bunq
#5 in Online Bank · Rated 4.2
EU neobank with eco focus and expanding crypto features
bunq is Europe’s second‑largest neobank, founded in 2015 and headquartered in Amsterdam. The bank emphasizes user autonomy, transparency, and sustainability, offering multi‑currency accounts, high‑quality budgeting tools, and a SaaS mindset for individuals and small businesses. By 2025 bunq had grown to tens of millions of users across Europe and expanded services into crypto and stock trading in several markets, with plans to broaden U.S. activity via broker‑dealer licensing. In 2025 bunq began expanding crypto staking and trading across multiple EU countries and announced expansion into the U.S. as a strategic milestone, signaling its ambition to become a truly global neobank. Regulatory fines in 2025 prompted compliance enhancements, but the brand remains highly visible in Europe.
Features
- Multi‑currency accounts and real‑time exchange
- Internal crypto offering and staking (EU‑wide)
- AI‑assisted budgeting and 24/7 multilingual support
- Stocks/ETFs trading in select markets
- Card controls and real‑time AI translation in the app
Pros
- Strong European footprint and crypto expansion
- Flexible pricing and generous personal controls
- Global ambitions with Engine banking tech
Cons
- Regulatory fines and compliance scrutiny in 2025
- Not yet fully available in all non‑EU markets
- Crypto offerings may be limited by region