What Bunq Actually Charges You
Bunq sells itself as the bank of The Free, yet its free plan charges €2.99 when you touch your own cash at an ATM that supports Apple Pay or Google Pay. The cheapest real plan costs €47.88 a year, and even there every single withdrawal has a price.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €3.99/month | Bunq Core, the cheapest full plan, per the official pricing sheet of 29 January 2026. Pro costs €9.99 and Elite €18.99 per month; the €0 Free plan charges per use instead. |
| ATM withdrawals | €0.99/withdrawal | On Core: the first 5 withdrawals per month cost €0.99 each, then €2.99 each. Pro and Elite include 6 free withdrawals per month, then 5 at €0.99 and €2.99 after; on the Free plan every withdrawal costs €2.99 and only works at ATMs that support Apple Pay or Google Pay. |
| Foreign exchange | 0.5% | Currency fluctuation prevention charge on top of the real Mastercard exchange rate for non-euro card payments. On the Free plan this applies up to €1,000 per year, after which the fee is 1.5% of the transaction. |
| Cards | €9.99 | Replacement card on any plan; Pro and Elite include 1 free replacement per year. Extra cards on Pro and Elite cost €9.99 plus €3.49 per month per card, and Core includes just 1 card. |
| Transfers | €5/payment | Receiving a SWIFT payment, on every plan. If the sender chose to have the beneficiary pay the costs, the fee doubles to €10. |
Questions people actually ask
The Free plan has no monthly fee, but ATM cash only works where Apple Pay or Google Pay cash withdrawals are supported, and each withdrawal costs €2.99. It also charges 1.5% on foreign currency card payments above €1,000 per year. The cheapest full plan, Core, costs €3.99 per month.
On Core, the first 5 withdrawals per month cost €0.99 each and €2.99 after that. Pro and Elite include 6 free withdrawals per month, then 5 at €0.99 and €2.99 beyond.
The real Mastercard exchange rate plus a 0.5% currency fluctuation prevention charge. On the Free plan the 0.5% applies up to €1,000 per year, then the fee becomes 1.5%.
Core includes 1 card and Pro and Elite include 3. A replacement card costs €9.99, with 1 free replacement per year on Pro and Elite, and extra cards cost €9.99 plus €3.49 per month.
SEPA transfers are free on personal plans, but receiving a SWIFT payment costs €5, or €10 when the beneficiary pays the costs.
Sources
Every number above is checked against official provider documents and the linked source material below.
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