“As a person who’s always on the go and doesn’t have the time to bother with the bureaucracy of opening local bank accounts, seeing that conversion rate fee in addition to the ATM fee, which often happens when dealing with traditional banks(even international ones) is not the most pleasant surprise.
Zero forex fees plus the travel insurance included in the elite plan makes it a good alternative to other online banks.
P.S. As I’m aware, other tiers also offer the zero fx fee option, so keep that in mind.”
“Il n'est pas surprenant que cette banque soit toujours sous les projecteurs, car elle offre tant d'avantages à ses clients et les gens en parlent en bien partout. Je n'ai pas pu m'empêcher de remarquer à quel point les rumeurs à leur sujet se répandaient rapidement et bien sûr, j'ai été intéressé à m'inscrire chez eux.
J'ai obtenu l'abonnement bunq ELITE gratuitement et c'est vraiment admirable de la part de bunq. Ça montre à quel point ils se soucient du confort de leurs clients. Ils ne courent pas après l'argent, mais cherchent avant tout à offrir des conditions favorables. Je pense que je vais rester ici sans hésitation !”
“Something to know is that YOU have to pay taxes, here. They don't pay taxes for you.
I get an interest rate on my local IBAN at bunq. Normally this kind of tax is deducted automatically by the banks by law. However, there is no Information of tax statement in my accounts, I noticed. So I found out and asked on reddits, and turns out, I have to be the one paying taxes on my income from bunq.
Earnings are very good, but this is a bit inconvenient. Still, for the higher interest percentage, its worth the inconvenience for me.
But I wish bunq did this automatically, or had a setting.”
“Many banks have different features or services that makes them stand out and it doesn’t matter what services they provide, that is all perfect if the customer service staff are great then it’s a waste. Here I have 24/7 Access to them and they are polite.”
“My budgeting skil grow since last year thankfully to bunq. I even set up spacial accounts for different expenses and it seemed to be a working system because now You can automuatically redistribute money from one source to a few other sources, and all again thankfully to bunq”
“Avec quelques améliorations, cela pourrait devenir une banque en ligne parfaite pour de nombreux utilisations, comme faciliter et rendre raisonnables les paiements à travers les frontières. Un point vraiment fort du service.👍”
“I dropped my jaw when I received the coolest banking plan without charge. I thought it was a prank or something like that when people were sharing in reviews their experiences that all of them got this plan for free.
I haven’t passed the verification process yet but already have this privilege. Nonetheless, navigation around my personal area was challenging, and perhaps it will take some time to adjust to it. In urgent situations, I always contact the support team via phone, and they’re really competent guys. I'm definitely staying here for a long time!”
“Redelijk positieve ervaring met het gebruik van deze bank. De meeste dingen zijn gemiddeld, niet uniek, maar toch van een hoog niveau, zoals budgettering en informatie over uitgaven.
Wat uniek is, is hun AI-assistent, mijn maatje Finn. En deze jongen maakt overuren😂 Hij kent alle informatie en geeft me zelfs tips over wat ik deze maand aan uitgaven had kunnen besparen. Als je me vraagt naar beleggen en aandelen, dan weet ik het niet zo goed. De Vegas plannen lijken erg risicovol en passen niet bij een bank. De eerste zijn wel oké als je weinig risico loopt, je geld zou hier veilig moeten zijn.”
“I travel a lot in many different countries and that’s why it was important for me to find a reliable and trustworthy bank. The bunq meets all my criterias and the fact that I don’t need to go to the offices to deal with financial questions was a key reason why I joined them.
The best function which I would like to highlight is the ZEROFX feature. Ya know it’s always challenging to exchange money in local exchanges and most of the time workers overestimate the exchange rates. So thanks to this feature I can exchange money at the best rates and get foreign currencies easily.”
“Funny story, how I first signed up with this app. I saw some guy in the cafe with his wife that shared the bill together through the one account I asked what app will make me sharing the expenses with my wife, it appeared to be joining banking functions of bunq. Now, I can control the expenses of my wife we can save money under the one banking account and share money. I like this split system.”
“Hab mir bunq vor einigen Monaten heruntergeladen und bin so zufrieden, dass ich meine Freunde damit angesteckt habe :) Finde es mega dass der Kunderservice in vielen Sprachen verfügbar ist, egal ob Chat, Email oder am Telefon. Viele Online-Banken haben nur auf English. Die Mitarbeiter konnten mir schnell bei der Verifizierung für Girokonto weiterhelfen und haben mein feedback angenommen 👏”
“I moved from the Bunq free plan to the pro and I would say I am very happy I made that decision, the monthly subscription doesn’t feel like a big deal to me because of all the tools available and in the long run I am the one gaining from saving interest and money management tools. I have recommended this application to my friends and family and I can’t wait to get their reviews but before then it’s definitely worth the try!”
“Ik durf te wedden dat bunq niet slecht is... het zijn mensen die echt begrijpen hoe vervelend bankieren kan zijn. Het is alsof iemand heeft gezegd: Wat als bankieren..., maar daar wordt niet gehuild, zo goed zijn ze. Ik verwacht bijna wat tovenarij in het proces dat ze gebruiken om zo effectief te zijn. Dit is de makkelijkste manier ooit om zulke leuke en coole budgetten te hebben. Bunq, weet je zeker dat het de bank is aan wie ik dit bericht schrijf of aan de financier van mijn dromen? Vijf sterren voor de magie!”
“I’ll start with being positive… 0.5% conversion fees on foreign currencies is a great offering! ZeroFX rules!. But bunq is not without issues, and it is mostly about support responses. Waiting time could be shorter, as well as the time of delivery of reply that really addresses the issue. Hope you guys willt ake time to read it.”
“I didn`t believe that some features, bunq provides, can be really charge free. I mean at the ordinary banks, where you need to pay some money for cash withdrawals, money transfers, or if you want to open a card. So, here is a little not like this, because you pay a subscription in order to benefit from this commission's free banking. But, if calculating the monthly charges on the subscription, paying 10euros seems to be much more reasonable, to use good exchange rates abroad and few free atm withdrawals per month. I wish they add this to the free plan, but it`s too much to ask for this.”
“As a non-citizen (don't ask) this was the only bank that offered me to be able to register. All I really needed was a residency in the country it offers the service, and a general passport, I didn't have drivers' license and wasn't a citizen but it allowed me to register and didn't kick me out, and even send me a card to my address. I will be forever greateflul to Bunq for this and even if I get a job where they force me to use the bank they want, I will still send money from that to here.
The rate of savings going down isn't fun but it was the only bank that worked for me.”
“Bunq is as interesting bank and great alternative to many neobanks on the market right now. I have tried its competitors but wasn't really satisfied. In fact, i can't state that it's an excellent bank either, still it offers much more appealing conditions, plans, insurance, full-fledged protection and all that. I believe these are those things which make it competitive! WKeep working on it!”
“it is free to send and receive money, aside from the payments SEPA and SWIFT needs. Especially vs other bunq customers, any amounts, and the QR-codes help a lot too.
That is good.
On the other hand, there exists top -up fees, so when I need to add money to my account, it takes 0.5% (for non-EEA countries is 2.5 afaik).
So its easy to choose: what do you do more, top-up or send/receive. If first, bunq is best, if second, there are options.
That's my view on this, hope my review was helpful in this.”
“Gotta swear, I didn`t ever consider doing all my financial transactions via mobile banking app. But, times change, so to be more flexible and for the sake of convenience, I subscribed to bunq. I`m glad that the functionality is almost the same as usual physical banks provide, of course some features need to be improved, but for the digital bank, very decent service, they offer, unquestionably.”
