Termsand C onditions,bunqPersonal, C ontent:,-Termsand C onditions,-bunq C ardRules,Termsand C onditions,1.Welcome,Hi,it'sgreattoseeyou'reinterestedinabunqpersonalaccount! C ompleteyour,registrationnowtodiscoverouramazingfeatures.,Letusintroduceourselves:Wearebunq–bankofTheFree.Weareanewtypeof,bankwithabankinglicensefromtheDutch C entralBank(DeNederlandsche,Bank).,Doyouwanttoknowmoreaboutourbankinglicense?Havealookatthe‘bank,register’providedbytheDutch C entralBankonwww.dnb.nl.,Doyouwanttosendusapostcard?OuraddressisNaritaweg131-133,1043BS,Amsterdam.TofindusintheDutchTradeRegister(KamervanKoophandel),,lookforbunqB.V.orthefollowingnumber:54992060.,Whenyouopenanaccountwithus,youwillbeenteringintoanagreementwith,bunqB.V.,aDutchfinancialinstitution,andnotwithanyofourforeignbranches.,ThismeansyouwillhaveaDutchaccount,regulatedbyDutchlaw,regardlessif,anon-DutchInternationalBankAccountNumber(IBAN)islinkedtoyour,account.,Legaldocumentsarenormallyaboringread,butwebelievethisneednotbethe,case.That’swhyweaskedJ.K.Rowlingtowriteours.Unfortunately,shewas,busy,soourlegalteamtookupthechallenge.Enjoytheread!,2.Plans,bunqtrial,Whenyousignupforanewbunqaccountyouwillautomaticallygetafreetrial,ofbunqEasy G reenPersonal.YouareallowedtoswitchtoanotherPlanduring,thetrialperiod.Afterthetrialends,youwillautomaticallybeconvertedtoapaid,versionofyourcurrentPlan.Youarefreetocancelyourtrialatanytimeduring,thetrialperiod.,bunqe-money,Whenyoufirstsignupwiththebunqapp,wewillinitiallyopenane-money,accountforyou,unlessyoudecidetogothroughverificationrightaway.Your,e-moneyaccountisarestrictedaccountwhichallowsyoutotryouramazing,app.Someimportantrestrictionsare:,−bunqe-moneyaccountsaresolelyintendedforthepurchaseofgoods,andservices.Inotherwords,theyarenotmeanttobeusedfor,person-to-persontransfers;,−youmaywithdrawmoneyfromyoure-moneyaccountbyexecutinga,paymenttoabankaccountinyournameatanotherbank.Pleaserefrain,fromwithdrawingmoneytoanaccountthatisnotownedbyyou;,2,−pleaserefrainfromspendingyoure-moneyoutsideofyourcountryof,residence.,Youcanfindalltheapplicablerestrictionsinthebunqappandonbunq,Together.,Incaseyoulikeourservices,andweareconfidentyouwill,youcanupgrade,youraccountbygoingthroughouridentityverificationprocess.Onceyouhave,verifiedyouridentity,wewillautomaticallyconvertyoure-moneyaccountintoa,bankaccountandyoure-moneyintoeuros.,Thesetermsandconditionsapply,asfarasrelevant,toyouandyoure-money,account.,Youareonlyallowedtoopenonee-moneyaccountforyourself.Ifweknowor,suspectthatyouhavemorethanoneaccount,wemayimmediatelycloseallthe,accounts.,Incasewecloseyouraccount,wewillreturnanyremainingfundstothe,accountsyoureceivedtherespectivemoneyfrominalastin-firstoutorder.,Weretaintherighttoaskyouforidentificationatanygivenpointintime,,especiallyincaseofunusualorsuspiciousbehaviour.Wemaydecidetoblock,youraccountuntilidentificationhasbeencompleted.Pleasebeawarethatyou,arerequiredtoprovideuswithaccuratepersonalinformation.Failuretodoso,mayleadtotheclosureofyouraccount.,Beaware,youre-moneyaccountislinkedtothebunqappinstallationonyour,phone.Thismeansthatifyouloseyourphoneordeletethebunqapp,youlose,accesstoyoure-moneyaccount.Ifthishappens,wewillnotbeabletorecover,youraccountforyou.,Ane-moneyaccountisnota‘normal’bankaccount.Thismeansyouraccountis,notcoveredbytheDutchDeposit G uaranteeScheme.Also,wearenotableto,provideaccountstatementsforunverifiedaccounts.Pleasecheckbunq,Togetherformoreinformationone-money.,bunqEasyMoneyPersonal,WithbunqEasyMoneyPersonalyougetabankaccountbunqstyle!These,Terms&.
