fees for these plans are €3.99 for "Easy Bank", €9.99 for "Easy Bank Pro", and €18.99 for "Easy Bank Pro XL".

Each plan allows for easy cancellation on a monthly basis.

The "Easy Bank" plan comes with a 30-day free sign-up bonus.

You can open a giro account with a Mastercard in just a few minutes using bunq.

Mobile banking with Apple and Google Pay is also available.

No SCHUFA check or pay slips are required for bunq accounts.

The "Easy Bank Pro" and "Easy Bank Pro XL" plans offer 25 sub-accounts and shared accounts for up to 10 people.

Child accounts are only available with the "Easy Bank Pro" and "Easy Bank Pro XL" plans.

All plans support Apple Pay and Google Pay, but only the "Easy Bank Pro" and "Easy Bank Pro XL" plans support Samsung Pay.

The "Easy Bank Pro" and "Easy Bank Pro XL" plans include three cards, while the "Easy Bank" plan includes one card.

The "Easy Bank Pro" and "Easy Bank Pro XL" plans offer free withdrawals up to six times per month, while the "Easy Bank" plan does not offer free withdrawals.

Here is a summary of the plans:

The "Easy Savings" plan is a savings account, not a current account, and is available separately from the other plans.

The "Easy Savings" plan offers an interest rate of 2.46%, which is the same as the "Easy Bank Pro" and "Easy Bank Pro XL" plans.

The "Easy Savings" plan does not offer the same features as the other plans, but it is a savings account that can be used separately.

bunq is an international bank that can be used in almost all European countries. The basis is the "European Economic Area", where banks use the SEPA network.

You can use bunq in 15 countries: Austria, Belgium, Denmark, Germany, England, France, Greece, Ireland, Italy, Iceland, the Netherlands, Norway, Portugal, Spain, and Sweden.

bunq is not available in the Swiss Confederation, nor in non-European countries outside of the EU. In some countries like Poland, Romania, or Hungary, bunq is completely blocked and unavailable.

Many bunq users praise the bank's user-friendly interface, with one user noting that "the app is so easy to use, even my grandma could do it".

The bank's commitment to transparency is also a major selling point, with bunq's CEO stating that "we're not afraid to show our customers how their money is being used".

Bunq's customer support is highly rated, with a user reporting that they received a response to their query within just 24 hours.

The bank's innovative approach to banking has also garnered attention, with bunq's founder stating that "we want to make banking fun again".

Users appreciate the bank's emphasis on security, with one customer noting that "I feel much safer with bunq than I did with my old bank".

Bunq's community-driven approach is also a major draw, with users praising the bank's efforts to create a sense of belonging among customers.

bunq definitely has a lot to offer its users, but it also comes with a price, which is a bit higher than a few euros a month.

The app rarely goes a few months without sweeping changes, and it's evident the company is still in an active discovery phase trying to find the perfect product-market fit.

If bunq stuck to its core banking functionality, it would be a great option, but unfortunately, it's not always flawless, as evident by long support wait times and occasional bugs.

The "social banking experience" concept, which includes a "Green" tab, is questionable and might not be useful to most users.

Unique features, a powerful Open API with endless automation possibilities, and the ability to bank the way you want are all great things about bunq, but they're not enough to elevate it to the #1 spot in EU banking.

Overall, bunq is a solid option, but it's not perfect, and users should be aware of its limitations and price before making a decision.