Bunq 리뷰

Bunq
98
점수
10+
통화
0-3 days
속도
규제
ASIC, FCA, CIB, Europe bank license, US financial license
가입 간편성
Simple and user-friendly onboarding
Trustpilot 평점
고객 서비스
Highly rated customer support available
이체 수수료
Low fees, competitive exchange rates
필요 서류
Passport/ID/Driver’s License, Proof of address
주요 특징
Instant card-to-card transfers, Mobile wallet for convenient payments
이체 방법
Bank deposit, Credit and Debit Cards, Mobile payments

회사 정보

Bunq, a trailblazing international mobile bank, emerged onto the financial scene in 2015 under the visionary leadership of Ali Niknam, the founder of IT company TransIP. Holding official authorization from the Dutch Central Bank, Bunq operates as an independent borderless European bank, marking its commitment to innovation and global banking solutions.

2012
설립
500+
직원
5.4+ m
고객
$1.2 billion
펀드

카드

Bunq

소개 Bunq

Hailing from the vibrant city of Amsterdam, Bunq has earned its reputation as one of the most forward-thinking mobile banks in the industry. Offering customers the flexibility to create up to 25 sub-accounts, along with the provision of three physical cards and five virtual debit Mastercards, Bunq distinguishes itself as a bank that adapts to the ever-evolving needs of its users.

Notably, Bunq proudly touts itself as the “Bank of the free.” Beyond its banking services, the institution is actively engaged in combating climate change. It provides customers with the opportunity to reduce their carbon footprint while making everyday purchases. In this comprehensive Bunq review, we delve into its features, account types, plans, and products.

Is Bunq Secure?

Bunq Bank takes rigorous security measures to safeguard customer data and funds. As a licensed European bank, user deposits of up to €100,000 per account are protected by the Dutch Deposit Guarantee. Advanced security protocols, including two-factor authentication, ensure robust protection for user assets and personal information. Bunq also employs vigilant account activity monitoring and immediate reporting of any irregularities.

Should a card be lost or misplaced, users can swiftly freeze or unfreeze their cards through the Bunq mobile app.

플랫폼 및 기능

Bunq exclusively operates via its mobile app, eliminating the need for in-person visits or paper forms. The account verification process is seamless and efficient, entirely conducted within the app. This mobile-first approach ensures accessibility and ease of use, obviating the requirement for desktop access.

뱅킹 기능

Bunq empowers customers with the ability to create multiple bank accounts tailored to their distinct needs. Key features include:

  • Instant account creation with unique Bunq Account Numbers (IBANs).
  • Convenient creation of up to 25 sub-accounts via the mobile app.
  • Cost-effective international money transfers in partnership with Wise.
  • Quick setup of personal payment links through bunq.me for easy fund transfers.
  • Integration with Apple Pay and Google Pay for secure transactions.
  • In-app card control, enabling foreign payments, CVC code management, card blocking/unblocking, and virtual card creation.
  • Savings goals to plan for future purchases, shareable with friends and family.
  • ‘Auto save’ option, rounding off payments to €1, €2, or €5 to accelerate savings.
  • Attractive interest rates, 27 times higher than traditional banks, across all account types.

Bunq Business

In addition to personal accounts, Bunq offers a dedicated Business account tailored for entrepreneurs and freelancers.

Pros:

  • Green Initiatives: Bunq’s “Green Card” aligns with sustainability efforts.
  • User Experience: Exceptional user experience across the app and browser.
  • Card Variety: Maestro debit and MasterCard debit cards come standard.

Cons:

  • Payment Fees: Charges apply when receiving payments from non-SEPA banks.
  • Additional Fees: Some supplementary charges may be applicable.
  • Subscription-Only: No free limited account options; all accounts require a subscription.

기능

Bunq Business accounts come equipped with 25 sub-accounts, three cards (credit or debit), and automation software for streamlining financial tasks. Notably, the Bunq app simplifies the process of sending bank statements to bookkeepers, maintaining VAT records, and categorizing incoming payments into sub-accounts.

Fees

Bunq levies fees beyond the monthly subscription, yet their transparent pricing structure alleviates concerns. Card fees vary, with foreign payments calculated at the MasterCard exchange rate. Credit card withdrawals in foreign currencies or euros incur a €0.99 fee per withdrawal. However, card payments in euros remain free.

Bunq offers several subscription tiers for Business accounts:

  • Easy Green Business: €22.99/month
  • Easy Money Business: €12.99/month
  • Easy Bank Business: €6.99/month
  • Easy Savings Business: Free

수수료 및 커미션

Bunq Bank maintains a clear and open fee structure, without hidden charges. Let’s examine the various fees users may encounter:

Subscription Fees

Personal Plans:

  • Easy Savings - Free
  • Easy Bank - €2.99 per month
  • Easy Money - €8.99 per month
  • Easy Green - €17.99 per month

Business Plans:

  • Easy Savings - Free
  • Easy Bank - €6.99 per month
  • Easy Money - €12.99 per month
  • Easy Green - €22.99 per month

Card Fees

  • Master credit and debit cards: €9.00 per year
  • Bunq Green card: €99.00 per year
  • Cash withdrawals with a debit card in foreign currency: €0.99 per withdrawal
  • Cash withdrawals with a credit card (euros or foreign currency): €0.99 per withdrawal
  • Card payments in euros: No fees; foreign payments at MasterCard exchange rates

Fees for Sending and Receiving Money

  • Premium and joint users enjoy free euro transactions within the SEPA network.
  • Business account users incur a €0.10 fee per transaction for euro transfers within the SEPA network.
  • International fund transfers for premium and joint users follow Wise rates, with an additional €0.10 fee for business account users.
  • Receiving money outside the SEPA network carries a fee ranging from €5 to €20, depending on the amount.

Additional Fees

  • High-balance accounts may be subject to a ‘safekeeping’ fee to secure funds at the European Central Bank.
  • Additional sub-accounts and cards may incur supplementary charges.
  • Exceeding the initial €100 deposit limit results in a fee equal to 1

Bunq 장단점

장점

  1. 다양한 계정 옵션: Bunq는 개인, 공동 및 비즈니스의 세 가지 계정 유형으로 광범위한 고객을 대상으로 합니다.
  2. 유럽 내 수수료 없는 지출: 사용자는 유럽 내에서 수수료 없이 지출할 수 있습니다.
  3. 다중 서브 계정: Bunq는 각각 고유한 IBAN을 가진 25개의 서브 은행 계정을 관대하게 제공합니다.
  4. 글로벌 ATM 접근: 전 세계 ATM에서 무료 출금을 즐기세요 (월 최대 10회).
  5. 비용 효율적인 국제 송금: Wise와의 파트너십을 통해 Bunq는 8배 저렴한 국제 송금을 제공합니다.
  6. 프리미엄 체험 기간: 사용자는 30일 동안 무료로 프리미엄 계정을 체험할 수 있습니다.
  7. 내장된 저축: Bunq는 이자가 발생하는 저축 계정을 포함합니다.
  8. 친환경 이니셔티브: Bunq는 환경을 고려하는 은행으로 두각을 나타냅니다.

단점

  1. 제한된 지리적 이용 가능성: Bunq의 서비스는 유럽경제지역(EEA) 영주권자에게만 독점적으로 제공됩니다.
  2. 단일 통화 지원: 은행은 유로 거래만 지원합니다.
  3. 프리미엄 계정 비용: 프리미엄 등급은 상대적으로 비쌀 수 있습니다.
  4. 국제 송금 무료 아님: 무료 계정 사용자는 무료 국제 송금을 이용할 수 없습니다.