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bunq
bunq · 36,334 ratings · ★ 3.7
3.7
★★★★★
36,334 ratings
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Top complaints - extracted from 46 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"account"
19 negative reviews mention this · 41% of all complaints
★★★★★ "my bank account has been hacked and Bunq closed because, there was many shared requests, which i never sent at all. i did call the bank and sent emails , but nothing happened." - Tito ahmed
2
"bank"
12 negative reviews mention this · 26% of all complaints
★★★★★ "my bank account has been hacked and Bunq closed because, there was many shared requests, which i never sent at all. i did call the bank and sent emails , but nothing happened." - Tito ahmed
3
"bunq"
9 negative reviews mention this · 20% of all complaints
★★★★★ "my bank account has been hacked and Bunq closed because, there was many shared requests, which i never sent at all. i did call the bank and sent emails , but nothing happened." - Tito ahmed
4
"support"
9 negative reviews mention this · 20% of all complaints
★★★★★ "With a welcoming casback promise with AH I thought I'd see if Bunq was a good alternative for my current bank. It's not. They use the cashback to get you to open an account, but when it's time to pay out, Support goes "Sorry, no, you follow…" - Martine van Beers
5
"money"
9 negative reviews mention this · 20% of all complaints
★★★★★ "Money I added to the savings account section ended up on the bank account section of the app without prior notice. If you are going to make changes, account holders should be informed." - So Cleva
6
"without"
6 negative reviews mention this · 13% of all complaints
★★★★★ "Money I added to the savings account section ended up on the bank account section of the app without prior notice. If you are going to make changes, account holders should be informed." - So Cleva
7
"customer"
6 negative reviews mention this · 13% of all complaints
★★★★★ "Their customer service is the worst I have ever seen. Endless chat with their chatbot. They refuse to let you speak to a human. When you finally do, you beg them to deal with your issue, but they fling you back to the chatbot without a word…" - Seán Ó Luasa
8
"update"
5 negative reviews mention this · 11% of all complaints
★★★★★ "with every update something else breaks. now the option to share a split request is gone. bank of the free... Update: with the update of may 7th, the share request link is back in the split menu. @bunq please verify your updates before rele…" - Martijn Plasman
9
"service"
5 negative reviews mention this · 11% of all complaints
★★★★★ "Their customer service is the worst I have ever seen. Endless chat with their chatbot. They refuse to let you speak to a human. When you finally do, you beg them to deal with your issue, but they fling you back to the chatbot without a word…" - Seán Ó Luasa
10
"customer service"
5 negative reviews mention this · 11% of all complaints
★★★★★ "Their customer service is the worst I have ever seen. Endless chat with their chatbot. They refuse to let you speak to a human. When you finally do, you beg them to deal with your issue, but they fling you back to the chatbot without a word…" - Seán Ó Luasa
11
"days"
5 negative reviews mention this · 11% of all complaints
★★★★★ "hidden fees, free trials of elite plans without having chosen it, that continue without explaining they will continue to charge. top up fees that arrived 10 days after the transfer - you could have warned that the top up would have fees imm…" - Antonios Charokopos
12
"week"
5 negative reviews mention this · 11% of all complaints
★★★★★ "Cannot get the annual overview 2026 for the last several weeks which is needed for filing income taxes. The support is not giving enough information or helping out. It just says that it's a server error and that's it." - Lila Ozkazanc
📋 All 46 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
my bank account has been hacked and Bunq closed because, there was many shared requests, which i never sent at all. i did call the bank and sent emails , but nothing happened.
with every update something else breaks. now the option to share a split request is gone. bank of the free... Update: with the update of may 7th, the share request link is back in the split menu. @bunq please verify your updates before releasing.
With a welcoming casback promise with AH I thought I'd see if Bunq was a good alternative for my current bank. It's not. They use the cashback to get you to open an account, but when it's time to pay out, Support goes "Sorry, no, you followed all the steps but don't qualify because something went wrong". I was warned, and I should have listened. Staying with my current bank and deleting Bunq permanently.
I don't recommend it.
Do you guys even test the app and verification proces?
Requires me to drop root-rights to my smartphone in order to even register for a 'free' bunq account, or use their app. So much for 'free' and 'making life easy'. I refuse to drop root-access-rights to MY own devices.
Their customer service is the worst I have ever seen. Endless chat with their chatbot. They refuse to let you speak to a human. When you finally do, you beg them to deal with your issue, but they fling you back to the chatbot without a word. Update: - You do not need me to explain this again via email. You have all the details you need. If you are interested, do something about it. - It's v odd to congratulate yourself on your 'excellent support' in response to a review that it is atrocious.
It's don't work with Russian phone numbers!
I am trying to sign up to this bank app it ask me for my phone number then it says it will send me a code but it doesn't. ok eventually it sent me the code sign up what a flipping waste of time.It advertise that it gives 3 % on savings but when I signed up it gives 2%. The next problem is you have to do up a tax report for the government at the end of the year because this bank will not do it for you they want tax on the interest you made.What a complete waste of time this bank is
hidden fees, free trials of elite plans without having chosen it, that continue without explaining they will continue to charge. top up fees that arrived 10 days after the transfer - you could have warned that the top up would have fees immediately, not after 10 days. I had high hopes, but do not recommend. They find basically small ways to take your money. Stick with Revolut.
another stupid bank, don't open with these so called bank
very bad experience .don't download or try to open account they will make you sick 1000 questions and will not open account questions like they are giving you loans .I tried last two months continuing submissions lots of details many different id different things still not finishing questions I decided to delete and recommend its name not bunker should be PUNKER
The company takes your money and, under the pretext of “Safety Mode,” simply holds onto it without giving any explanation! All you can do is chat with a bot! I provided all the documents: the company that pays my salary, the amount, and the payment date. A week before the payment date, I sent a reminder. On the payment date, I even provided a payment document from my company confirming the transfer. As a result, five days later, I still haven’t received my money.
