bunq

The product is a mobile banking app that combines spending, saving, budgeting, investing in stocks and crypto, and travel tools in one place to manage everyday money without multiple accounts or spreadsheets. It sells to consumers for personal, student, couples, family and expat use and to businesses and self-employed users needing payments, cards and bookkeeping. It is delivered as a subscription-based app with tiered plans that users open in minutes on iOS/Android with ID verification and manage via app and web.

Key features

• Money Pockets budgeting with separate IBANs
• Digital Credit Card with Apple Pay and Google Pay
• Spending notifications and insights
• Savings accounts with weekly interest payout
• Auto Round Up to savings
• Buy and sell crypto in-app
• Fractional stocks investing from €10
• ZeroFX foreign payments
• eSIM with global data top-up
• Travel insurance included
• Joint accounts for shared banking
• Child accounts with limits
• Invoice scanning
• Open API access
• 24/7 in-app support