Wat is de kans dat BUNQ in faillissement raakt?

ErFen

In het kader van de huidige economie en gespeculeerde recessies. Hoe “gezond” en toekomstbestendig is BUNQ?

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Erwin I think we don’t need to worry:

New-Azure-Jackal-2943007741

De kans is vrij minimaal en kleiner dan bij de top 5 banken. Bunq heeft inderdaad minder vermogen en weinig leden. Maar bunq leent geen geld uit en je kan niet rood staan. Bunq kan dus aleen failliet raken als ze faillesement opzettelijk veroorzaken. Maar zelfs dan staat jou geld tot 100.000 euro verzekerd. Mocht je meer dan dat hebben zou je het eventueel kunnen verspreiden over meerdere banken. Per bank staat jou geld tot 100.000 euro verzekerd.

Qwerty

Inderdaad, tot €100.000 euro ben je verzekerd. Tevens is de kans nihil gezien ze geen leningen verstrekken.

Jakob-Y

bunq does use some of its money that users deposited for Dutch mortgages. These are not 100% risk-free but in comparison they are quite safe and secure. There is also a bit of the money invested in green bonds. Most of the money is just parked on central bank accounts, though. Overall the risk of bunq going bankrupt and losing your deposited money should therefore be indeed a lot lower than at most other (big) banks. And then there‘s of course still the deposit guarantee that we as bunq users are protected by.

If you‘re interested in this, definitely check out all the documents provided here: https://www.bunq.com/policies/transparency and last but not least https://www.bunq.com/legal/climate-report this „Climate Report“ actually has a lot of information about how the deposited money is used 👍

pqckmqn

It’s also notable that bunq announced in it‘s annual report (2020 if I remember correctly?) that they will get profitable soon, so with all this, it would be very unlikely to see bunq go bankrupt.