How to Cancel bunq

A 9-step walkthrough with real screenshots from the live cancel flow.

~3 minutes Time
1 day ago Updated
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Open bunq Cancel Page Read the 9 steps See bunq pricing & tiers

Quick answer

bunq has no cancel button for a paid plan: you switch to bunq Free, and only in the app. Tap your profile, then Plan, Switch Plan, and pick bunq Free (bunq's own steps). The switch starts when your current billing cycle ends, and plan fees already paid are not refunded. New personal accounts start on a 30-day bunq Elite trial that continues at €18.99 a month unless you switch. In a bunq Pack, Leave Pack moves you to bunq Pro at €9.99 a month, not to Free, so switch plans after that. Close Account on the same screen closes your whole account, which is a separate decision.

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Step-by-step instructions

1

Open your Profile and tap Plan

Plan changes happen in the bunq mobile app only. bunq Web, the browser version, has no plan switch, and bunq's help center points you to the mobile app for anything bunq Web lacks. Open the app, tap your profile (top-left in the current app), then tap the Plan row, which shows the name of the plan you are on.

bunq Profile screen captured in 2024 on a business profile, with a Plan row reading Easy Bank Trial (a plan name bunq has since retired), rows for Accounting, bunq Pack, Company Information (blurred), bunq Payday and Manage Directors, and a green Upgrade Now banner pitching Easy Green Business
2

Tap Switch Plan, not Close Account

The My Plan screen puts Switch Plan at the top. Below it, in red, you may see Leave Pack (only if you are in a bunq Pack) and Close Account. Tap Switch Plan. Close Account does not end a plan: it closes your whole bunq account and blocks payments in and out, which is covered in the last step of this guide.

bunq My Plan screen captured in 2024, headed bunq Pack, with three empty Add slots for Pack members, a Switch Plan row with a green star icon, red Leave Pack and Close Account buttons, and a Learn more about your plan link
3

Pick bunq Free and make your account fit it

Choose bunq Free from the plan list and confirm. Free includes 3 Bank Accounts and 1 digital card, and no physical card, so the app asks you to freeze your physical cards; any card above the new plan's limit stops working until you move back to a plan that includes it. bunq says your account has to fit the new plan's allowance, so check how many Bank Accounts and cards you have active, and keep at least one active Bank Account to act as the billing account. If you want to keep a physical card, bunq Core at €3.99 a month is the cheapest paid plan.

4

Check the date your new plan starts

The switch is not instant. Your new plan starts when the current billing cycle ends, so you keep the paid plan until then, and the fee for that month stays paid: bunq charges plan fees monthly in advance and its terms call them non-refundable. The only change that happens straight away is an upgrade from bunq Free. If you need the switch sooner, bunq says to ask Support in the app.

5
If this applies to you

If you are on the 30-day bunq Elite trial

Every new personal account starts on bunq Elite free for 30 days, counted from your signup date. If you do not switch, it continues at €18.99 a month. Switch to Free during the trial and bunq charges the new plan only after the trial ends, which for Free is nothing. bunq does move an unused trial to Free by itself, but only if all of its conditions hold, among them no outgoing payments, a positive savings balance, no physical card ordered, no Joint Account you own and no linked Child Account. One card order or one payment and you stay on Elite. bunq says it sends an in-app notice a few days before the trial ends; at least one user on r/bunq says theirs came only after the charge, so switch as soon as you know you want Free. If you were already charged, ask Support in the in-app chat: bunq refunds the most recent plan invoice if you have been billed for a plan 3 times or fewer and have never had a plan refund before.

6
If this applies to you

If you are in a bunq Pack, tap Leave Pack and confirm

Picking a cheaper plan inside a Pack does not lower the Pack fee, so to stop paying for the Pack you have to leave it. Tap the red Leave Pack button on the My Plan screen and confirm on the sheet that slides up. Leaving does not drop you to Free: bunq's terms say that if you leave a Pack, or its owner ends it, you become a bunq Pro user on regular pricing, €9.99 a month billed to you, and your billing date may change. If you own the Pack, ending it stops the €28.99 fee but moves every member onto bunq Pro at €9.99 each once the Pack ends, so tell them first.

bunq action sheet captured in 2024 asking Are you sure you want to leave this bunq Pack and revert to Easy Green? (a plan name bunq has since retired), with a red Leave Pack button above a blue Cancel button
7
If this applies to you

Note the date your Pack ends

bunq confirms the exit on a full-screen notice that names the date your Pack subscription stays active until. In the 2024 version of this flow the Pack ran to that date and the account moved to the next plan afterwards. bunq's current help center does not spell out that timing for a member who leaves, so treat the date on your own screen as the one that counts. The plan named on the 2024 screen no longer exists; under today's terms the next plan is bunq Pro.

