Bunq Easy Bank
# Digital Banks


Faith Boluwatife


Faith Boluwatife

alex manea


Alex Manea

Quality checked

Is Bunq Easy Bank a Good Choice for You?

In this article, we'll review the features, fees, and fundamentals of Bunq Easy Bank, one of the plans available to Bunq users. This will help you decide whether it is a fitting choice for your digital banking needs.

What Is Bunq Easy Bank?

Bunq Easy Bank is a plan for users of the Bunq digital bank. Bunq is popularly acclaimed to be "the bank of the free," and it's obvious why.

Signing up for an account on Easy Bank is quick, efficient, and erases the tedious administrative processes that accompany physical banks. Users get a free 30-day trial period to use and access the plan to see if it is the right fit for them. If you don't like it, you can switch plans at any time.

You also get complete freedom to use and control your Easy Bank cards right from your app. On the Easy Bank plan, you can open Bunq Joint accounts where you can share your account with up to 10 people—perfect for couples, college roommates, or siblings.

Bunq Easy Bank is an efficient alternative to other virtual banks like N26 (read our N26 review to find out more about this digital bank.)

To get on the Easy Bank plan, follow these steps:

  • Visit your Profile, and then your Settings
  • Click on My Plan
  • Go to Switch Plan and select Easy Bank

Other Bunq Accounts

Bunq has various plans that you can choose from. This is essential because you can choose the most convenient one for you if you don't go with the Easy Bank plan, and still enjoy the benefits of the digital bank.

Here are some of the bank plans you can choose from with Bunq.

Bunq Easy Money

Easy Money is one of the most popular plans for Bunq users because of the digital freedom it gives. You can transact like a local in about 16 countries on this plan because you can hold countless currencies right from the app. 

You can easily manage your spending with its many sub-accounts and multiple IBANs. Easy money investments also help you invest your spare change so your money can grow effortlessly.

Bunq Easy Green

Bunq commits to contributing to climate change and makes allowances for users who would like to join this goal. Easy Green is a plan that enables customers to reduce CO2 as they make daily transactions. 

It is a sustainable bank account that helps you stay plastic-free by giving you a metal card instead. It also provides a payment sorter that helps you stay on track with your spending, so your budget is sustainable. 

You can invest in planet-friendly investments through the Easy Green plan.

Bunq Easy Savings

This is a free savings account for any user who signs up to use Bunq. It's a great choice because of the high-interest fees (0.09%) you enjoy at no charge. 

Interests come in every month, unlike with other banks. On Easy Savings, there is no minimum deposit, and you can withdraw your money whenever you wish.  

Bunq Easy Bank vs. Easy Money

Many users like to weigh the benefits of Bunq Easy Bank vs. Easy Money. One major difference between Easy Bank and Easy Money is the fees. On a Personal Easy Bank account, you pay about €2.99/month, while on Easy Money, you pay €8.99/month.

Easy Bank gives you a regular digital bank account in 5 minutes. With this account, you can get an NL, DE, ES, or FR IBAN. Easy Bank is your typical digital bank account with the right features to meet your financial transaction needs. 

On the other hand, Easy Money gives you access to various extra features in addition to the ones from the Easy Bank plan. You get to hold up to 16 different currencies (helping you save more when you travel), enjoy automatic saving and investment, and get up to 25 free sub-accounts. 

Benefits of Bunq Easy Bank

Bunq Easy Bank means numerous benefits for users. Some of them include the following:

Quick and Easy Registration

You can get a functional Bunq Easy Bank account in as little as 5 minutes. What's more, you don't need a BSN (citizens service number, 'burgerservicenummer') when making an account. You have up to 90 days to include that in your account details, which is useful if you're new to the Netherlands and haven't been assigned one. 

Bunq Easy Bank plan eliminates the administrative worries of setting up a bank account. The Bunq app, your email, phone number, and full name are all you need to begin the short registration process.

