# bunq **Type:** [[Business Account]] · [[Issuing]] **Archetype:** [[eu-sme-fintech-market-map|Issuing-led]] **HQ:** Amsterdam, Netherlands **EU licence:** bunq B.V. — De Nederlandsche Bank ([[DNB]]) banking licence **Founded:** 2012 **Target:** Digital nomads, freelancers, EU-mobile businesses; ESG-conscious banking customers --- bunq is a Dutch digital bank (full banking licence, not EMI) with strong environmental positioning. It is best known for its personal banking product but operates a business account tier. Its differentiation is lifestyle and values-led — sustainability features, carbon-neutral card offering, tree-planting per transaction — rather than feature depth for complex SME workflows. **Core products:** - bunq Business account — EU IBAN, multi-currency sub-accounts ("Pockets") - bunq Mastercard — physical and virtual debit cards - Auto VAT — automatically sets aside the VAT portion of every payment into a separate pocket - Travel Card — zero FX fees on card spend abroad - Batch payments — pay multiple contacts in one action **Key context:** bunq holds a full **banking licence** from DNB — not an EMI licence. This gives customer deposits deposit guarantee (DGS) protection up to €100,000, the same as Revolut Bank UAB or Solaris Bank. Its balance-sheet model differs from EMI safeguarding. **Connected:** [[Issuing]] · [[eu-sme-fintech-market-map]] · [[DNB]] · [[Deposit Insurance]] · [[SEPA Credit Transfer]] · [[Revolut Business]] *FintechGraphs · [[about|Who we are]]*