Bunq is a well-known Dutch neobank that has grown rapidly across the European Union. With a mobile-first approach and a strong focus on automation, Bunq appeals to freelancers, SMEs, and individuals operating primarily within Europe. However, its limited availability outside the EU especially its discontinued UK onboarding and minimal US presence raises an important question: is Bunq the right choice for globally minded businesses, or does Easykonto offer a better alternative?
In this article, we compare Bunq and Easykonto across features, pricing, availability, compliance, and use cases to help you decide which platform fits your business needs.
Key Takeaways
Bunq is a Netherlands-based neobank serving the EU market with personal and business accounts that support 22 currencies. It offers debit cards, savings accounts, expense management tools, and API access, making it attractive to tech-savvy European users.
Easykonto, on the other hand, is designed specifically for international businesses. It focuses on fast onboarding, multi-currency business accounts, broad country coverage, and fewer geographic restrictions making it more suitable for companies operating across borders.
Overview: Bunq vs Easykonto
Bunq launched in 2015 following the financial crisis, positioning itself as a modern alternative to traditional European banks. It now serves millions of users and operates under a full European banking license issued by the Dutch National Bank. This means customer deposits are protected under the EU Deposit Guarantee Scheme up to €100,000.
Easykonto operates under an Electronic Money Institution (EMI) model and partners with regulated banks to provide IBAN accounts and international payment services. Instead of focusing on consumer banking, Easykonto is built for entrepreneurs, SMEs, startups, and international founders who need flexible global payment infrastructure.
Account Access and Availability
Bunq primarily serves customers located in the European Economic Area. Personal accounts are available in most EU countries, while business accounts are limited to select jurisdictions such as the Netherlands, Germany, France, Spain, Italy, Ireland, and a few others. Since Brexit, Bunq has stopped onboarding UK customers and, as of late 2025, has not resumed UK operations. Its US expansion remains limited.
Easykonto offers a much broader reach. Businesses from over 180 countries can open an account without needing local residency. Easykonto provides access to EU IBANs, UK account details, and international payment rails, allowing companies to operate globally from day one.
Pricing and Account Structure
Bunq uses a tiered pricing model. Business plans range from approximately €17.99 to €23.99 per month, depending on features. A free business plan exists only for sole proprietors, but it lacks physical cards and advanced functionality. Personal accounts range from free to around €18.99 per month.
Easykonto follows a business-first pricing structure with no sign-up fees and transparent monthly costs. It is designed to scale with the business, offering multi-user access, international transfers, and operational features without forcing upgrades into higher tiers just to unlock basic functionality.
Currency Support and Payments
Bunq supports 22 currencies and provides multiple IBANs per account. Higher-tier users can create foreign EU IBANs, allowing businesses to receive local payments in select European countries. Payments are mainly routed through SEPA, and international transfers are available but less flexible for non-EU use cases.
Easykonto supports over 30 currencies and integrates multiple payment networks, including SEPA, SWIFT, and UK Faster Payments. Businesses can hold, send, and receive funds globally, making Easykonto more suitable for cross-border trade, international clients, and remote teams.
Cards, Expenses, and Team Access
Bunq issues physical and virtual debit cards and offers strong expense management features, including employee cards, spending limits, and receipt uploads. These features are well integrated into the Bunq app but are often tied to higher-tier plans.
Easykonto focuses less on consumer-style card features and more on operational flexibility. It allows businesses to add multiple team members, assign roles, and manage payments centrally. While card issuance is evolving, Easykonto integrates easily with external payment providers and gateways.
Bulk Payments and Transaction Limits
Bunq imposes daily transaction limits, typically capped at around €1 million across all activity, with lower limits on specific actions. Bulk and batch payments are limited and no longer fully supported in the app, though some functionality remains available via API.
Easykonto is built with high-volume business usage in mind. It supports bulk payments and scheduled transfers without arbitrary daily caps, subject only to compliance checks. This makes it particularly suitable for payroll, supplier payouts, and high-turnover businesses.
Compliance, Regulation, and Fund Safety
Bunq operates as a fully licensed European bank, which means customer deposits are insured under the EU Deposit Guarantee Scheme. However, Bunq has faced regulatory scrutiny in recent years, including fines related to transaction monitoring deficiencies.
Easykonto operates under strict EMI regulations and safeguards client funds in segregated accounts through regulated banking partners. While EMI accounts do not offer deposit insurance in the same way banks do, they are subject to strong safeguarding, AML, and compliance requirements.
Industry Acceptance and Risk Appetite
Bunq maintains a moderate risk appetite and restricts or limits access for certain industries, including gambling, weapons, some financial services, and potentially crypto-related businesses.
Easykonto is more flexible and crypto-friendly, working with a wider range of industries as long as activities are legal and compliant. This makes it appealing to fintech startups, Web3 companies, and international digital businesses that often struggle with traditional banks.
Which One Should You Choose?
Bunq is a solid choice for individuals and businesses operating strictly within the EU who want a modern banking experience with consumer-friendly features. Its app, cards, and savings tools are well suited for European residents with relatively simple international needs.
Easykonto is better suited for international SMEs, startups, founders, and digital businesses that need fast onboarding, global payment capabilities, flexible compliance, and fewer geographic restrictions.
Final Verdict
If your business is Europe-only and values app-based banking with consumer features, Bunq may be sufficient.
If your business operates across borders, deals with multiple currencies, or plans to scale internationally, Easykonto offers greater flexibility, reach, and operational freedom.
👉 Open an Easykonto account today and access global-ready business banking without borders.