Bunq
✓ Verified by EU AltsSustainable Dutch neobank with powerful automation features — an alternative to Revolut.
Overview
Bunq is a Amsterdam, Netherlands-based European company building banking and fintech software since 2012. Despite its EU base, EU Alts has verified that Bunq is independently owned, with its ultimate ownership based in Netherlands, and hosts customer data with Amazon Web Services (AWS), so it may still fall under the reach of the US CLOUD Act — worth weighing against Stripe on this specific point.
Why European teams pick Bunq
Teams in Europe still consider Bunq for its banking product and Netherlands presence, operating since 2012, but unlike a fully EU-owned provider, Bunq is independently owned, with its ultimate ownership based in Netherlands, and hosts customer data with Amazon Web Services (AWS) — so it does not fully avoid US CLOUD Act exposure the way some other alternatives to Stripe do.
See more EU banking tools or browse other startups from Netherlands.
About
Bunq is a Dutch mobile bank founded in Amsterdam in 2012, holding a full Dutch banking licence from De Nederlandsche Bank with deposit protection up to €100,000. It offers personal and business accounts with multiple IBANs, Mastercard debit cards, group money requests, automatic savings, and an open API for developers. Bunq is known for its environmental commitments — it plants trees for each user's CO2-neutral transactions — and its developer-friendly APIs that allow businesses to automate banking workflows. Bunq operates entirely within the EU with all data processed in the Netherlands. It is popular among Dutch freelancers, SMEs, and digital nomads seeking a modern, API-accessible EU bank.
Details
- Founded
- 2012
- Headquarters
- Amsterdam, Netherlands
- Ownership
- Independently owned (Netherlands)
- Hosting
- Amazon Web Services (AWS)
- CLOUD Act
- Exposed
- Verified
- 2026-07-31
- Last checked
- 2026-07-31
- Company size
- 200+ employees
Compare with the US product you may be replacing
Bunq is listed in a category that our US-product comparison pages cover. See every EU option side by side:
Other EU startups like Bunq
- Revolut ✓ Verified by EU AltsUnited Kingdom — Global fintech app for banking, currency exchange and payments — a UK alternative to traditional banks.
- N26 ✓ Verified by EU AltsGermany — Mobile-first digital bank — a German alternative to traditional banks and Monzo.
- Mollie ✓ Verified by EU AltsNetherlands — Simple payment processing for European businesses — an alternative to Stripe.
- Adyen ✓ Verified by EU AltsNetherlands — Global payments platform used by major enterprises — a European alternative to Stripe and Braintree.
- Payplug ✓ Verified by EU AltsFrance — Simple online and in-person payment solution for French businesses — a French alternative to Stripe.
- Invoicia ✓ Verified by EU AltsNorway — Free, EU-hosted invoicing for sole traders and small businesses: create a PDF invoice in under a minute with no account. Optional free account adds PEPPOL BIS 3.0 XML export and e-mail sending.
Frequently asked questions
What does Bunq do?
Bunq is sustainable dutch neobank with powerful automation features — an alternative to revolut. It is listed under banking and fintech on EU Alts because its core functionality serves teams looking for a European banking tool with EU data residency, typically as a switch away from Stripe.
Is Bunq GDPR compliant?
Bunq is headquartered in Amsterdam, Netherlands and processes user data under the GDPR by default. Customer data processing is supervised by Netherlands's data protection authority, the Autoriteit Persoonsgegevens (AP). However, EU Alts has verified that Bunq is independently owned, with its ultimate ownership based in Netherlands, and hosts customer data with Amazon Web Services (AWS), which means — unlike a fully EU-owned provider — it may still be reachable under the US CLOUD Act, similar to Stripe in that respect.
How do teams switch from Stripe to Bunq?
Teams evaluating a move from Stripe to Bunq should note: Bunq is independently owned, with its ultimate ownership based in Netherlands, and hosts customer data with Amazon Web Services (AWS), so this switch narrows but may not fully close the US CLOUD Act gap. Weigh that against the banking workflow fit before treating it as a complete Schrems II fix.
Where is Bunq based?
Bunq is headquartered in Amsterdam, Netherlands. The company was founded in 2012. Its main website is https://www.bunq.com.