bunq Business Easy Business
A plan bybunq Business
bunq Business is a fully licensed Dutch bank, with deposit guarantee up to €100K, zero-FX on the Elite plan and up to 25 sub-accounts. The free tier is limited to sole proprietors, while plans for incorporated companies come at a higher cost.
Easy Business
- Price
- €8
- Issuance fee
- Free
- FX markup
- 0.5%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 5 prelievi/mese a €0.99, poi €2.99 (limite €1.000/giorno)
- Net annual cost
- €96
What's included
- IBAN olandese
- 2 sub-account
- Multi-currency
Data & conditions
| Account fee | €8 |
|---|---|
| IBAN | dedicato · NL |
| Multi-currency | Yes · 18 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | €0 |
| Interest on balance | 0.75% |
| ATM withdrawal | Free |
| Free ATM limit | 5 prelievi/mese a €0.99, poi €2.99 (limite €1.000/giorno) |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 30+ countries |
| Regulator | DNB, AFM |
| OAM Italy registration | Yes |
| Segment | B2B |
| MiCA / License status | Full Banking License |
Strengths
- true bank olandese; deposit guarantee €100K; ZeroFX on Elite; 25 sub-account.
- No notable sovereignty advantage documented.
Weaknesses
- Free only for sole proprietors; plans GmbH/Ltd expensive.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
bunq Business is a fully licensed Dutch bank, with deposit guarantee up to €100K, zero-FX on the Elite plan and up to 25 sub-accounts. The free tier is limited to sole proprietors, while plans for incorporated companies come at a higher cost.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is bunq Business a real bank?
bunq Business operates under a Full Banking License licence (NL). It is regulated by DNB, AFM. Fund protection: DGS €100k.
Can I send transfers to third-party IBANs with bunq Business?
Yes, bunq Business allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does bunq Business support direct debits and utility billing?
SEPA direct debit (SDD): supported. Utility-bill domiciliation: supported.
Which fiat currencies does bunq Business support?
bunq Business supports 18 fiat currencies. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from bunq Business?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Trust & safety · +6 Data verified on Jun 15, 2026
- help.bunq.com Plans & pricing · Savings interest Data verified on Jun 15, 2026
- statrys.com Plans & pricing · SEPA fee · SWIFT fee · On-chain crypto withdrawals Data verified on Jun 15, 2026
- tech.eu Investors Data verified on Jun 15, 2026
Show 6 more sources
- dnb.nl Regulatory framework Data verified on Jun 14, 2026
- fintechcompass.net Plans & pricing Data verified on Jun 14, 2026
- paylobby.de Plans & pricing Data verified on Jun 14, 2026
- techcrunch.com Issuer Data verified on Jun 14, 2026
- techfundingnews.com Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026