bunq Crypto: plan fees, Kraken custody and staking conditions

bunq Crypto combines a bank-app interface with Kraken’s execution and custody services. Customers can buy, sell, swap and stake supported assets from the Crypto tab. It is a partner service embedded in a banking relationship, with its own crypto terms and pricing.[1]

Price alerts notify customers when a coin reaches a selected value; they do not authorize a trade. Low liquidity can prevent an immediate sale.[3]

The percentage applies to buys, sells and swaps. The confirmation screen shows the transaction’s cost, including the fee and spread; the chart’s midpoint is not the price at which both sides trade. A lower plan-linked percentage therefore does not remove the spread or the cost of maintaining a paid bank plan.[5]

Plan prices are monthly subscriptions for banking services, rather than a per-trade payment. Their economic effect depends on how much the customer trades and whether the other banking features are useful. The illustration above compares transaction charges alone; it does not imply that the lowest percentage produces the lowest total monthly cost for every customer.[6]

A Kraken-held bunq wallet does not provide the access routes of a separate Kraken account. Users needing self-custody transfers or another execution interface should establish those capabilities before relying on them.[4]

Kraken safeguards the crypto in the customer’s name and controls the private keys. bunq’s risk page distinguishes this from a savings deposit: crypto is outside deposit-protection coverage. The interface may place bank cash and investments close together, but their custodians and protection arrangements remain different.[8]

For eligible bank deposits, bunq’s depositor sheet describes Dutch protection up to EUR 100,000 per depositor per credit institution, with accounts at the same institution aggregated. That ceiling belongs to the deposit arrangement. It is not an insurance value for the crypto wallet or a guarantee of staking income.[16]

Eligibility requires a verified personal account, age 18+, verified residential address in a listed EEA country and Kraken verification. Business banking customers cannot use this retail Crypto tab.[3][4]

The February 2026 complaints policy gives a crypto complaint response target of two weeks, extending to six weeks for complex cases. These are published handling targets, not measured response times. An appeal should identify the earlier complaint and follow the policy’s one-month appeal window.[13]

Finn, the AI assistant in the support chat, answers questions about accounts, spending and budgets. Its help page expressly excludes financial or investment advice. The reviewed Finn documentation does not grant it authority to make crypto investment decisions or execute an autonomous trading strategy for the customer.[18]

On 21 April 2026, bunq reported more than EUR 100 million traded and nearly 500,000 trades in the first year after its April 2025 crypto launch. Those are company-reported cumulative activity figures. They are useful evidence of an operating retail service, but do not reveal daily exchange volume, monthly active crypto customers or the amount of crypto in custody.[17]

The same release describes bunq’s role as making crypto available within its banking experience. The profile consequently measures this customer route separately from Kraken’s wider business. Counting every bunq bank customer as a crypto user, or every Kraken trade as bunq activity, would overstate the disclosed scale.[17]

Operator

bunq B.V. interface; Kraken crypto services

Exchange model

Centralised

Service scope

Buy, sell, swap and stake supported cryptocurrencies inside the bunq personal banking app.

Client types

Retail clients

Pricing publication

Public pricing

Funding scope

Eligible EUR bunq bank accounts; no external-wallet withdrawal through the app.

Custody and asset handling

Kraken controls custody; wallet access remains tied to the bunq app.

Client eligibility

Verified personal customers aged 18 or above in the listed EEA countries; Kraken verification required.

Support

In-app support and [email protected]; urgent support and formal complaint routes differ.

Authorisation and registration scope

bunq is a DNB-listed bank. Kraken’s Payward Europe Solutions Limited is an Irish-authorised MiCAR CASP; staking has a separate operator.

Exchange metadata checked 21 Oct 2026Source 1Source 4Source 3Source 14Source 15

A security-related closure can bring an initial 30-day hold on remaining cash and a further review. The closed-account screen provides withdrawal status and statement-export options. These are closure procedures, not a published automatic crypto inactivity deadline. A paid bank subscription is a separate recurring cost, so simply stopping crypto trades should not be treated as cancelling that subscription.[11][6]

bunq’s API documentation covers banking automation. It distinguishes broad personal API-key access from OAuth permissions for third-party applications, but the reviewed reference did not establish customer endpoints for trading this Kraken-held wallet. This profile therefore does not present bunq’s banking API or a normal Kraken API key as an alternative crypto execution channel.[19][20]