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bunq
bunq · 37,420 ratings · ★ 3.8
3.8
★★★★★
37,420 ratings
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Top complaints - extracted from 52 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"
25 negative reviews mention this · 48% of all complaints
★★★★★ "This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month" - Karim Essahili
2
"bank"
15 negative reviews mention this · 29% of all complaints
★★★★★ "This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month" - Karim Essahili
3
"bunq"
12 negative reviews mention this · 23% of all complaints
★★★★★ "Ridiculous registration process that rejected my crystal clear identification five times. At least bunq immediately deleted my entire account and private information after abandoning the platform." - David Martin
4
"without"
9 negative reviews mention this · 17% of all complaints
★★★★★ "This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month" - Karim Essahili
5
"support"
8 negative reviews mention this · 15% of all complaints
★★★★★ "Notification about a payment request should say: expires at DATE/TIME not in 2 days... support chat appears dead! no immediate Answer or acknowledgement just dead!" - Tobias Gogolin
6
"money"
7 negative reviews mention this · 13% of all complaints
★★★★★ "This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month" - Karim Essahili
7
"information"
7 negative reviews mention this · 13% of all complaints
★★★★★ "Ridiculous registration process that rejected my crystal clear identification five times. At least bunq immediately deleted my entire account and private information after abandoning the platform." - David Martin
8
"month"
6 negative reviews mention this · 12% of all complaints
★★★★★ "This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month" - Karim Essahili
9
"free"
6 negative reviews mention this · 12% of all complaints
★★★★★ "This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month" - Karim Essahili
10
"days"
6 negative reviews mention this · 12% of all complaints
★★★★★ "DO NOT use this app for crypto trade, their numbers are not reliable and for days nothing is being fixed after plenty reports!! ALMOST MONTH LATER, AND STILL THE SAME ISSUES. DO NOT USE THIS APP FOR CRYPTO TRADING. Oh and spin the wheel is …" - Daily Stuff
11
"closed"
6 negative reviews mention this · 12% of all complaints
★★★★★ "I am a bulgarian citizen and I was rejected for account with no reason given. I have provided an official state document proving my address and the answer was that they directly closed my account. No explanation given whatsoever. Asked the …" - Ivan Ivanov
📋 All 52 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").
This is the worst bank I've ever dealt with. They charge €18 per month without making it clear. At first, they tell you the account is free, but later you discover they're deducting money from your account every month
Terrible bank-I can't get through to a live representative to resolve a problem they created for me in the first place. It’s constant waiting, and they claim to understand my frustration.
it's not a good application when you put money they ask you your profile of address If you will send every document they will say it's not acceptable every time I sent all my home address agreement they are saying it's not acceptable Please don't install it You can lost your money
Scam app with a promise to be free while signing you up for a 20 euro a month plan without your knowledge
DO NOT use this app for crypto trade, their numbers are not reliable and for days nothing is being fixed after plenty reports!! ALMOST MONTH LATER, AND STILL THE SAME ISSUES. DO NOT USE THIS APP FOR CRYPTO TRADING. Oh and spin the wheel is a complete waist of time if 18 spins get you literally nothing.
I am a bulgarian citizen and I was rejected for account with no reason given. I have provided an official state document proving my address and the answer was that they directly closed my account. No explanation given whatsoever. Asked the chatbot to talk to a person but another rejection right away. Vibe coding a bank app is crazy!!! This app/bank is a total waste of time! 0 Stars!!!
Bunq used to be great, but in the last year has significantly reduced features in it's free/cheap plans. Additionally, you get no warning when you're about to create a subaccount or card that puts you over your plans limit or you activate other features that aren't included in your plan, instead just charging you 20€+ in next months invoice. Revolut has a lot more free features. Edit: March 2024, Another price increase, another star dropped. Edit 2026: GAMBLING IN MY BANKING APP ????
