bunq Spain review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
bunq Spain suits students and frequent travellers who want a multi-currency account with a Mastercard debit card and no annual fee. It is a Dutch account from bunq B.V., supervised by De Nederlandsche Bank, and currency conversion is the cost that matters, since fees run 0.5% to 3% on each exchange.
Key facts
- Best for
- A free multi-currency debit account for students and travellers who exchange money.
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0.5% to 3% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- bunq B.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 2012 (Source, checked September 26, 2026)
- Support channels
- Email, Chat (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Multi-currency, Crypto, Virtual card, Travel
- Audience
- Students
- Official website
- bunq.com
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0.5% to 3% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- 8 (Source, checked September 26, 2026)
- Legal entity
- bunq B.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 2012 (Source, checked September 26, 2026)
- Support channels
- Email, Chat (Source, checked September 26, 2026)
- Features
- Multi-currency, Crypto, Virtual card, Travel
- Audience
- Students
Pros and cons
Pros
- The free plan carries a monthly fee of €0 and an annual fee of €0, so holding the account costs nothing.
- You can hold 8 currencies in one account, and the free plan lists multi-currency, crypto, virtual card and travel features, multi currency, crypto and virtual card.
- The card runs on Mastercard, mastercard, and is a debit card, debit, so spending comes from the balance you hold.
- De Nederlandsche Bank is the named regulator for bunq B.V., the legal entity behind the account.
Cons
- Conversion is the one charge to plan for: fees run 0.5% to 3% for bunq Spain, and the site median is 1%.
- Support runs on email and chat, email and chat, with no phone channel listed.
Who it suits
- Students, the listed audience, student, who want a debit card and a virtual card without an annual fee.
- People who hold or spend in several currencies, with 8 currencies supported and multi-currency on the feature list, multi currency, crypto and virtual card.
- Travellers who want a Mastercard debit card, mastercard, and a clear exchange cost before they travel.
Who should look elsewhere
- Varo Believe Secured Credit Card, if you want to build credit rather than spend from a multi-currency balance.
- Wise, if you would rather choose on travel conversion cost alone, since its annual fee is also £0.
- Chime Card (Secured Visa Credit Card), if a secured credit card with an annual fee of $0 suits you better than a debit account.
How bunq Spain compares
8.8 vs 9.4
bunq Spain vs Airwallex8.8 vs 9.0
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8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
bunq Spain vs Wirex8.8 vs 9.6
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8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
- 8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.0
8.8 vs 8.0
Where bunq Spain is available
- Available
- Spain
- Licence in Netherlands
- De Nederlandsche Bank, checked September 26, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does bunq Spain cost to keep open?+
The free plan carries a monthly fee of €0 and an annual fee of €0, so there is nothing to pay for the account itself. The charge worth planning for is currency conversion, which is priced separately on each exchange you make.
What does it cost to convert currency?+
Conversion fees run 0.5% to 3% on every exchange, which is the main ongoing cost of the account. You can hold 8 currencies, so keeping a balance in the currency you spend in can cut how often you convert and what you pay.
Who regulates the account?+
bunq Spain is provided by bunq B.V., a legal entity based in the Netherlands, NL, and De Nederlandsche Bank is the named regulator. The regulator is the main thing to check on how the bank is run, and the account terms are where you confirm what happens to your balance.
What card comes with the account?+
The card is a debit card, debit, on the Mastercard network, mastercard, so spending draws on the account balance. The free plan also lists a virtual card, multi currency, crypto and virtual card, which suits online payments where you would rather not use the main card.
Who is bunq Spain aimed at?+
Students are the listed audience, student, and the free plan carries multi-currency, crypto, virtual card and travel features, multi currency, crypto and virtual card. The fit in practice is anyone who wants spending money held in several currencies with no annual fee to pay.
How do I get help if something goes wrong?+
Support runs on email and chat, email and chat, which are the listed routes to an answer. No phone channel is listed, so it is worth knowing that before a blocked payment or a tricky currency exchange.
How established is the company behind the account?+
bunq B.V. was founded in 2012 and is based in the Netherlands, NL. That trading history sits behind the free plan, the Mastercard debit card and the multi-currency setup described on the account.
Sources
- bunq.com checked September 26, 2026
Backs: Audience, Card kind, Pricing model
“Students get bunq for free - bunq Free personal account”
- bunq.com/about checked September 26, 2026
Backs: Founded
“In 2012, founder Ali Niknam set out to build banking”
- bunq.com/about/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Basisweg 32, 1043 AP Amsterdam, The Netherlands”
- bunq.com/personal/features/zero-fx checked September 26, 2026
Backs: Currencies, Currency conversion fee, Card network
“Earn high interest across 8 global currencies”
- bunq.com/personal/plans checked September 26, 2026
Backs: Annual fee
“bunq Free - Free - A simple Personal Account to get started with bunq”
- bunq.com/personal/plans/bunq-free checked September 26, 2026
Backs: Card type, Features, Monthly fee, Support channels
“Every bunq user gets a Credit Card - bunq Free personal account”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Rewards type.
bunq Spain
A free multi-currency debit account for students and travellers who exchange money.