(Formerly bunq “Easy Savings”)

The bunq Business Credit Card on the Free plan is a modern entry point for sole traders and small businesses: €0 monthly fee, virtual card, real-time payments, and ZeroFX for fair exchange rates. Below you’ll find costs & limits plus all other details laid out transparently so you can choose the best business card for your needs.

The following subscription plans with cards are currently available with bunq Business:

This article provides a clear summary of the benefits and terms of the Free Card for businesses.

bunq is a Dutch online bank (also called a neobank) founded in 2012 by Ali Niknam. The provider targets customers—both business and personal—who value modern, easy-to-navigate account management. bunq is particularly known for its “multi-currency accounts.” You can keep accounts that display and settle exclusively in the local currency, helping you avoid expensive currency conversions.

That makes bunq especially interesting for frequent travelers!

The company also places great emphasis on environmental protection. In 2022, bunq reports it reduced its CO₂ emissions by 66% and plants one tree for every €1,000 spent.

This card for businesses stands out for:

Status: according to the official bunq price list (PDF, July 8, 2025) and Help Center.

The bunq Free Business account gives you a clear overview of card features:

You can issue multiple cards for your employees and set individual spending limits.

Management is done via an easy, user-friendly dashboard that gives you insight into all transactions at any time.

You’ll also receive travel tips and recommendations for your business trips and the respective countries.

⇒ Feel free to check out our guide to business credit cards abroad!

Through the bunq login you have full control over all cards and their limits. You can block or activate cards, set limits, and track transactions in real time.

In addition to the physical card, bunq lets you create virtual cards. Virtual cards increase security and enable better control of expenses, as they can’t be lost or stolen.

Under “My Profile” you can create your own budgets and sub-accounts for your employees. These can be adjusted at any time. This way, as a director you always keep an overview of spending.
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The application process is completely digital and, according to the provider, can be completed within minutes. As soon as the company data is verified, you can start paying immediately with your virtual card.

With the bunq Free Business card you can withdraw cash worldwide at ATMs. This costs €2.99 per withdrawal.
There are several options to top up the card, including SEPA transfers and direct deposits via bank account.

If you want to cancel your bunq credit card, it’s quick and straightforward. You simply need to ensure in the user portal that all cards and accounts are deactivated. You should first make sure all outstanding payments are settled.

If you want to delete your bunq account, follow the same steps as described above for the card. In the “My Plan” section there’s also an option to delete your account.

Note: Before deleting, make sure there are no open payments or subscriptions remaining.

Many users appreciate bunq for its budgeting options, sustainability, and low fees. For example, on Trustpilot and Google the provider is rated good to very good.

The bunq Elite Card offers more than the easy card and the following advantages:

Issue employee cards, define budgets (daily/monthly), and block merchant categories or regions if needed. With real-time transparency and virtual cards, you control spending securely and minimize misuse.

This card particularly shines on fees. The cost is very low as long as you don’t withdraw cash or make transfers frequently.
Beyond that, bunq is a modern provider with many helpful tools and services.

If you’re still undecided, feel free to explore more business credit cards in a direct comparison!