Safe to Use

Bunq has set up protective measures to ensure that your money stays protected no matter the plan you're on. Firstly, Bunq protects up to €100,000 of your money using the Deposit Guarantee Scheme of the Dutch National Bank.

Secondly, you can decide whether your cards come with a visible CVC code (the 3-digit code usually found on cards to authorize transactions) or not. Bunq gives you the option to store the code only on your bank app. So even if your card is stolen, your money stays safe. 

Bunq also has other security features like 3D secure payments, Biometric ID, and instant push notifications to stay up to date on what's going on in your account.

Free Offers Abound

You enjoy so many things for free when you use the Easy Bank plan. For instance, you can get one free physical plastic card when you sign up for the plan. However, you don't need to get the cards to start transacting. Once you sign up, you can start making payments via Apple and Google Pay.

You have access to different IBANs (International Bank Account Numbers) which means you can spend in the local currency of the European country you are in without paying charges for currency conversion. This feature allows you to spend and save even when you travel. 

Faster Transactions

On this plan, payments are instant and quick. You also have a variety of ways to send money to family and friends or pay for goods and services. You can schedule transactions or payments on the app. You can also transfer all your subscriptions to your Easy Bank account automatically. 

You can split receipts with other bank account users or make payment requests. You can also auto-accept payments, so you never lose your money.

When Should You Use Bunq Easy Bank?

Bunq Easy Bank is the mobile bank that goes with you wherever your phone is. It makes banking easy for users who travel frequently or live their life on the go with the various IBANs available to them. 

Easy Bank is the go-to alternative if you're tired of the unending, restrictive processes accompanying physical banks. With your phone in hand and your cards in your purse or wallet, you are ready to take on any financial need you have.

You should use Bunq Easy Bank when you travel around Europe and even overseas. Bunq is functional in ATMs worldwide, so you're not likely to be stranded.

Bunq Easy Bank Fees

Using the Bunq Easy Bank plan means you have to pay monthly subscription fees to enjoy its features. The only free-to-use plan on Bunq is the Easy Savings plan. There are also some other fees to pay when you make transactions. We will highlight them below:

The Bunq Easy Bank monthly subscription fee is €2.99 for a personal account. If you're on a Business account, you pay €4.99.

In comparison, the Easy Money plan fee is €8.99, while Easy Green, the most expensive, costs €17.99. 

The Credit Card fee for foreign cash withdrawal is €0.99 for the first five transactions, and it goes up to €2.99 after you exceed that limit. Making card payments in Euro is free. However, the Travel card costs €9.99 for yearly replacement.

Bunq Easy Bank Cards

There are different physical Bunq cards—the Travel card, Maestro Card, and the Metal or Green card. 

Bunq Maestro card is widely accepted in Europe, especially in the Netherlands or Belgium. It's great for in-store shopping or paying for train or bus rides.

Bunq Travel card is a Mastercard that's great for use worldwide, especially if you travel frequently. It comes in credit card or business card options. 

The Green/Metal card is an environmentally-friendly alternative to plastic cards. It's accessible to users on the Easy Money and Easy Green plans.

Bunq Easy Bank plan does not, however, have Digicards for website purchases or online shopping. It is only available on the Easy Money and Easy Green plans. Thankfully, you don't have to use a Digicard before you can transact from the app. 


Bunq Easy Bank is proving to users every day that the future of digital banking is now. Some of its exceptional benefits include mobility, access to different IBANs, easy and fast payments, and safety of use. 

Start enjoying all this and more by opening a Bunq account today!

Alternatively, you can use our digital bank comparison tool to find the best banking service for you. All you have to do is answer a few simple questions, and our algorithm will point out the best digital bank for you (link to best digital bank page). Try it now!

Faith Boluwatife


Faith Boluwatife

Faith is an enthusiastic content writer with many years of experience in the finance, cryptocurrency, and forex space. She's a regular contributor for Sortter where she writes valuable pieces to improve knowledge. As a skilled writer, Faith has created content for diverse industries -- if it exists, she’s likely written about it!

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