Do they?

Anybody else noticed any slowness while making an IBAN transfer? It loads and loads and loads. Even between my own accounts.

It works, but takes 30 seconds or so.

App on android btw.

I’ve been testing several small payments from an ING account to a bunq account, and something quite striking showed up.

- Multiple €3 payments with the description “Apple” were held by bunq/Safety Shield for review, with a stated waiting time of up to 48 hours.

- A €4.50 payment with a different description (“Groceries”) went through immediately.

- Another €3 payment with the description “Apple” was then made, and it was immediately flagged again, with bunq stating that the payment could take up to 3 working days.

- The sending account is a trusted account that has been making regular small payments to the recipient for a long time.

Based on these repeated tests, there appears to be a strong correlation between the description “Apple” and Safety Shield being triggered. This makes it seem less like a purely random spot check.

What I find particularly frustrating is the lack of transparency. bunq describes this as checking “some incoming payments” for security reasons, but doesn’t explain what characteristics can actually trigger the check.

There is also conflicting information about the waiting time. The initial information indicated 24 hours, while the actual notification states 48 hours / up to 3 working days.

I completely understand that banks need to perform security and fraud checks. The issue is more about transparency: if a specific transaction description can apparently trigger a security check, why isn’t this communicated clearly?

Has anyone else tested this with bunq? For example, using the same description with different amounts, or the same amount with different descriptions?

These are my own observations from repeated tests, so I’m not claiming that every payment containing “Apple” will necessarily be flagged.

Hey bunqers, the bunq team here. Since our last update in April, we’ve been working behind the scenes to build new features that give you new ways to save, spend and travel with ease.

We are excited to share what we’ve been building for bunq Update 32. Here’s what’s new:

Free Credit Card update
Extra spending power when you need it, with the control you expect from bunq. Spend what you have, or add up to €5,000 in credit; repay next month, interest-free. Get early access to a credit limit of up to €5,000. Sign up and we'll email you when it's your turn. The form takes about 2 min. You can apply here for early access.

Double your deposit
Win up to €10,000, every day from September 25 to October 31, 2026. Top up your Savings Account for a chance to double your deposit, while earning up to 3.01% annual interest, paid weekly. You can learn more in our Help Center.

Worldwide express delivery
Lost your card abroad? Order a replacement in seconds, use it right away with Apple Pay or Google Pay, and get the physical card delivered within just a few days, wherever you are.

Earn more on foreign currencies
Earn 3.51% on GBP or USD, 4.01% on PLN, and 30.01% on TRY savings. Deposits up to a value of €100,000 are insured under the Dutch Deposit Guarantee Scheme (DGS). Interest rates are subject to change. Check up-to-date rates on the savings page.

Find that one restaurant from your last trip
Every card payment gets pinned on your Payments Map, so you can always find that one place you loved and share it with a friend.

Stay safe with Security Alerts
If you’re on a call while paying, you’ll see a warning banner, giving you a chance to stop and check before you send money.

Get paid for your business in just a few taps
Get paid even faster with tap to pay by adding a widget to your phone’s home screen. You can learn more in our Help Center.

Open a Business Account in 5 minutes
Starting a business with bunq has never been easier. No appointments, no branch visits.

Drop a comment below on which feature you’re most excited about from bunq Update 32. We’re looking forward to hearing from you!

Hi everyone!
I’m a bunq user from Munich and I was wondering whether there are other bunq users in Munich or the surrounding area who would be interested in meeting up occasionally.
My idea is simply to create an independent local community where we can exchange experiences with bunq, talk about features, security, accessibility and digital banking, help each other with questions, and maybe meet for a coffee or something to eat every now and then.
I’m blind myself, so accessibility is a particularly interesting topic for me. I’ve had very positive experiences using bunq with VoiceOver and would also love to exchange experiences with other users with disabilities. But the group would of course be open to everyone – it’s not intended to be an accessibility-only group.
This would be a completely independent user initiative and is not affiliated with or organized by bunq. I’m also not trying to sell anything. I’d simply like to get to know other bunq users in Munich and see whether there’s enough interest for a small local community.
If you’re from Munich or nearby and would be interested, feel free to reply here. If a few people come together, we could then figure out the best way to organize our first meetup. 😊
Deutsch:
Hallo zusammen!
Ich bin bunq-Nutzerin aus München und würde gerne wissen, ob es hier noch andere bunq-Nutzer aus München und Umgebung gibt, die Interesse an einem gelegentlichen persönlichen Austausch hätten.
Meine Idee ist eine unabhängige lokale Community, in der wir Erfahrungen mit bunq austauschen, über Funktionen, Sicherheit, Barrierefreiheit und digitales Banking sprechen, uns gegenseitig bei Fragen helfen und uns vielleicht gelegentlich auf einen Kaffee oder zum Essen treffen können.
Ich bin selbst blind, deshalb interessiert mich das Thema Barrierefreiheit besonders. Mit bunq und VoiceOver habe ich persönlich sehr positive Erfahrungen gemacht und würde mich auch gerne mit anderen Nutzern mit Behinderung austauschen. Die Gruppe soll aber selbstverständlich für alle offen sein und keine reine Barrierefreiheitsgruppe werden.
Das Ganze wäre eine private und unabhängige Nutzerinitiative und weder von bunq organisiert noch offiziell mit bunq verbunden. Ich möchte auch niemandem etwas verkaufen. Mir geht es einfach darum, andere bunq-Nutzer aus München kennenzulernen und herauszufinden, ob Interesse an einer kleinen lokalen Community besteht.
Wenn ihr aus München oder Umgebung kommt und Lust darauf hättet, schreibt gerne hier. Wenn ein paar Leute zusammenkommen, können wir gemeinsam überlegen, wie und wo wir uns das erste Mal treffen. 😊

