How hard is it to cancel bunq?

To downgrade or change a bunq paid plan (Easy Bank/Money/Green), open the app, tap Profile > Plan > Switch Plan and select the desired plan; you must keep at least one active Bank Account to serve as the billing account. A downgrade takes effect at the end of the current billing cycle (only upgrades from Free apply immediately), so paid features remain until then. If you downgrade to a plan with fewer physical cards, the excess cards are frozen and non-functional rather than cancelled. Refunds are limited: you can request one via in-app chat only if you have been billed no more than three times and never had a prior refund, and bunq refunds the most recent invoice only. Data erasure can be requested via chat or [email protected], subject to legal retention.

How to cancel bunq

• Channels: online (self-serve), email
• Official cancellation page: https://help.bunq.com/articles/how-do-i-change-my-plan
• Pause/freeze: not offered. No pause; you switch (downgrade) plans in-app. The new lower plan takes effect at the end of the current billing cycle, so you keep paid features until then.
• Refund policy: https://help.bunq.com/articles/how-do-i-change-my-plan
• Account/data deletion: You can request erasure via the in-app chat or email [email protected]; bunq deletes collected personal data unless legally required to retain it (see bunq's Data Retention and Disposal Policy), so financial/regulatory records are kept after closure. https://www.bunq.com/privacy

Evidence

• How do I change my plan? - Help Center | bunq (accessed 2026-06-16)
• bunq Privacy Policy (accessed 2026-06-16)
• Last reviewed 2026-06-16 · scope: documented public policy.

Scope & fairness

This is the Documented-Policy tier: it measures how clearly the cancellation policy is published (cited, dated facts), not the behavioural experience of cancelling (Verified-Flow audit pending). Every company is scored on the same five dimensions with the same published weights — scores cannot be bought or removed. It is opinion grounded in disclosed facts, and not legal advice.

Is this wrong? Companies can request a correction ->

Cite this. Cancel Atlas (2026). “bunq — Cancellation Friction Index (NL).” CES-1.1. https://www.cancelatlas.com/c/bunq (CC BY-SA 4.0).

See bunq in the full index -> · How we score · Open data

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