bunq — Amsterdam-headquartered EU neobank with a Dutch banking licence under De Nederlandsche Bank, known for multi-IBAN sub-accounts and Easy Savings.
- HQ
- Amsterdam
- Users
- 17M+ across the EU
- Connection
- PSD2 (read-only)
Multi-IBAN sub-accounts
Every bunq sub-account with its own IBAN is read as a distinct balance, so dedicated pots (rent, holidays, taxes) are never collapsed into one number.
Easy Savings and goal-based pots
Easy Savings accounts and goal-based pots are surfaced alongside spend accounts so the savings rate is always visible.
Maestro and Mastercard spend
Card transactions across Maestro debit, Mastercard debit and credit cards are auto-categorised on the same taxonomy as your other banks.
Direct debits and recurring payments
SEPA direct debits and recurring card-on-file payments are detected so subscription totals and rent / utility outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Read by Bank AIMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Albert Heijn
- Bol.com
- Coolblue
- Amazon
- Booking.com
- Airbnb
- Uber
Detected subscriptions
- Netflix
- Spotify
- Disney+
- YouTube Premium
- iCloud+
- How much sits in my bunq sub-accounts versus my main balance?
- What is the interest I have earned on Easy Savings year to date?
- List every recurring direct debit on my bunq account.
- Compare my bunq card spend with my other current account this month.
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🇳🇱 Netherlands
The Dutch retail banking market is one of the most-concentrated in Europe - ING, Rabobank and ABN AMRO together hold roughly 80%+ of household current accounts.
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Does Bank AI move money on my bunq account?
No. Bank AI is read-only by design. Sub-account transfers, Easy Savings top-ups and card payments continue to happen inside the bunq app. Bank AI surfaces balances, transactions and totals; every action remains in bunq.
Are bunq sub-accounts surfaced separately?
Yes - each sub-account with its own IBAN appears as a distinct balance under your bunq connection. Rent, holiday, tax and joint sub-accounts are never collapsed into a single number.
Does bunq still hold my money?
Yes. bunq is a fully licensed bank under De Nederlandsche Bank (DNB), with deposit insurance up to 100,000 EUR per depositor under the Dutch Deposit Guarantee Scheme. Bank AI never holds your money - we only read the data you authorise via PSD2.
Is Easy Savings interest visible inside Bank AI?
Yes. Interest credits to Easy Savings accounts are read into the underlying balance and tagged as interest income, so the cumulative yield year-to-date is always visible alongside the principal.
What happens if bunq raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a bunq-side maintenance window. Bank AI shows a clear status pill and prompts you to re-authenticate without losing any of your data.
Is my bunq data stored outside the EU?
No. Bank AI processes account data in EU regions by default, with AES-256 encryption and EU-region key management. bunq itself remains the deposit-holder under DNB supervision; Bank AI is the read-only viewer on top.
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