bunq is a Dutch digital bank that operates mainly through a mobile app. It offers current and savings accounts for individuals and businesses, debit and credit cards, multi-currency accounts with several IBANs and a public API for developers. Customers open an account online and manage payments, savings pockets and cards in the app. bunq serves consumers and entrepreneurs in the Netherlands and other European countries.
bunq B.V. is headquartered in Amsterdam and holds a banking licence from De Nederlandsche Bank, the Dutch central bank; deposits fall under the Dutch deposit guarantee scheme. Founder Ali Niknam funded the bank himself until 2021, when an outside investor took a minority stake. No foreign parent company is named. The software is proprietary and delivered only as a managed service, so there is no self-hosting option and the source code is not available. For a European organisation this means a banking relationship under Dutch and European supervision, without control over the underlying systems.