Bunq | Bank account without IBAN

Bunq is a mobile bank with a Dutch banking license. It is an independent bank whose main objective is to eliminate borders and other barriers that we usually find in traditional banking.

Customer assets are safe thanks to the Dutch Central Bankwhich guarantees up to 100,000 euros per account in the event of bankruptcy or any other circumstance that forces the premature closure of the financial platform.

Although it is a bank, as we have said, of Dutch origin, the truth is that it is available to citizens residing practically throughout Europe, including Spain. What makes it somewhat different from other banks is that, for example, transfers that usually take 1 to 3 business days in all banks, in Bunq are reduced to a breath, since they are almost instantaneous.

Bunq Important Features

Below I will espectáculo you some of the main features of Bunq, although I do not include it in these, we must add that we also have the option of direct depositing our payroll and receipts, something that not all fintechs allow today.

NAME	Bunq BV
ACCEPTED COUNTRIES	Euro zone
CARDS	Mastercard, Profesor
ATM WITHDRAWALS	Free
TRANSFERS	Free
OPERATING SYSTEMS	Android and iOS

Another interesting feature of Bunq is that if you want, you don’t have to give your account number when receiving a payment, since the application allows you to create a personalized backlink which acts as an IBAN.

Bunq Account Types

Within the application itself we have various types of accounts to choose from, depending on your needs as a customer of the bank itself.

premium account

It is a premium membership, where we are offered a 1-month trial completely free, after which its cost is €7.99 per month.

The advantages or services offered by this account are the following:

3 cards of your choice; Profesor, Mastercard and Travel Card.
Possibility of having up to 25 accounts with different IBANs, the IBAN would be Dutch.
Free withdrawals from ATMs around the world, up to 10 withdrawals per month.
0.27% interest on the cómputo you have in your account, up to a maximum of €10,000.
Goin-style coche save. If you pay, for example, €3.20, 80 cents will be applied to a savings account.
Notifications of any movement in your accounts in real time.
Advanced control of your money using only your voice.

joint account

Ideal joint account for 2 people, where we will have absolute control of what each of them perro see.

3 cards of your choice; Profesor, Mastercard and Travel Card.
Possibility of having up to 25 accounts with different IBANs, the IBAN would be Dutch.
Scan invoices with the aplicación.
Individual control of the money of each member of the account.
Notifications of any movement in your accounts in real time.

business account

The ideal account for business, whether you are a company or a small self-employed person, you have everything you need in this fantastic application.

For each incoming and outgoing payment, the correct VAT amount is calculated and transferred to your designated VAT sub-account.
Possibility of having up to 25 accounts with different IBANs, the IBAN would be Dutch.
Scan invoices with the aplicación.
Instant payments for employees.
Changes of card PINS instantly whenever you want.
Receive your notifications of your direct debits ahead of time so that you have the freedom to approve them or not.

Cards available at Bunq

How could it be otherwise, at Bunq we have several debit/credit cards that we are going to review below:

green card

The green card it is made of stainless steel and costs €99 a year. One of the many peculiarities of this card is that for every €100 you spend with it, a tree will be planted, thus contributing without realizing it to the maintenance of our forests.

Green Card

Green Card is a card that is valid for all banks, that is, you cánido use it as a customer of another bank, no matter what it is, you cánido recharge the card with the cómputo you have in your other bank instantly.

The card is contactless and is coincidente with Apple and Google plus Pay, and with it we will be able to withdraw money from any ATM in the world without paying a single cent of commission.

Travel Card

Travel Card is undoubtedly the best card to travel around the world, since you ensure a real exchange rate and no commissions of any kind.

Travel Card

The card has a cost of €9.99, this payment is only a single payment, then the card does not have any maintenance costs or commissions of any kind.

The Travel Card is a true Mastercard credit card, it is especially suitable for travel, for car rental, hotel reservations and perro even be used in sin conexión terminals such as airplanes or other places.

If you lose the card you perro cancel it immediately from the application itself, you cánido also enable Google plus Pay or Apple Pay payments.

You perro only spend the cómputo you have in your account, since by inspecting the cómputo in real time, you will never be in the red.

Earn money with Bunq

Bunq unlike other mobile banks, we will also have the opportunity to earn money with your own investments. As clients we perro choose the ámbito where we want our money to be invested, sectors that are divided into different categories.

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In addition to these investments, the application itself will grant us a small interest of 0.27% per year on the total cómputo that we have at all times in our account. It may not seem like much, but it is already more than what any bank offers us for having our money in it.

Final opinion on Bunq

Diversify your money, I know that part of our money is protected in any bank, but given the current times, it is worth taking extreme precautions.

Bunq is an excellent option, with its Travel Card, which is (the one I have), we have access to a bank account without any fees or commissions, where we also have absolute control at all times from the application itself.

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