bunq Ireland 2026 | Irish IBAN, plans, fees and interest

bunq is a Dutch bank, bunq B.V., and it is open to Irish residents in 2026. Unlike N26, it gives Irish customers an Irish IBAN — on every plan, including the free one.

Figures below come from bunq’s Irish pricing information sheet dated 29 January 2026, which is the Ireland-specific document rather than the global marketing pages.

Plans and prices

Plan	Monthly price	Sub-accounts	Free physical cards
Free	€0	3	None
Core	€3.99	5	1
Pro	€9.99	25	3
Elite	€18.99	25	3

bunq renamed its plans — the old Easy Bank, Easy Money and Easy Green names are gone. If you find those quoted somewhere, the page is out of date.

Irish IBANs

Irish residents get an Irish IBAN automatically on every plan, with the Irish BIC BUNQIE22XXX. If you already had a bunq account with a Dutch IBAN and then moved to Ireland, you keep the Dutch one and get an Irish one alongside it.

This is the practical reason to pick bunq over N26 if you want a digital bank as your main account: Irish payroll systems, social welfare and direct debit originators handle an IE IBAN without argument.

Cards

Network: Mastercard only. bunq retired Maestro on 30 August 2024 and replaced it with Mastercard Debit. There is no Visa option.

Card costs are where bunq gets expensive, and they are easy to miss:

Item	Cost
Additional physical Mastercard	€9.99 to issue, then €3.49 per month each
Card personalisation	€9.99
Replacement card	€9.99 (one free a year on Pro and Elite)
Metal card	€99, Pro and Elite only
Extra virtual cards	€19.99 per month per 25 cards

A free plan with no card included is not much use on its own — you either pay €9.99 plus €3.49 a month for a physical card, or you run it as a virtual-card-only account.

FX and ATM fees

Card spending abroad. On Core, Pro and Elite you pay the real Mastercard rate plus 0.5%, with no cap. On Free you pay the real rate plus 0.5% on the first €1,000 a year, then 1.5%.

Note that bunq’s global marketing pages advertise “ZeroFX” and free foreign-currency allowances on its higher plans. The Ireland-specific pricing sheet shows a flat 0.5% instead. Where the two conflict, the Irish document is the one that governs an Irish account — but check the app before relying on either.

ATM withdrawals per month:

Plan	Withdrawal costs
Free	€2.99 from the first withdrawal
Core	First 5 at €0.99, then €2.99
Pro and Elite	First 6 free, next 5 at €0.99, then €2.99

Non-euro withdrawals cost the same, plus 0.5% where a conversion is needed.

Interest on savings

bunq pays 1.51% AER base and 3.01% AER bonus on euro balances, effective 1 July 2026, at the same rate on all four plans. Interest is paid weekly and capped at €100,000 — anything above that earns nothing. You need a bunq Savings Account, and the personal threshold is recalculated on 1 January and 1 July.

The rate is variable and bunq changes it. Check the current figure before you move money.

No credit in Ireland

bunq does not offer a credit card, an overdraft or a personal loan in Ireland. Its mortgage product is Netherlands-only.

bunq does market something it calls a “Credit Card”. It is not a credit facility — the funds have to be in your account. It exists so you have a card that works with merchants such as car hire firms and hotels that insist on a credit card. We have not been able to confirm from bunq whether it operates technically as a charge card, a deferred debit card or a prepaid card, so treat the label with caution.

Deposit protection

bunq deposits are covered by the Dutch deposit guarantee scheme to €100,000 per person. Not the Irish scheme.

Who bunq suits

bunq is the digital bank to pick if you want an Irish IBAN, want to run multiple sub-accounts for budgeting, and want interest on your balance. On those three points it beats both Revolut’s free plan and N26.

It is the wrong choice if you want cheap cash — €2.99 a withdrawal on the free plan is the most expensive ATM access of any provider covered here. And N26 beats it on foreign card spending, because N26 charges nothing where bunq charges 0.5%.

The card fees deserve a second look before you sign up. A €3.99 Core plan with one card is fine; a household wanting three physical cards is paying €3.99 plus two lots of €3.49 a month, which is €10.97.

Frequently asked questions

Is bunq available in Ireland?

Yes. Ireland is explicitly on bunq’s list of countries where you can open a personal account, and bunq publishes an Ireland-specific pricing sheet.

Does bunq give an Irish IBAN?

Yes, automatically, on every plan including the free one. The Irish BIC is BUNQIE22XXX. Existing customers who move to Ireland keep their Dutch IBAN and get an Irish one as well.

Is the bunq card Visa or Mastercard?

Mastercard. bunq discontinued Maestro on 30 August 2024 and does not issue Visa.

Does bunq offer a credit card in Ireland?

No, not as a credit facility. The product bunq calls a Credit Card still spends money you already hold — it exists for merchants that will not take a debit card. There is no bunq overdraft or personal loan in Ireland.

How much interest does bunq pay?

1.51% AER base and 3.01% AER bonus on euro balances as of 1 July 2026, on all plans, paid weekly, on balances up to €100,000. The rate is variable.

Is my money protected with bunq?

By the Dutch deposit guarantee scheme, up to €100,000 per person. Not the Irish Deposit Guarantee Scheme.