bunq, which claims to be one of Europe’s largest neobanks, has made its bunq-as-a-Service offering available to companies across the European Union. The Banking-as-a-Service (BaaS) solution gives businesses direct access to bunq’s banking infrastructure, allowing them to embed advanced financial tools into their own products without developing complex systems from scratch.
First introduced in April 2026 with Dutch Bitcoin platform Blockrise as its anchor partner, the service is now open to mid-sized and enterprise organizations.
Partners can build on bunq’s open API to benefit from strong security standards and rapid processing speeds.
This significantly shortens development timelines, enabling companies to issue virtual cards and process instant SEPA transactions more efficiently.
The platform targets a wide range of sectors, including retail, e-commerce, SaaS providers, mobility services, gig economy platforms, and cryptocurrency businesses.
It supports core functions such as customer fund management, card issuance, and the integration of loyalty programs and subscription features directly into payment flows.
Companies can also facilitate quick conversions between fiat currencies and other assets, creating a unified financial backend for their users.
Payments are modernized with instant settlements and broad acceptance through Mastercard as well as digital wallets like Google Pay and Apple Pay.
All euro deposits processed through the platform receive protection of up to €100,000 under bunq’s European banking license and the Dutch Deposit Guarantee Scheme.
The expansion reflects bunq’s goal of fostering greater collaboration within Europe’s technology sector.
By sharing its infrastructure, bunq aims to accelerate innovation in financial services and simplify banking experiences for millions of additional users through partner applications, extending its reach well beyond its own app.
Early results from the Blockrise partnership highlight the platform’s potential.
Within the first month of integration, 40% of eligible users chose to open their own personal bunq accounts with dedicated IBANs.
Joe Wilson, Chief Evangelist at bunq, noted that the company has spent years developing technology focused on making financial management simpler for users.
With bunq-as-a-Service, this approach now supports leading European companies in delivering similar benefits to their own customers.
Partners retain full control over the user journey and focus on creating excellent experiences, while bunq handles licensing, compliance, security, and core infrastructure.
Businesses interested in integrating the service can find more details on bunq’s dedicated business resources page.bunq has built its position as a user-centric digital bank by designing services around the real needs of mobile individuals and businesses.
Its offerings support seamless spending, saving, budgeting, and investing. As the world’s first bank powered by generative AI, bunq delivers secure, round-the-clock financial assistance.
The company achieved several milestones, including obtaining one of the first new European banking licenses in decades, raising substantial funding, and reaching structural profitability. It continues expanding internationally with relevant US licenses and additional global plans.