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bunq is a European digital bank offering app-based financial services for individuals and businesses. Its platform supports everyday money management, including spending, saving, budgeting, and investing features, with account options designed for people and organizations that manage finances across borders. The company says its users influence product development and that it holds a European banking license. bunq provides services through its regulated entities and branches across supported markets. Account features, fees, eligibility, deposit protections, and investment availability depend on the user’s country and the specific product terms.