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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