bunq • EUR
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Ingrid Schneider · Updated: 3 September 2026
bunq Elite is the premium current account from Dutch neobank bunq, aimed at customers who want a fully app-based account with a broad feature set and are willing to pay a higher annual fee for it. The account is managed exclusively online and via the bunq app — there is no branch network, so anyone expecting classic counter or phone service should look elsewhere.
According to the database, the account fee is EUR 227.88 per year, roughly EUR 19 per month — placing bunq Elite among the pricier accounts in our comparison. No structured data is available on individual transaction fees (e.g. for transfers or card payments); this doesn't necessarily mean they're free, only that no data was recorded for them. Anyone interested should check bunq's current price list for the Elite tier directly before signing up. No additional costs are listed for an unauthorised overdraft (0% p.a.); no data is available on the terms of an authorised overdraft facility. No sign-up bonus or new-customer premium is on record for this account. The provider's live offer page could not be technically evaluated at the time of research (the page loads its content dynamically), so this review relies solely on the database data.
bunq is a Dutch bank with an EU-wide banking licence and therefore falls under the Dutch deposit guarantee scheme (Depositogarantiestelsel) rather than the German one. Balances are 100% protected up to EUR 100,000 — the statutory EU-wide protection level, just administered via the Dutch rather than the German scheme. In practice this makes little difference to customers in the event of a claim, since both systems are based on the same EU directive. The account is managed exclusively online and via app; there is no branch network. A credit card can optionally be added to the account, though its exact cost is not shown in the available data; bunq does not offer an account-switching service — which would otherwise automatically transfer standing orders from a previous bank — for this account.
According to the target-group data, bunq Elite is aimed broadly at employees, pupils, students, apprentices, retirees, freelancers, the self-employed, and people without employment — in effect, almost every customer group looking for a pure app-based account. Given the comparatively high annual fee, the account is worthwhile mainly for heavy users who actually make use of bunq's extra features (e.g. multiple sub-accounts, card options, multi-currency accounts) — for a simple salary account with occasional transfers, it is generally not the cheapest choice.
On the plus side are the solid, EU-wide deposit protection and the broad target-group focus. On the downside are the high annual fee and the generally patchy data on transaction and foreign fees — it's worth checking the provider's current price list before signing up.
bunq Elite is a purely digital account with solid deposit protection, but at around EUR 228 a year it is also one of the pricier offers in our comparison. Whether the price is worth it depends on how much use is actually made of bunq's extra app features. Anyone looking for a simple, affordable salary account will generally find cheaper alternatives — including the cheaper "Pro" tier from the same provider.
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