specification: API Commons Plans specificationVersion: '0.1' schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans provider: bunq providerId: bunq created: '2026-05-04' # Provenance stamped 2026-08-11: this artifact was written by the API Evangelist # bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35. method: generated modified: '2026-07-12' reconciled: false tags: - Banking - Neobank - Open Banking - PSD2 - Plans description: >- bunq is a European neobank whose Public API access is bundled with a bunq personal or business account rather than sold as a separate developer product. There is no separate per-call API fee for account holders. Personal plans observed at the time of writing are bunq Free (EUR 0), Core (EUR 3.99/mo), Pro (EUR 9.99/mo), and Elite (EUR 18.99/mo); business plans are Free (EUR 0), Core (EUR 7.99/mo), Pro (EUR 13.99/mo), and Elite (EUR 23.99/mo). Sandbox access is open and free and does not require a bunq account. Production API access requires a bunq account; PSD2 / Open Banking access for licensed third-party providers uses a separate eIDAS certificate registration path (typically free of charge for regulated TPPs). Exact monthly account fees change over time and are not fully reconciled here. notes: >- Monthly fees below were read from bunq.com in July 2026 (personal banking-plans and business banking-plans pages) and vary by region and over time. Personal: Free EUR 0, Core EUR 3.99, Pro EUR 9.99, Elite EUR 18.99. Business: Free EUR 0, Core EUR 7.99, Pro EUR 13.99, Elite EUR 23.99. These are bank-account subscription fees, not API fees - the API carries no separate charge. Verify against the current pricing sheet before relying on exact values. sources: - https://www.bunq.com/en-us/documents/pricing-sheet - https://www.bunq.com/en-us/personal-account/banking-plans - https://www.bunq.com/business-account/banking-plans/bunq-pro - https://doc.bunq.com/ - https://doc.bunq.com/basics/rate-limits plans: - id: bunq-sandbox name: Sandbox type: freemium description: >- Free public sandbox environment for evaluating the bunq API. No bunq account required; sandbox users are auto-provisioned via the developer portal or tinker/hackathon toolkit. Subject to the documented per-endpoint throttle. entries: - label: Sandbox API Access name: sandbox_api_access type: flat metric: request limit: -1 timeFrame: usage geo: global unit: 1 price: '0.00' userMultiplied: false elements: - name: Public Documentation - name: Auto-provisioned Sandbox User - name: Full API Surface (test data) - name: Community Support - id: bunq-free name: bunq Free type: free description: >- Free personal account (EUR 0/mo) - the entry point to the bunq ecosystem. Production API use requires an identified account. entries: - label: Account name: account type: flat metric: month limit: 1 timeFrame: month geo: EU unit: 1 price: '0.00' userMultiplied: false elements: - name: Savings Account - name: Personal Identity - id: bunq-core name: bunq Core (Personal) type: subscription description: Entry paid personal account. API access bundled. EUR 3.99/mo observed July 2026. entries: - label: Account Subscription name: account_subscription type: subscription metric: month limit: 1 timeFrame: month geo: EU unit: 1 price: EUR 3.99 / month (verify on pricing sheet) userMultiplied: false elements: - name: Production API Access - name: Multiple Sub-accounts - name: Personal Card - id: bunq-pro name: bunq Pro (Personal) type: subscription description: Higher-tier personal account. API access bundled. EUR 9.99/mo observed July 2026. entries: - label: Account Subscription name: account_subscription type: subscription metric: month limit: 1 timeFrame: month geo: EU unit: 1 price: EUR 9.99 / month (verify on pricing sheet) userMultiplied: false elements: - name: Production API Access - name: Travel Insurance - name: Higher Withdrawal Limits - id: bunq-elite name: bunq Elite (Personal) type: subscription description: Premium personal account tier. API access bundled. EUR 18.99/mo observed July 2026. entries: - label: Account Subscription name: account_subscription type: subscription metric: month limit: 1 timeFrame: month geo: EU unit: 1 price: EUR 18.99 / month (verify on pricing sheet) userMultiplied: false elements: - name: Production API Access - name: Premium Insurance - name: Metal Card - id: bunq-business name: bunq Business (Free / Core / Pro / Elite) type: subscription description: >- Business account family for sole proprietors and SMEs, with production API access. Observed monthly fees ~EUR 7.99 (Core) / 13.99 (Pro) / 23.99 (Elite); the Free business plan is EUR 0 with per-transfer SEPA pricing. Verify on the pricing sheet. entries: - label: Business Account Subscription name: business_subscription type: subscription metric: month limit: 1 timeFrame: month geo: EU unit: 1 price: EUR 0 - 23.99 / month by tier (see vendor pricing sheet) userMultiplied: false elements: - name: Production API Access - name: Business IBAN - name: Multi-currency Support - id: bunq-psd2-tpp name: PSD2 Third-Party Provider type: enterprise description: >- Regulated PSD2 access for licensed AISP / PISP / CBPII third-party providers. Requires eIDAS QWAC / QSeal certificates and registration with bunq. Typically free of charge for regulated TPPs under the PSD2 framework. entries: - label: PSD2 API Access name: psd2_api_access type: flat metric: request limit: -1 timeFrame: usage geo: EU unit: 1 price: '0.00' userMultiplied: false elements: - name: Account Information Service (AIS) - name: Payment Initiation Service (PIS) - name: Confirmation of Funds (CBPII) - name: eIDAS Certificate Authentication maintainers: - FN: Kin Lane email: kin@apievangelist.com