Yes for retail through the Kraken-powered bunq Crypto tab, and for licensed CASPs on a fiat-only business account. Coins cannot leave the app.
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | partial (1) | source · checked 8 September 2026 |
| Stablecoin off-ramp | partial (1) | unverified |
| Business accounts for Web3 | partial (1) | source · checked 8 September 2026 |
| Custody | partial (1) | source · checked 8 September 2026 |
| Staking and yield | yes (2) | source · checked 8 September 2026 |
| Card | yes (2) | source · checked 8 September 2026 |
| Multiple jurisdictions | yes (2) | source · checked 8 September 2026 |
| Open to retail | yes (2) | source · checked 8 September 2026 |
Total 12 of 16. Yes scores 2, partial 1, no 0. A secondary source is press or a third party rather than the bank or its regulator. Unverified means no source could be found; the score stands until one is.
Scores are revised when a bank's documents change. Each revision is dated and sourced.
| 8 September 2026 | Staking and yield | no to yes | source |
| Jurisdiction | Netherlands |
| Type | Neobank |
| Health tag | Watch Repeat AML fines from the Dutch central bank. The 2025 fine is under appeal. · checked 26 August 2026 |
| P2P tolerance | Mixed Freeze reports cluster around 2021 and EMI-to-EMI transfer chains; since the 2025 Kraken integration its own crypto cash-outs are the intended use. Third-party P2P inbound remains the risk. · community-reported, separate from the score |
| Last verified | 14 September 2026 |
Crypto business terms (1 Sep 2025) · checked 8 Sep 2026 · source
| 2014 | DNB granted bunq B.V. a banking licence on 17 September 2014; the bank is listed in the DNB public register under relation number R127999 with payment services and e-money issuance from the same date. source |
| 2022 | On 18 October 2022 the Trade and Industry Appeals Tribunal (CBb) ruled in bunq's appeal against DNB: it accepted bunq's technology-led transaction monitoring under the Wwft, while upholding DNB's findings on source-of-funds checks and UBO identification. source |
| 2025 | DNB fined bunq EUR 2.6 million on 6 May 2025 for AML failings between January 2021 and May 2022 in four customer files; DNB rejected bunq's objection on 14 October 2025 and bunq lodged an appeal on 24 November 2025. source |
| 2026 | bunq filed a de novo national bank charter application with the OCC on 7 January 2026, its second US attempt after withdrawing a 2023 application. The OCC denied it on 4 August 2026 (disclosed by bunq 7 August), citing supervisory and compliance concerns and a business plan it found unsupported. No penalty was imposed and the decision does not bar a future application. source |
| 2026 | bunq applied to Mexico's banking regulator CNBV on 13 May 2026 for a full banking licence as an Institución de Banca Múltiple, its first move into Latin America. The application is pending. source |
Yes. bunq Crypto lets verified personal customers aged 18 or over buy, sell and swap more than 300 coins from EUR 1. Kraken runs the trading and holds the coins. The fee depends on your plan: 1.99% on Free down to 0.25% on Elite, plus the spread. It is available in 30 EEA countries but not on business accounts.
No. Coins bought in the app stay in Kraken custody. You can sell them back to euros in your bunq account or swap them for another coin, but there is no transfer to an external wallet and no way to deposit crypto from outside.
bunq's personal terms do not name exchanges as a prohibited destination, so a SEPA transfer to an exchange account in your own name is not banned on paper. bunq does block payments its risk engine flags as high-risk, and the terms list active trading in unregulated investments as a prohibited use. Treat large or repeated exchange transfers as something that may be paused for questions.
Only for companies authorised as a CASP under MiCAR and registered with an EU supervisor. The account is fiat only, with a EUR 2,499 onboarding fee and a monthly compliance fee of EUR 499 or EUR 4,999 depending on your average balance. Unlicensed exchanges, miners, token issuers and mixers are refused, and ordinary business plans exclude crypto activity altogether.