C onditionsapply,asfarasrelevant,tobunqEasyMoneyPersonal,accounts.Pleasehavealookatourwebsite(www.bunq.com)forthespecificsof,thisPlan.,bunqEasy G reenPersonal,WithabunqEasy G reenPersonalaccount,wewillplantonetreeforevery€100,youspendwithyourbunqcards.Evenmoreexciting,yougettoseeyourpositive,impactontheenvironmentinyourvirtualforestinthebunqapp!,Theseterms&conditionsapply,asfarasrelevant,tobunqEasy G reenPersonal.,Pleasehavealookatourwebsite(www.bunq.com)forthespecificsofthisPlan.,bunqEasyTravel,3,WealsoofferthebunqEasyTravelplan,whichisa‘cardonly’Plan.Thereareno,accountfeesincluded,youonlypayaone-timefeeforyourbunqTravel C ard.,That’sit!Youcanusethiscardforyourpaymentsanywhereintheworldandadd,fundstothecardbyusingourtopupfeature.,Theseterms&conditionsapply,asfarasrelevant,tobunqEasyTravelplan.,PleasealsoseethebunqcardrulesandcheckourpricelistsforbunqTravel C ard,formoreinformationonourwebsite(www.bunq.com).,bunqPack,bunqPackisaspecialgrouppricingpackage.YoucanjoinabunqPackby,acceptinganinvitefromsomeoneelseorbyformingyourownPack.Youcan,formyourownbunqPackbyinvitingfriendsandfamilytojoinyou.,AbunqPackcanconsistofEasyMoneyPersonal,Easy G reenPersonal,Easy,MoneyBusinessandEasy G reenBusinessusers,withamaximumoffourbunq,EasyMoneyPersonal/Easy G reenPersonalusersorthreebunqEasyMoney,Personal/Easy G reenPersonalusersandabunqEasyMoneyBusinessorEasy, G reenBusinessuser.AbunqEasyTraveluserwillbecomeabunqEasyMoney,PersonaluserwhenheorshejoinsaPack.,bunqPackmembersarechargedtogetherinsteadofseparately(exceptforextra,services).ThebunqPackownerischargedforthebunqPackfee.,Youcanleaveapackanytimeyouwant.EverybunqPackownercanterminate,his/herpack.WewillapplyregularbunqEasyMoneyPersonalpricingtoyouin,caseyouleaveaPackorifthePackyou’reingetsterminated.,PleasecheckoutourpricelistsformoreinformationonbunqPack.Youcanfind,thelatestpricelistsonourwebsite(www.bunq.com).,3.
