7 everyday bunq features that changed the way I bank

After five years of stashing my money in a bunq Pro account (aside from a short-lived stint with ING), I’m ready to claim: yes, it has a price tag, but yes, that price tag is worth it. 

bunq offers plenty of tools for long-term wealth building, like crypto and stocks. But what really won me over are the everyday banking features that make managing money feel surprisingly satisfying.

Here are the features that genuinely changed how I handle my finances.

1. Opening up to 25 bank accounts (with their own IBANs!)

I currently use 21 bank accounts. Each one is dedicated to a specific expense or saving goal: groceries, insurance, flights home, house renovations, and even municipality taxes.

Excessive? Maybe. Effective? Absolutely.

Every weekly, monthly, quarterly, and once-a-year payment is already accounted for before it arrives. Instead of dreading bills, I know the money is already set aside.

The real advantage of bunq Pro is that every account has its own IBAN. In a country powered by direct debits, that matters.

My health insurance pulls from the IBAN for my health insurance account. Municipality taxes come from my tax pot. Everything goes exactly where it should.

You might think it’s hectic to have this many bank accounts, but nope. They’re all sorted into folders, and I even have pictures uploaded for each account — purely for the ✨ aesthetic ✨, of course. 

2. Having my salary sorted automatically

If you’re imagining me manually distributing my salary across 21 accounts every month, don’t worry.

With Organise Your Income, bunq recognises my salary the second it lands and automatically divides it just the way I like.

Woosh! My salary is immediately digitally chopped up and distributed into 20 other accounts before I even have a chance to spend it. 

Savings for flights to Australia? Check. House fund? Done. Insurance? Covered.

It means my money has a plan before I do anything with it. Total gamechanger. That alone changed how I manage my finances.

3. Manually approving direct debits

The Dutch love direct debits. However, I love control.

With bunq, every direct debit request can ask for approval first. Health insurance, Swapfiets, and internet bills. I receive a notification and decide when the payment goes through. I can even switch the account it comes from.

Prefer things to run automatically? You can simply select “Always accept this direct debit”, and future payments will go through without approval.

4. Keeping total control over my bank cards

bunq Pro gives me three physical cards and up to 25 digital ones, each connected to whichever account I choose.

But hey, say I’m running around purchasing things for a DIY project in my bedroom. I just pay everything from my personal account, sit down later, tally it all up, and then make a manual transfer…right? 

Nope. With bunq, I just open a card in my bunq app and change the account the card takes money from. Instead of the card taking money from my Daily account, it takes it from my Home account instead. When I’m done? Switch it back in just a few taps. 

I can also change my PIN in the app, customise colours and icons in my Apple Wallet, and set everything up exactly how I like it.

With bunq, my cards work for me — not the other way around.

5. “Moving” a payment to another account

If switching your card sounds too involved, bunq has an even easier option: moving payments.

If you pay for something from one account, you can later move that payment to another account with just a few taps.

For example, if I buy a present using my everyday account but realise it should come from my partner’s and my shared gifts account, I simply open the transaction, tap “Move”, and select the correct account.

6. Having Round Up to save money while on the go

Alright, saving is hard — but what if you could save without even realising it?

With Auto Round Up, bunq rounds each purchase up to the nearest €1 or €5 and transfers the difference into a savings account.

Those small amounts add up surprisingly quickly. By rounding up to the nearest euro, I saved almost €200 in five months without noticing it.

7. No hidden foreign currency fees with ZeroFX

Nothing ruins a trip abroad like coming home to dozens of small currency conversion charges.

Luckily, that doesn’t matter when you have bunq Pro. With this account, you pay exactly zero hidden currency conversion fees — AND you receive the real Mastercard exchange rate. That rate is almost the same as the one that you see on Google. 

There is a 0.50% markup to cover currency fluctuations, but compared to traditional banks, the difference is noticeable. For anyone who travels frequently, it’s a clear win.

Want to bask in these bank features? bunq has a Dutch banking license, and deposits are protected up to €100,000.

What’s your favourite bunq feature? Share it in the comments below!