The bunq Easy Bank Pro Business Credit Card Review 2024
If you travel frequently for business, find yourself with stacks of paper invoices, and need to manage multiple budgets simultaneously, a bunq card could be the right choice for you.
Currently, the following subscription options with credit cards are available in the provider’s business plan:
- Easy Bank Pro XL
- Easy Bank Pro
- Easy Bank
- Easy Card
Below, the benefits and conditions of the Easy Bank Pro for businesses are clearly outlined.
What is bunq?
Bunq Bank is a Dutch online bank (also known as a neobank), founded in 2012 by Ali Niknam. The provider primarily targets customers, both entrepreneurs and private clients, who value modern and transparent account management.
A special feature of bunq is the so-called multi-currency accounts. It is possible to hold accounts that display and calculate exclusively in the local currency, thereby avoiding costly currency conversions.
This makes it particularly interesting for frequent travelers.
Furthermore, the company places great importance on environmental protection. According to bunq, they were able to reduce their CO₂ emissions by 66% in 2022. For every €1000 that customers spend, trees are planted.
Key Benefits of the Business Credit Card
The bunq Easy Bank Pro Business Credit Card offers various features that make it particularly interesting for business owners:
- Multiple Bank Accounts: The offer includes 25 bank accounts.
- High Number of Cards: With this subscription, you receive 3 physical and 26 virtual cards.
- Full Financial Control with Real-time Monitoring: The app allows you to view all expenses in real time, simplifying financial management and enabling precise budget monitoring.
- Card Management and Card Limits: Issue cards for your employees yourself and adjust each card’s limits individually to control expenses. Cards can be immediately locked or unlocked if needed.
- Multi-currency Capability for International Payments: Make payments in multiple currencies without conversion fees.
- Automatic Invoice Capture: Easily scan and pay invoices instantly with the bunq app.
- Automatic VAT Calculation: bunq includes a feature that automatically sets aside the VAT percentage. When it's time for tax filing, you can easily view the amounts. However, this feature can also be turned off.
Costs of the bunq Easy Bank Pro
This provider offers transparent pricing. Here’s a summary:
- Monthly Fee: The bunq Easy Bank Pro costs €13.99 per month. This fee includes all essential features, including management of physical and virtual cards.
- Additional Cards: Each additional physical or virtual card costs €2.99 per month.
- Additional Accounts: Up to three executive accounts are free. After that, each extra account costs €5.99 per month.
- Cash Withdrawals: You can withdraw cash five times per month for €0.99 per withdrawal; after that, each withdrawal costs €2.99.
- Real-time Payments: Each real-time payment costs €0.13.
- International Payments: Foreign currency payments incur no additional conversion fees, and bunq always selects the most favorable exchange rate.
No Hidden Fees: All fees are clearly listed in the price directory or on the website.
Applying for the bunq Easy Bank Pro Business Credit Card
The application process for the bunq Easy Bank Pro is simple and entirely digital. You can download the bunq app and register in just a few steps.
After verifying your business data, you gain access to your bunq Easy Card Business account and can immediately issue cards for yourself and your employees.
Security and Data Protection
bunq places great importance on security. All transactions are protected by state-of-the-art security measures, and you can adjust your card limits or lock individual cards at any time.
With two-factor authentication, your data is further secured, significantly reducing the risk of fraud or unauthorized payments.
Additionally, bunq monitors all transactions. If anything suspicious is detected, you will be notified immediately and can cancel the payment within 24 hours.
bunq is also an officially recognized European bank. Under EU law, your deposits are insured up to €100,000 in the event of provider insolvency.
Credit Card Limit
You can adjust the limits and budgets at any time through "My Plan" in the bunq app and your profile, allowing better oversight of all expenses.
The Easy Bank Pro as a Virtual Credit Card
All bunq business credit cards can be used as “tap to pay.” With this function, you can pay with a single tap using your smartphone. All you need is an NFC-enabled device and the bunq app. The cards can then be easily copied into virtual wallets.
Account Deletion and Cancellation
If you wish to delete your bunq account or cancel the credit card, this can be done quickly and easily through the app.
Simply log in to the app or website, go to “My Plan” and “Settings,” and delete your account or credit card.
However, make sure all transactions are settled beforehand.
Conclusion – Is the Easy Bank Pro Business Credit Card Worth It?
This bunq offering is ideal for all entrepreneurs who want a modern and sustainable platform for budgeting. The provider shines, especially with favorable currency conversions and the high number of additional bank accounts.
If you’re still undecided, feel free to explore other business credit cards in direct comparison!
This bunq offering is ideal for all entrepreneurs who want a modern and sustainable platform for budgeting. The provider shines, especially with favorable currency conversions and the high number of additional bank accounts.
If you’re still undecided, feel free to explore other business credit cards in direct comparison!