Purple bunq confirmation screen captured in 2024, headed Your bunq Pack will be cancelled, reading Your Pack subscription will be active until 08/04/2024. Afterwards, you'll go back to Easy Green., with a white View My Plan button
8
If this applies to you

Skip Keep using bunq Pack, then switch from Pro to Free

Back on My Plan, the end-date notice sits above a blue Keep using bunq Pack button, with the Switch Plan row still underneath. Use Switch Plan now to pick bunq Free, so you are not left paying €9.99 a month for bunq Pro once the Pack ends. If the app will not offer Free yet (one Pack member on r/bunq saw only the end date and no other plan), ask Support in the app to set the plan for you; bunq says Support helps when a plan change cannot wait for the end of a billing cycle.

bunq My Plan screen captured in 2024 after leaving a Pack, with the notice Your Pack subscription will be active until 08/04/2024. Afterwards, you'll go back to Easy Green. above a blue Keep using bunq Pack button, a Switch Plan row, and a red Close Account button
9
If this applies to you

If you want to close your bunq account altogether

Switching to Free keeps your account open at no monthly cost. To close it instead, go to Profile, Plan, tap Close Account and confirm with Close my account. That stops monthly fees and blocks payments, but it is reversible: you can still log in, export statements and reactivate later, and you cannot open a new bunq account with the same credentials. You cannot close with more than €15 of debt, or with a Dutch Switch Service running from another bank to bunq. Closing a Business account leaves your Personal account open. If you share a Joint Account, empty it first: bunq's terms say a joint account must be closed once any co-owner leaves. For permanent closure, ask Support in the app with your balance at exactly €0.00 and a confirmed email address, and export every statement first; after permanent closure your first statement request is free and each one after that costs €100.

Frequently Asked Questions

Not for the plan, once the switch takes effect. bunq charges plan fees once a month, in advance, on a fixed date, and a switch to a cheaper plan starts when your current billing cycle ends, so the month you already paid for runs out on your old plan and the next one is free. Two things can still cost money: leaving a bunq Pack puts you on bunq Pro at €9.99 a month until you switch again, and bunq Free has its own usage fees, such as €2.99 per cash withdrawal and 1.5% on card payments abroad above €1,000 a year.

Usually not. bunq's terms call plan fees non-refundable, and a switch lets you use the month you paid for instead. There is one standing exception: if you forgot to switch and got a plan invoice you did not expect, bunq refunds the most recent one through the in-app support chat, as long as you have been billed for a plan 3 times or fewer and have never had a plan refund before. Several users on Reddit report the refund arriving quickly once they asked. Separately, you can withdraw from the whole account agreement within 14 days of opening it, without giving a reason, through the support chat or support@bunq.com, though bunq may charge for what you used before withdrawing.

Every new personal account starts on a 30-day bunq Elite trial, and bunq Elite costs €18.99 a month once the trial ends unless you switch; bunq has a help article with exactly that title. bunq says it sends an in-app notice a few days before the trial ends, though at least one user on r/bunq says theirs arrived only after the charge. The trial moves to bunq Free automatically only if you have barely used the account (no outgoing payments, a positive savings balance and no physical card, among other conditions), so most people who opened the account to use it get billed. Switch to Free under Profile, Plan, Switch Plan, then ask Support for the refund described above.

No. Switching to Free stops the plan fee and keeps your account, IBANs, money and history; you lose paid features such as physical cards, which are frozen rather than cancelled. Close Account is a different button that blocks all payments in and out. Even that is not final: bunq calls it a revertible closure, your money stays covered by the Deposit Guarantee Scheme while it is closed, and you can reactivate by logging in. One r/bunq user found out months later that the account they had closed could still be reopened. If you want it gone for good, ask Support for permanent closure, and export your statements first.

You did not, and there is nothing to cancel there. bunq takes plan fees straight from the Bank Account you set as your billing account, never through the App Store or Google Play, so a bunq plan will not appear in your phone's subscription list, and deleting the app does not stop the fee. The only route is Switch Plan inside the bunq app, or the support chat, which bunq Web also offers, if you cannot get into the app.

Yes, mostly. You can switch plans whenever you like, and an upgrade from bunq Free starts straight away. Frozen physical cards can be reactivated when you move back to a plan that includes them, so keep them. A closed account reopens from the app: log in, tap Reopen account, then Reactivate account. Two things do not come back: a legacy plan such as Easy Savings or Easy Travel, which bunq no longer offers to new customers, and an account you closed permanently through Support, which means opening a new account and verifying your identity again.
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