AI is psychotic update: developer's reply is factually untrue and I was unable to get through to an actual human until the moment I asked my account to be deleted and a month later finally received my requested personal data. I have about thirty emails back and forth where I say I cannot log in when I want to submit the information they request, followed by a bot answering me that I should enter the information after signing in. Repeated requests for confirmation of their humanity were ignored.
is not recommended to use bunq. i was thinking it was free. however, it start gave me some paid account for 1 month then i need to pay without clear information for the upcoming months. it swithced to paid account with limited clarification from my side
This bank ain't it. They ask very personal questions while trying to sign up for an account, under the pretence of safety, and privacy law and regulations. Claiming other banks do the same, while my experience with signing up at other banks was clearly not the same, but way better without the personal questions which are none of their business. Since you are a bank, you should know to separate business from too personal things.
You sent me a card but are not allowing me to use it because I don't want to pay for it. Who lost money here?
I can't even sign up because the ID scanning process is broken and just captures a solid green frame (while the camera preview looks fine)
Notification about a payment request should say: expires at DATE/TIME not in 2 days... support chat appears dead! no immediate Answer or acknowledgement just dead!
staff unprofessional
Just made an account, was waiting for it to get verified and i get an email an hour later saying it got closed due to 'suspicious activity'. Fix ur bots yo, i just made the account and didnt even use it yet 😂.
fees too much monthly rate. it's not free bank to used no matter used or not still taking fees but a month 20 plus so I decided that I will closed it soon
App caches when I open it. If you can fix it it would be a great app. Thank you!
Really stupid app, the verification process gives you no explanation with what went wrong, and the AI chatbot for helping is useless, impossible to get to a human agent this app is horrible.
After years of harmony all of a sudden they closed my account They justified it by saying that I am active in risky investments, but I am not involved in any trading.
False information while purchasing crypto from bunq app, final price cost are hidden, as I found myself with extra hidden cost when purchasing, the issue is that when you ultimate you crypto purchase they don't include the spread, spoke to their costumer service show them pics but they didn't listen, transparency must be the minimum standard for a bank app.
I tried to open an account yesterday, and after tapping "GET BUNQ FOR ME" during sign-up, the next screen loaded completely blank/dark with only a blue progress bar at the top. The same thing happened even with all the other sign-up options. I tried clearing the app cache/data, reinstalling the app, restarting my phone, using Wi-Fi and mobile data, and ensuring no VPN was active. My device is also running on the Samsung latest 1UI 8.5. I toggled dark mode off, and none of these actions resolved.
The app is good, but I'd love to customize my experience. I'm not interested in cryptos and I have my investings somewhere else. I use bunq instead for payments, interest in savings, joint account with my gf and some other useful things. I wish the app allowed to hide all of these services I don't use and for it to stop spamming me with things I could invest on. For the rest, it's really great!! :) Edit: having to pay a subscription to use a physical card? no way
there is a bug in the app because i am trying to open a bank account but still not receving sms code
Account closed after 5 years without any explanation with the Elite subscription Edit : still I don't know what was the issue
This app is a total letdown. To even sign up, you need a German residency permit, which is a huge barrier for international students like me who only have a student visa. Talk about being "international friendly" 😒
they over complicated everything at the registration phase and than blocked some of my money with the account that's how banking works in the Netherlands?? I guess I will go back to Revolut
The bank is fine for basic banking. However don't bother with the business version. you get the core package, and if you try to do anything inside the app, itll force you to a marketing page you can't skip to get into a higher version. don't bother going to the helpdesk, since you'll get an AI that hallucinates answers to you. Good tip - maybe add a "Skip" button to your sketchy market pushes for higher subscriptions, or at least update your tools to say "you need the higher subscription"
🤯Misleading practices. They advertise "zero foreign exchange fees" but in reality is 0.5% just with a different name "buffer fee blablabla". Zero is zero. Without but. Pathetic. And the 24/7 support is just a robot repeating the same thing and impossible to get a human.
scam and froze account just to make sure they can use yoyr funds for they fishy transactions. Providing 0 requested official information what is mandatory. yet they're demanding information on third party. also if thee is a charge back they claiming they never had yoyr money back ,even though you can actually prove it is cam back like 20 days ago.
not good
I find the new layout very ugly and messier that the previous one. Leaving now for Revolut.
