bunq card reader review 2026: tap to pay fees and rating
Neobank with a flat 1.5% rate and no tiering by card type - attractive for merchants with many commercial/foreign cards.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
bunq offers bunq Business Tap to Pay for iOS + Android. Transaction fee: from 1.50%; monthly fee: none. Security certification: n/a. Available in: Netherlands, France, Germany, Spain, Ireland, other EEA markets.
bunq terms in full
| Product name | bunq Business Tap to Pay |
|---|---|
| Provider type | Pure SoftPOS |
| Headquarters | Netherlands (Amsterdam) |
| Founded | 2012 |
| Platforms | both |
| Certification | n/a |
| Transaction fee | 1.5% flat on all cards (FR) |
| Monthly fee | 0 EUR (free account available for sole traders) |
| Setup cost | 0 EUR |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Sole traders / micro-businesses with a bunq business account |
| Available markets | Netherlands, France, Germany, Spain, Ireland, other EEA markets |
| Website | bunq.com |
| Data source | Open primary source ↗ |
Alternatives to bunq
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- Softpay — on request, Rating 2.3
- Hobex — from 0.85%, Rating 2.4
- Tyl by NatWest — from 1.99%, Rating 2.4
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Frequently asked questions
bunq tap to pay: do I need any extra hardware?
No. bunq is a pure SoftPOS provider — the app turns a phone you already own into the card reader, and there is no terminal to buy or rent. Supported platforms: iOS + Android.
Which countries is bunq available in?
By our records: Netherlands, France, Germany, Spain, Ireland, other EEA markets. Availability changes, and the date above the table is when we last checked.