useless app... until I didn't push them they didn't finish which took almost a week my kyc and repeatedly asked for kyc like 4/5 times. I did an instant GPay top up and it's 48 hours and the money is still not there in the account 🤯🤯🤯
bad experience with bunq more than a week now they blocked my account I can't access to my money nobody to talk with only support says from first day will take 1 to 2 Business days to solve the issue I answered the questions they asked and I'm still waiting nothing shows
keeps asking me to update but then on the playstore tells me I have the most up to date version
awful. doesn't give you the confirmation code to submit your registration
Bad banking
terrible
Very buggy bank app... 😔 Good customer support, but the app is just too buggy. I would not recommend it if you want to get things done quickly. If you want to test your patience, though, this is the perfect app.
woke bank not for normal people.creepy ai.
This is the worst support process I witnessed in a long time. Somebody should take Finn out back. Don't use this bank, because the moment you need support you will be looking for the nearest window.
afyer 2 days still trying to verify as the incode app they have built in does not detect my card
Alleen maar ai hulp en,ze halen geld weg van je account
I wanted to give the bunq another chance, even paid for the Elite subscription. I started to book my holidays, transferred money to bunq and they froze my account! They said it is an unusual activity lol. How are you guys still in business, no idea.
The trial period had started even before I received a card. I wanted to start the trial when I really needed it. Just to compare what I can get extra and how it will be improved.
Completely useless app. You have to wait about a week for your documents to be approved, only to discover afterwards that you can’t use other currencies due to restrictions that are never clearly stated before registering. This should be disclosed upfront so people don’t waste their time signing up and waiting for verification. Overall, a frustrating and pointless experience.
I reported a fraud on my account. By their own AI chatbot, they were supposed to respond within 2 days. I called one week after, 7 days, and I was told that no one at Bunq even looked at the fraud claim. I called, I got the exact same one person. Apparently Bunq, uses AI for pretty much everything and only has 2 person on the phone for all of continental Europe. Yesterday, Bunq closed my account without telling me specifically why. They stole my money. They will steal from you as well.
Account closed overnight after a legitimate dispute on card transactions. Vague reason ("unusual activity") and refusal to provide concrete explanations ("confidential reasons"). No payment incidents, no overdraft. Customer service nonexistent, arbitrary and final decision. Avoid.
Hi it's a scam online bank app name bunq i sale paint machine 1000 euro and someone transfer money in my bunq account and already 41 euro in this account he took me around 1041 euro and my account is blocked now. Be aware please don't risk this app is fraud and please Google app play store take action on this bunq app. i have proof against this bunq app for my money if you need i can provide thanks
App gedownload en heel account aangemaakt met mn id en alles, ik zou een inschrijfbedrag horen te ontvangen maar had em nooit gekregen. Na weken met verschrikkelijk trage customer service nog steeds niks. nou ik heb mn account verwijderd. zit nu bij Revolut en ben dik tevreden.
worst experience ever. bounced from ai to ai bot for a month. finally got business account approved. then after 3 weeks they say my business isn't eligible for the advertised free business account (which isn't transparent anywhere btw) and that my free trial month expired while I was waiting for them (way longer than advertised 2 wks). and don't bother trying to talk to a real person. not part of policy Update: attempt to connect after their response led to more ai slop. avoid. only pain awaits
won't let me make new account I put my phone number but won't send me a sms
Message to confirm telephone number didn't work
Very bad customer service. My account was banned without any reason even though I provided all the legal details. The AI sent me an automatic reply that an unusual activity was fine so we closed your account. I will try to raise my voice to another platform. They just increase users and then stop accounts. Very cheap service, shame one you
when i registering,sms confirmation dosnt come... idiot how i need to copy that link?
Never download this Bank!! second time they blocked my account after my paycheck i had to borrow money for groceries and rent. They don't even have the decency to even let you speak with a human!!!! the WORST bank in the Netherlands! I WISH I COULD GIVE -300000 STARS. ITS UNBELIEVABLE AND DISRESPECTFUL
garbage, tells me I can download it when it's not even available in the UK
Update: aah guide the AI. That is still not human support and I can say I am extremely disappointed in the way you treat your customers. What a shame. Probably the same reason I had to way 3 months for this reply. Reading other comments and your replies to them shows you don't care anymore. I hope a lot of people leave!
waste of time
can't even create an account. no reply from support email
Money I added to the savings account section ended up on the bank account section of the app without prior notice. If you are going to make changes, account holders should be informed.
Cannot get the annual overview 2026 for the last several weeks which is needed for filing income taxes. The support is not giving enough information or helping out. It just says that it's a server error and that's it.
I made a purchase from a company that never delivered the product. I requested a refund. After 4 months providing a number of documents Bunq just replied the refund was declined (from the scam company). They also kept on asking me for the same documents multiple times. Any proper bank would have investigated the matter and refunded me. I will change bank for one that provide genuine services.
It's a very expensive banking method with no access to client service. The only thing is, it is easy to open an account but you have no idea of the cost involved, beforehand. There is no description of different services etc. It feels a bit scammy because of no access to customer service and no fees explained.
Wie viele andere Nutzer auch, sehr schlechte Erfahrungen mit Konto & App allgemein. Kann es nicht empfehlen und werde nie wieder mein Geld denen anvertrauen, Support ist sehr schlecht. Unabhängig vom Ai Thema ...
Sentiment summary
65%
Positive (4-5★)
6%
Neutral (3★)
29%
Negative (1-2★)