G ettingtoknowyou,Wearelegallyrequiredtogettoknowyoubeforewecanopenanaccountfor,you.That’swhyweaskyouforyourpersonaldetailsanddocumentsduringour,registrationprocess.,Pleasecompletetheregistrationprocesstruthfully.Youcanfindmore,informationabouttheprocessonbunqTogether.,Youareeligibleforabunqaccountif:,−YouareresidentintheEuropeanEconomicArea.,−Youareover18oryouhaveapprovalfromyourlegalrepresentativeifyou,areaminor.,−Youhavetruthfullycompletedtheregistrationprocessandhaveprovided,uswithalltheinformation(incl.documents)wehaverequested.,−Youarenotonanysanctionlistsandhavenotbeenformallyaccusedof,,arrestedfororconvictedofaseriouscrimesuchasfinancialcrime,,4,terrorism,corruption,taxviolation,trafficking,organizedcrimeorany,othersimilaractivity.,−Wedidnotpreviouslycloseorblockyourbunqaccountforanyreason.,Incertaincircumstances,wemaydecideatoursolediscretion,nottoopenan,accountforyouinordertocomplywithourstatutoryobligationsorbecause,yourriskprofiledoesnotfitourriskappetite.,Minors,Areyouundertheageof18andyouwanttoopenanaccountatbunq?That’s,great!,-Howto?,Downloadandinstallourapp.Followtheregistrationprocessandindicatewho,yourparentorotherlegalrepresentativeis.,Asaminor,yourlegalrepresentativeislegallyresponsibleforyouractions.That’s,whywearerequiredtoaskhimorhertoapproveyourregistration.Togain,approvalwewillsendanapprovalrequesttoyourlegalrepresentative.Heorshe,willbeabletoapprovethisrequestviahisorherownbunqaccount.,Insomecases,wemightrequestproofthatyourlegalrepresentativeisqualified,torepresentyou.,-Permission,Byapprovingyourregistration,yourlegalrepresentativegivesyouunconditional,permissiontoindependentlyuseyourbunqaccountandanyrelated(card),services.Yourlegalrepresentativewillstillbe(legally)responsibleforyour,actionsandcanalwaysrevoketheirpermission.Whenyourlegalrepresentative,revokestheirpermission,ouragreementwithyouautomaticallyendsandyou,willnolongerbeabletouseyourbunqaccount.Inthiscase,yourlegal,representativewillgetaccesstothefundsonyourbunqaccount.,-Trees,Webelievethatdoinggoodstartsfromanearlyage.That’swhyallminorsplant,atreeforevery€100theyspendwiththeircards.Therelevantrulesthatapplyto,Easy G reenPersonal,alsoapplyhere.,4.SwitchService,DoyouhaveabankaccountatanotherDutchbankanddoyouwanttoswitch,tobunq?Awesome!ViathebunqappyoucanusetheDutchSwitchServiceto,easilyswitchtoandfrombunq.PleasehavealookatthebunqTerms&, C onditionsSwitchingServicefortheapplicabletermsandconditionson,www.bunq.com.,5,5.SEPA,AbunqpersonalaccountisaSEPAbankaccount.Thebalanceofyourbunq,personalaccountisregisteredinEuro.Thismeanstheaccountisonlysuitable,forpaymentstoandfromotherbanksintheSingleEuroPaymentsArea(SEPA).,SEPAincludesallmemberstatesoftheEuropeanUnionplusNorway,Iceland,,Lichtenstein,Switzerland,SanMarino,Andorra,theUnitedKingdom,Vatican,StateandMonaco.PaymentsfromabankoutsideofSEPA,viaacorrespondent,bankwithinSEPA,arenotsupported.Wemayrejectpaymentstoorfrom,non-SEPAbanks.,6.Ourvision,bunqwasfoundedwithadreamtochangethefinancialsector,that’swhywe,decidednottosupportsomeoldpaymentmethodsandtogiveprioritytonew,technologiesinstead.Inotherwords,wedon’tsupportcheques,butwedo,supportmobilepayments,splittingbills,addingpicturestopaymentsandmore.,Nosupportforoldfashionedpayments,butrealprogresstowardsinstant,payments.,Furthermore,wedon’tinvestinharmfulcompanies,suchasthosewhoproduce,weaponsordestroyourplanet.Wewillkeepyourmoneyclean.Pleasehavea,lookatourSociallyResponsibleInvestingdocumenton,www.bunq.com/terms-investing.,What’smore,wedonotprovidecreditandhencedonotgenerallyallowa,negativebalance,exceptinlimitedsituations,including(butnotlimitedto)as,mentionedinchapters11,20and51.,7.Takeittothelimit!, G