Terrible experience with account registration. Some time ago tried to register private account and couldn't. In few years wanted to open a bank account for a BV, got lots of questions, which were in a loop with no end in the process. After 2 months gave up and opened bank account in another bank.
Under no circumstance should you open a business account. Before opening I reached out via Mail to ask whether they would work with me and the use case. The answer was yes. It took 5+ days to create a business account. Instead of asking for all information at once they spammed me over the span of 5 days to provide more information and documents. After providing all documents, they just denied the business account with no justification whatsoever. transparency: 1/5 lying AI chat/Mail support 1/5
The worst customer service imaginable. They will keep you roaming in circles until you understand they won't help. And don't be surprised if they tell you or offer one thing and then it will be something completely different or not working at all ! The updated documents they expect to be provided 3 months before expiry. From which planet are you guys ? are you familiar with documents renewal processes? No one is professional there and they do not seem to know basics! This app should be banned.
this a joke of a bank the app shows stuff that's not there and doesn't show correctly merchants support and changes in the account you won't be able to bank safely with these guys. And to further with your pointless answer: I AM IN CONTACT WITH YOUR SUPPORT, SINCE THREE DAYS, and no one responds besides a CHAT, 100% of the time initiated by a BOT. 😶 Your support is not making a stand, not sharing an email and not providing evidence on the WHY your app shows duplicate information and wrong data.
Don't use Bunq, scammy, terrible app. I was signed up for Bunq elite without my consent or knowledge, and my account was drained and put into a negative balance. Don't use this terrible fake bank. Complaint has been sent to the financial regulator for scummy business practices.
in your ad you said bsn no problem but I have bsn but I found it difficult to continue it a way you assist me...thank you
RUN RUN RUN!!! AVOID BUNQ Bunq hold my money and block me out of my account in the name of Rewiew and said they will open on the 29th April 26. as I writing now, they don't respond and no refund or opening their account so I can withdraw my money, after all the evidence that it a family money. BUNQ RELEASE ME MONEY I have written to the support team, they said they can't do anything. right now, I can't access or speak to anyone. the message i sent to them, I go no response. I am stock here RUN
Ik heb nul interesse om een account bij jullie te hebben en de enige reden dat ik hier terecht kwam is omdat de app van mijn eigen bank niet langer word ondersteund op mijn os versie. En dit één van de weinige "third party" opties leek te zijn.
Promised a 5-minute setup. Many days later I was still being asked for new and new documents every 48 hours with zero explanation. Chat support kept crashing. I gave up and asked them to delete my data. Honestly relieved it fell apart before I handed them any money. A bank that can't handle basic onboarding with app that keeps crashing has no business holding anyone's savings. Make your life easier and avoid them.
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 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.
Ridiculous registration process that rejected my crystal clear identification five times. At least bunq immediately deleted my entire account and private information after abandoning the platform.
Many updates, many bugs. I feel like the app looks different every time I open it. Asks for my code 3 times while accepting a payment. Can't find anything anymore because it changes so often.
their direction changed, UX keeps changing, feels their innovated on the wrong areas, simple, fast, working were the core of their marketing. now their UX changes too much. functions that uses to be a click away for an overview, became hidden under 6 pages, almost on purpose. I used to recommend them a lot, until they changed what was important. the freaking bubble/card homescreen. anyways, I am changing banks, I do not wish to continue paying bunq pro. too expensive for barley usable features
LATEST EDIT: Knocking back to 2*. search function is absolutely awful. search->put in pincode->results disappear->search and enter pin code again->click "access more"->results disappear again->repeat. Incredibly frustrating. Accounting also isn't working currently. Previous edit: Improving from 1* to 3*. Finally an update that simplifies the landing page, removes unnecessary info and widgets. Just keep making the app as simple and functional as possible and people will use it.
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Sentiment summary
67%
Positive (4-5★)
5%
Neutral (3★)
28%
Negative (1-2★)