bunq is a European mobile bank built for people who move. With a full EU banking license and German IBAN, it's one of the easiest ways for expats to start banking in Germany — even before you arrive.
You can sign up in 5 minutes from your phone — no Anmeldung or Steuer-ID required upfront. The app works in 35+ languages with 24/7 support, so you'll never struggle with German banking terms or wait days for help.
Why expats love bunq:
- Open your account in 5 minutes from your phone
- No Anmeldung or Steuer-ID needed to start (you have 90 days to provide these)
- Get a German IBAN (DE) instantly
- App available in 35+ languages, including English
- 24/7 customer support in your language
Key features:
- Multiple sub-accounts with separate IBANs for budgeting
- IBANs from 5 countries (DE, NL, FR, ES, IE)
- ZeroFX: spend abroad with no exchange fees (up to €1,000/year)
- Apple Pay and Google Pay ready
- Cash deposits at 10,000+ stores (REWE, Penny, DM, Rossmann)
- Up to 2% interest on savings (paid weekly)
Plans:
- bunq Free: €0/month (savings only)
- bunq Core: €3.99/month
- bunq Pro: €9.99/month
- bunq Elite: €18.99/month
Deposits are protected up to €100,000 by the Dutch Deposit Guarantee Scheme.
