Bunq Business Account Review: Fees, Features & Eligibility [2026]

Bunq Business Account at a Glance

Bunq built its reputation on being the anti-bank: a slick app, sustainable investing options for your deposits, a card that syncs with your accounting software before you've even opened the invoice. All of that is genuinely appealing, right up until you check who's actually allowed to apply. Bunq only opens accounts for businesses registered in nine EU countries, with every owner and non-executive director living in the EEA, and that gate decides everything else before a single fee or feature matters.

This review covers what a Bunq account actually costs once you clear that bar, where its multi-currency and bookkeeping tools earn their keep, and where a business needs to look elsewhere, whether that's for lending, an EU-based alternative, or banking outside Europe entirely.

Disclosure: Statrys does not compete with Bunq. Bunq serves businesses registered in the EU; Statrys serves businesses registered in Hong Kong, Singapore, and the BVI. Where this review points to Statrys, it's for readers who need business banking in those markets alongside, or instead of, Bunq, not as a head-to-head alternative.

This guide is based on research conducted in September 2026, including a direct review of Bunq's official pricing and business account pages and publicly available terms. Statrys has not opened or tested a Bunq account directly, so this review relies on published terms rather than first-hand account testing.

Who Bunq Is Right For

Good fit

• EU-registered businesses that want to hold and exchange 22 currencies, including USD, GBP, and CHF, from one account.
• Companies that want local IBANs in the Netherlands, Germany, France, Spain, Portugal, or Ireland to receive payments like a local business in those markets.
• Teams that want automated bookkeeping sync with tools like Exact, sevDesk, or DATEV, rather than manual reconciliation.
• Businesses that want a fully digital, app-based account with same-day online applications.
• Companies that care about where their deposits are invested; Bunq lets clients choose ethical or sustainable investment options for their funds.

Not a good fit

• Businesses registered outside the nine eligible EU countries (Netherlands, Germany, France, Spain, Belgium, Portugal, Austria, Italy, Ireland). Bunq is not an option regardless of how well the rest of the account fits.
• Companies with UBOs or non-executive directors living outside the EEA. Bunq requires all UBOs and non-executive directors to be EEA residents.
• Businesses that need to spend directly from their account balance without topping up first. Bunq's cards are prepaid, so funds have to be loaded onto the card before they can be spent.
• Companies that need business loans, credit facilities, or overdraft options. Bunq doesn't offer any lending products.
• Free-plan users who need phone-equivalent support during a problem; the 24/7 SOS hotline is limited to paid plans.

Opening a Bunq Business Account

Who can apply: businesses registered in the Netherlands, Germany, France, Spain, Portugal, Belgium, Austria, Italy, or Ireland, where the business owner resides in the same country as the registration, and all UBOs and non-executive directors live in the EEA. Applicants also need a verified Bunq personal account and must be at least 18 years old. Businesses that are bankrupt or insolvent, or that already hold a Bunq business account, aren't eligible for a second one, though companies with multiple trade names can open a separate account per trade name.

Documents typically required:

How to apply: the application runs entirely through the Bunq app. Bunq states it can be completed in about 5 minutes, though the additional documents above may be requested afterward depending on the business's structure and location. Bunq doesn't publish an expected approval timeframe, so there's no way to know upfront how long the review itself takes.

Bunq Fees

Bunq lists its plans on its own business account page and full fee schedule in its pricing document. Splitting the plan cost from the transaction and FX costs makes the real monthly bill easier to estimate.

Plan fees

Foreign IBANs and invoice scanning are only available on the Pro and Elite plans.

There's no fee to open an account, and the Free plan is genuinely free to hold, though it's restricted to sole proprietors with a single director, so other legal forms have to start on Core. For eligible Free-plan businesses, cost shows up as they grow: multiple sub-accounts, foreign IBANs, and employee cards all push toward the paid tiers, and Bunq lets you switch plans directly in the app if your needs change.

Transaction and FX fees

For a business that mostly moves euros inside the SEPA network and stays under its plan's transfer allowance, day-to-day banking is close to free. The cost concentrates in two places: international SWIFT transfers at a flat EUR 5 regardless of amount, and the 0.5% FX fee on any currency conversion, both of which add up quickly for a business trading outside the eurozone.

Bunq Support & Reviews

Bunq is a digital-only bank with no physical branches, so all support runs through the app and website.

Bunq's Trustpilot page shows a rating of 3.7 out of 5 from 19,367 reviews. That's a large sample, but the profile covers Bunq's personal and business banking together, so treat it as a general service signal rather than a business-account-specific one.

For reference, Statrys' own Trustpilot rating is 4.8 out of 5 from 495 reviews, included as context for readers comparing support quality across providers, not as a claim that the two accounts serve the same market.

Bunq vs Statrys & Alternatives

Bunq and Statrys don't compete for the same customer. Bunq serves EU-registered businesses; Statrys serves businesses registered in Hong Kong, Singapore, and the BVI. The comparison below is for a specific reader: a business that needs an account in both regions, not one choosing between the two as substitutes.

If your business operates only in the EU, this comparison isn't really a decision. Bunq is the option built for that. It becomes relevant the moment a business also needs to open an account, invoice, or hold funds in Hong Kong or Singapore, since that's outside what Bunq offers at all.

Alternatives to Bunq for EU businesses

If your business also needs to hold, receive, or send money in Hong Kong or Singapore dollars, Statrys' business account is worth a look alongside Bunq, not instead of it. We support 11 currencies for receiving and 18 for sending, with FX fees from 0.1% and a dedicated account manager, for the part of your business Bunq's EU-only account can't reach.