How do I open an account as a child?

bunq

Hey bunqers 🌈

You can easily open a Personal account as a child or a teenager, even if you don’t have your own Identification Document yet.

Child accounts are now available for users in 🇳🇱 The Netherlands, 🇧🇪 Belgium, 🇩🇪 Germany, 🇪🇸 Spain, 🇮🇹 Italy, 🇫🇷 France and 🇮🇪 Ireland.

How do I open my account?

Open the app and tap on Try for Free
Choose the account type For me
Fill in your personal details
Invite your parent to approve your account as your legal guardian

Note 1: You’ll have 90 days to provide us with your Tax Identification Number (TIN) after the verification process is completed.

Note 2: Your parent can approve your request even if they’re not a bunq user yet.

How can I verify their identity?

If you’re under 16 - For children under the age of 16, there's no need for identity verification.
If you’re at an age between 16 and 18 - Once you get verified and turn 16, you’ll receive an in-app notification to complete identity verification. This step secures your account and allows you to log in on a new device without needing parental approval. After we review your Identification Document, we might ask you to verify it again if the previous attempt didn’t meet our requirements (expired or blurry ID, no selfie match).
When you turn 18 - When you turn 18, the link to your parent’s account will be removed automatically, with no changes to your account. About a month before your 18th birthday, you'll need to accept the Terms & Conditions yourself. If not accepted by then, your account will temporarily be unusable until this step is completed.

How can I share my Tax Identification Number (TIN)?

You don’t need to provide your TIN during signup. You’ll have 90 days after the account creation to submit it. To do so, follow these steps:

Go to 👤 Profile
Tap on the TIN event under "Awaiting events"
Provide us with the relevant proof of your TIN

Which subscription plans can I choose from?

You can choose any of our available plans - bunq Free, Core, Pro, or Elite. Additionally, if you’re under 18, you can enjoy bunq Pro for free or upgrade to bunq Elite for just €9 per month!

What steps should my parent take after I invite them to approve my account opening?

After you invite your parent, they’ll get a notification to confirm your account. Once confirmed, you can start using it with all the benefits of your plan.

What if my parent doesn't have a bunq account yet?

No worries! If your parent doesn’t have a bunq Personal account yet, they’ll receive an invitation to create one. The invitation will be sent either via SMS or email, based on the method you’ve used to invite them. They just need to sign up, complete their verification, and get their account verified to accept your invite and approve your account. Once your account gets confirmed, you can start using it with all the benefits of your plan.

My parent created my account. How can I gain access?

To grant you access, your parent can follow these steps:

Go to 👤 Profile
Switch to your child's account from top of the screen
Tap on “Give [child’s name] Access” under your child’s account
Tap on Give Account Access
Provide us with your child’s telephone number or email address
Fill in the confirmation code or proceed with the confirmation email
Set a Security Code
Done ✅

Afterwards, you need to log in from your own device following the steps bellow:

Open the bunq app
Log in with email address/telephone number and the above-set Security Code
You should authenticate yourself by uploading a relevant Identification Document
Done ✅

How can I login without an Identification Document?

If you don’t have a valid identification document due to your age and need to log in on a new device, you can send your parent a login approval request via an in-app notification. Your parent can then approve or decline it directly from their account.

##Why isn't my account verified in 5 minutes?

We have several automated checks to verify your account. If one of these checks fails, we may need to ask you for additional information. This could be any of the following:

Your birth certificate
Adoption papers
Court order confirming custody
Court order establishing legal guardianship
Official documents from the Government or Embassy that clearly show your guardian’s name, your name, and the relationship between you both.

Note: Make sure you provide us with a clear picture of the entire document.