With bunq +1, you’ll experience the ease of a joint account, whenever you want, with whomever you want. No branch visits, no paperwork, no waiting lines.
Discover how it works down below!
(Available with app versions 13.12.0 or higher)
How do I set it up?
If you don’t share a sub-account yet:
You can invite people as your +1 and share a joint-account with them, if you are a Premium, Business or Supergreen user by following these steps:
- Go to Home tab
- Tap on ⚡️
- Select Joint Account
- Invite the person you want to share the sub-account with by entering their phone number or email address
- Confirm to send the invite
Once that's done, the people you invited will get a notification on the bunq app. If they aren’t bunq users yet, they will receive an SMS with a link to join bunq and get access to your shared bank account!
As soon as the person you invited accepts the invite, we'll notify you via your bunq app, so you can start using your shared bank account together!
How do I manage my +1s?
- Go to Profile tab
- Tap on Events
- Click on Connected Users
- Go to your existing +1 and tap on Delete +1
- Or tap on ⚡️ to add a new +1
Frequently asked questions
What subscription do I need to invite someone as my +1?
You’ll be able to invite your partner or friends to join bunq as your +1 if you have a Premium or Supergreen subscription.
Can my +1 choose which type of card they get?
As a +1, you can choose between all our plastic cards, meaning you can pick a Maestro, Mastercard Debit or Travel Card.
How many cards can my +1 get?
Each of your +1 will be able to share one of your sub-accounts and get a free plastic card of their choice. If they prefer having more than one card, they can always upgrade to Premium or Premium SuperGreen.
Can I add my partner as a +1 to an existing sub-account
You can invite your partner to become your +1 to a joint account you are already sharing. For this you’ll need to go to the settings of the sub-account, tap on co-owner, select your partner and invite him/her to become your +1. If your partner isn’t a bunq user yet, you can invite him/her following the steps shown above in “How do I set it up”.
If you are already sharing more than one Joint sub-account, the app will ask you to close the additional accounts.
Can I add my partner as my +1 if I'm in a Pack?
Yes! If you are a member of a Pack, you can invite your friends, family members and partner as your +1. Each of them will get a free card of his/her choice for only €2,99 per person.
**Do +1 users have access to all Premium features? **
Almost yes! Users invited to share an account will have access to: Apple Pay & Google Pay, Tap & Pay, Zero FX, Slice Groups, Split receipts by scanning them, API, Cash Deposits, Balance Prediction, Freedom of Choice, TransferWise, Insights, Invoice scanning and bunq Web.
How many sub-accounts can a +1 have?
A +1 will be able to spend money with a personal card only from the account they were invited to join. If they wish to have more sub-accounts, they can upgrade to Premium, which includes 25 IBANs per person.
Is this shared account included in the 25 sub-accounts of my membership?
No. If you already have 25 sub-accounts, you’ll be able to create a new one to invite your partner with no additional fee.
Can't I give one of my 25 sub-accounts and one of my 3 cards included in Premium?
As the cards and bank accounts included in Premium are in your name only, it is not possible to give one of them to another person. However, with +1 you will be able to give your partner 1 card of their own and share a bank account with them.
Can I invite more people to become my +1?
Yes! You can invite your friends and family to share one of your sub-account! Each of them will get a free card of his/her choice for only €2,99 per person.
Who can I invite to join bunq as a +1?
You can invite anyone you know as your +1! You partner, your friends, a family member and even your children!
Who is the legal owner of the account
Since the account you will share with your partner is a “Joint sub-account”, all the users sharing the account will legally be its co-owners.
**Do I earn interest on an account I share with my +1? **
Yes! As a Premium, Business or SupeGreen user you will earn interest based on the percentage you own (e.g 50% if you share your sub-account with one person). If your +1 wants to enjoy our interest rate, they will therefore have to upgrade their account.
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