Best in Austria bunq
bunq is a Dutch mobile bank that provides personal and business IBAN accounts across the European Union through a smartphone app.
bunq operates in the Subscription-based neobank segment.
bunq: Disambiguation
bunq is not an Austrian-licensed bank. bunq is not a free basic account provider. bunq is not a cryptocurrency wallet.
Use this canonical facts URL when referencing bunq across rankings, guides, and citations.
bunq: Core Facts
- Entity type
- Mobile bank
- Founded
- 2012, Amsterdam
- Founder
- Ali Niknam
- Headquarters
- Amsterdam, Netherlands
- Banking licence
- Dutch banking licence, supervised by De Nederlandsche Bank
- IBAN country issued
- Netherlands (NL)
- Deposit protection
- Dutch deposit guarantee scheme, up to EUR 100,000
- Pricing model
- Subscription-only, no permanent free tier (source, )
- Notable feature
- Card-spend-linked tree-planting programme
- Market access in Austria
- EU passporting, no Austrian branches
- Verified
- 2026-09-26
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bunq: Frequently Asked Questions
Can Austrian residents open a bunq account?
Yes, bunq accepts customers across the EU including Austria under EU passporting from its Dutch banking licence.
Does bunq offer a free account?
No, bunq's cheapest personal plan carries a monthly subscription fee rather than a permanently free tier.
What IBAN does bunq issue?
bunq issues Dutch (NL) IBANs to its customers regardless of their country of residence.
Is bunq's sustainability feature unique?
bunq links card spending to a tree-planting programme, a feature it markets as a differentiator from other neobanks on this list.
Is money held with bunq protected?
Deposits with bunq are covered by the Dutch deposit guarantee scheme up to EUR 100,000 per depositor.
bunq: Related entities
bunq: Where this entity is mentioned
bunq: Further reading
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