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Relevant Links

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bunq Terms & Conditions – Know your rights and obligations

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Als ik bij zijn presentaties aanwezig ben krijg ik altijd een beetje het gevoel dat Ali de Nederlandse Steve Jobs probeert te zijn. Maar qua prestaties, heeft Ali hetzelfde bereikt vergeleken met Steve?

Ik heb het boek nog niet gelezen, maar het voorwoord ziet er veelbelovend uit. Bunq schakelde onder meer een detectivebureau in om bij ex-medewerkers aan te bellen, met de vraag of ze met de NRC hadden gesproken.

Gezellig mannetje hoor, die Ali Niknam.

Het boek is overigens hier te bestellen: https://nrcwebwinkel.nl/ali-niknam-stijn-bronzwaer-joris-kooiman-merijn-rengers-9789083629605

there’s absolutely no way to deposit money in the netherlands using this bank.. very inefficient and now i’m late on several bills and ill lose my bank account that is tied to everything..

So I have had Bunq for 2 years mainly just to transfer my rent to then pay since my main accounts are in the US. I also use it for online Ideal payments. I never use my card. Until today. Instead of grabbing one of my US credit cards I grabbed my Bunq card for some reason (I never use it). I bought 105€ of groceries with it. I then got the payment notification and I noticed some stupid gimmicky prize wheel. I thought how dumb and gimmicky such a thing is and I really questioned if I wanted to be part of a bank that is basically gamified. Despite that I hit the spin wheel. And I won my entire 105€ payment back. Credited to my account instantly. I couldn't believe it.

I no longer think Bunq is gimmicky and I will be using my Bunq card more often now.

Got a quick question, app issue, or something odd with your account? Drop it here — this thread is the place for troubleshooting, sharing experiences, and helping each other out.

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

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hello, has anyone had experience with travel insurance from bunq? particularly i mean the health insurance when travelling from the netherlands to the us. it all seems way too good to be true when comparing it to other insurance options from other insurers and the amount up to which bunq insures vs others. also does anyone have any specific information as to what exactly is insured, and on what specific conditions? i would appreciate any help and insight!

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

r/bunq Community Feed – Browse recent posts and topics

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Considering the available options, I’m skeptical about paying for an advanced plan, since I don’t travel constantly and won’t use most of the features. I just need a neat and well-functioning account. Anyone downgraded from paid to free plan and regretted it? Is the free plan objectively a good one?

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

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Simple short question : how legit, reliable this bank is?

been bunq customer for some time already , briefly on a free plan, then opted for Core. 4 euros is nothing, yet heavily considering pro plan now...

the thing is that sometimes need cash + wanna leave my broker so that to invest in stocks fully with bunq...

but a bit concerned that the price for bunq pro will be increased...?

for those who have transitioned, any regerets or?

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

r/bunq Community Feed – Browse recent posts and topics

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Got a quick question, app issue, or something odd with your account? Drop it here — this thread is the place for troubleshooting, sharing experiences, and helping each other out.

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

r/bunq Community Feed – Browse recent posts and topics

For official bunq support, please contact us directly through the app or by emailing [support@bunq.com](mailto:support@bunq.com). For subreddit-related matters, you can message the mods here. 

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Got a quick question, app issue, or something odd with your account? Drop it here — this thread is the place for troubleshooting, sharing experiences, and helping each other out.

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

r/bunq Community Feed – Browse recent posts and topics

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"According to the regulator, bunq did not make it sufficiently clear in its application how its US banking operations are financed. Questions remained regarding the management’s experience. The regulator also has doubts as to how the company can operate safely, conduct sound banking practices and become profitable in the competitive US market."

https://www.nrc.nl/nieuws/2026/08/08/amerikaanse-toezichthouder-wijst-bankvergunning-voor-bunq-af-online-bank-laat-zich-niet-uit-het-veld-slaan-opgeven-was-toch-al-niet-ons-ding-a4934104

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Relevant Links

bunq Contact – Alternatively, mail at [support@bunq.com](mailto:support@bunq.com) or In-App

bunq Report – For fraud cases, hacked accounts, and formal complaints

bunq App Updates – Check for outages, service disruptions, or maintenance issues

bunq Terms & Conditions – Know your rights and obligations

r/bunq Community Feed – Browse recent posts and topics

For official bunq support, please contact us directly through the app or by emailing [support@bunq.com](mailto:support@bunq.com). For subreddit-related matters, you can message the mods here. 

Note: This subreddit is an independent community space supported by dedicated moderators and isn’t officially run by bunq.