otanaccount? G ohavefun!Useyouraccountasmuchasyouwantwithinthe,applicablelimits.Theselimitsareneededtopreventthingsfromgettingoutof,handandtocomplywithapplicablelawsandregulations.Theymaychange,fromtimetotime.YoucanfindtheapplicablelimitsonTogether(see,www.bunq.comorcheckthebunqapp).,8.Interest,Asyouhavejustread,bunqischangingthefinancialsector.Thatiswhywegive,youinterestonallyourbankaccounts!,Theinterestweprovidetoyouiscalculatedattheendofeachday,basedonthe,balanceofallyourbankaccountswithinyourPlan.Attheendofeachmonth,,weaddupthesedailyamountsandputitonyouraccountduringthefirstweek,ofthenextmonth.Formoneytobecountedintheinterestcalculation,itmust,havebeeninyourbankaccountsfortheentireday.Ifyouhavemultiplebank,accountsinyourbunqaccount,movingmoneybetweenthemwillnotaffect,thiscalculation.Ifduringanyofthosedaysyourbalanceisnegative,wewill,settlethenegativeamountwiththepositiveamountsinourcalculations.,6,Interestwillonlybecalculatedduringtheperiodoftimeyouareanactivebunq,EasyMoneyPersonaluser.Additionally,itisrequiredtobeanactivebunqEasy,MoneyPersonaluseronthedatetheinterestispaidouttoyou.,We’veputalimitontheamountoffundsinyourbankaccountstobeincluded,intheinterestcalculations.Ifyour(total)accountbalanceexceedsthiscapped,amount,anyadditionalfundswillnotbepartoftheinterestcalculations.Weare,allowedtochangethecappedamountandapplicableinterestrateatanytimeif,needed.Ofcourse,wewillletyouknowwhenthishappens!Thecurrentinterest,ratesandcappedamountcanbefoundonourwebsiteandTogether,(www.bunq.comorviathebunqapp).,IfyouareabunqPackmember,thecappedamountisdividedbythenumberof,usersinthePack.,9.
C osts,Pleasetakealookatourpricelistsforacompleteoverviewoftheapplicable,rates.Youcanfindthelatestversionsonwww.bunq.com.Theratesmaychange,fromtimetotime.Ifyoudisagreewiththechanges,youcanalwaysterminate,youraccount.
C ostswillbechargedtoyour(billing/primary)account.,Insomecases,wemightincurcostsasaconsequenceofyouractions.For,example:(collection)costsbecauseyoupayuslate,costsrelatingtoaseizureof,(partof)yourfunds,costsrelatingtoaMaster C ardchargebackdisputeorcosts,relatingtoalawsuitordisputeyou’reinvolvedin.Sinceyoucausedthese,additionalcosts,wewillchargeyouforthem.,10.Depositholdingfee,Atbunqweareverycarefulwithyourmoney.Tokeepyourmoneysimpleand,cleanwestoremostofitattheEuropean C entralBank(theE C B).TheE C B,chargesusinterestoverthesefundsandthisiscostingusmoney.Tocoverthese,costswechargeaholdingfeeonaccountswithahighbalance.,Pleasehavealookatourpricelistsformoreinformationon,www.bunq.com/pricing.,11.Showmethemoney!,Billing,Onceamonthwewilldebityourbillingaccountforthemoney(e.g.fees)you,owetous.Ifyouhavemultipleaccountswithus,youcanchoosewhichaccount,weshoulduseasyourbillingaccount.Wewilldosoonafixeddate.Thefirst,collectiondatefollowsthedateyou’veopenedtheaccount,soifyouopened,youraccountonthetwelfthofJuly,youwillbebilledonthetwelfthofAugust.,Fromthenon,youwillbebilledoneverytwelfthofeachmonth.,WhenyoujoinaPack,pleasebeawarethatyourbillingdatemaychange.When,youleaveaPack,youroldbillingcyclewillbecomeeffectiveagain.,7,Wewillcollectallfixedfeesinadvanceandallrunningcostsinarrears.Thefees,arenon-refundable.,Bywayofderogationfromtheabove,certainone-timefees(e.g.thecardorder,fee)willbedebitedimmediatelyfromyouraccount.,Incaseyourbillingaccounthasinsufficientfundstocoveryourdebttous,we,maysettleyourdebtwithanyofyourotheraccounts.,Negativebalance,Nowimagineyouwentonanexpensiveholidayandarerunningalittlelowon,money.Wedebityouraccountandasaconsequenceyourbalancebecomes,negative.Noworries,itcanhappentothebestofus,butpleaserefillyour,balanceassoonaspossible(atleastwithinonemonth).,Whilewegenerallydonotallownegativebalances,certainexceptionsexist,(suchascardpaymentsreversalsorchargebacks).Wecannotpreventthese,fromhappening.Pleasealsoseechapters20and51forotherexamples.,Assoonasyourbalancebecomesnegativewewillstartourdebtcollection,procedure.Thisproceduremightresultina(partial)blockofyouraccount(s),,card(s)and/orAPIaccess.Incaseyoudonotrefillyourbalancewithinone,month,wemightdecidetocloseyouraccountand/ortransferyourdebttoa,collectionagency.,Earlysettlement,Normally,weonlysettlemoneyyouoweuswhentheagreedpaymentdateis,reached.However,ifwehavereasontobelieveyoumightnotbeabletopayus,(e.g.incaseyourfundsareseizedoryouaredeclaredbankrupt),wemightsettle,earlier.Inthissituation,themoneyyouoweusbecomesdueimmediately.,12.Missioncontrol,Withourappyoucanmanageyourbunqaccount,executetransactionsand,chatwithus.Inotherwords,it’syourmissioncontrol!,Weareconstantlydevelopingourapptoadapttochangingcircumstances.This,meanswemightaddcoolnewfeaturesfromtimetotime,butitalsomeanswe,mightblock,changeorremovefeatures.,13.Avatars,nicknames, C ommon G oalsandTribes,Inthebunqapp,youcansetanavatarandanickname.You’refreetochoose,whateveryouwant,butpleasetaketheinterestsofothersintoaccountand,refrainfromusinganavatarornicknamewithasexual,discriminating,,misleading,racist,threatening,illegalorotherwiseunwantednature.,Pleasealsotakeintellectualpropertyrightsintoaccountandrefrainfromusing,picturesornamesifyoudonotpossesstherightstodoso.,8,Thisalsoappliesto C ommon G oalsandTribesandincludes,butisnotlimitedto,,thename,avatar,descriptionandpostedupdatesandcommentsofthe, C ommon G oalorTribe.,14.Whattobringtotheparty?,UsingourservicesisabitlikeaBYO-party.Weprovidethebunqappandyoudo,therest.Thismeansyouareresponsibleforarrangingasuitablemobilephone,withanInternetconnection.Theuseofthird-partyhardware,softwareor,servicesisatyourowncostandrisk.,15.Payments, G eneral,Withthebunqappyoucangiveuspaymentorders.Wewillonlyexecuteorders,afteryouhavegivenusyourapprovalviaourappandhaveauthorizedthe,paymentbydoingso.Togiveanorder,pleaselogintotheappandpressthe,approvalbutton.Forsecurityreasonswewillsometimesaskyoutoconfirmyour,approvalwithanextraaction,forexample,byenteringacodeorthrough,biometricauthentication.Youcanfindmoreinformationaboutgivingand,approvingpaymentordersonTogether(seewww.bunq.comorcheckthebunq,app)., C omparesendingapaymenttosendinganemail;justlikeemails,payment,orderscannotbecancelledoncetheyhavebeenreceivedbyus.Thatis,unless,yousetaspecificdatefortheexecutionofapayment.Inthatcaseyoucan,cancelthepaymentuntilonebusinessdaybeforetheexecutiondate.,Someofourfeatureswillhelpyoutosavetimewhiledraftingpayments,for,examplebypre-fillingcertainpaymentinformation.Pleasebeawareyouare,alwaysresponsibletocheckwhetherthepaymentinformationiscorrectbefore,yousendthepayment.,bunq-to-bunq,Tosendanemail,youhavetoprovideanemailaddress;tosendapayment,,pleaseprovideuswiththeIBANoraliasofthepayee.,Wewillexecuteapaymentthemomentyouapprovetheorder.Ifyouhave,specifiedaspecificdatefortheexecutionoftheorder,theexecutionwilltake,placeonthespecifieddate.,Youcansendpaymentstootherbunqusers24hoursaday,365daysayear.,Transactionsbetweenbunqaccountsarealwaysinstantlyreceivedbythepayee.,Transactionswithnon-bunqaccounts,PleaseprovideuswiththeIBANofthepayeeifyouwanttoinitiateatransaction,toanon-bunqaccount.Pleasehavealookatchapter21incaseyouwanttosend,apaymentwithoutusinganIBAN.,9,Youcansendpaymentstonon-bunqcustomers24hoursaday,365daysayear.,However,suchpaymentordershavetobereceivedbyusonbusinessdays,before15:30 C ETtobeexecutedonthesameday,otherwisetheorderwillbe,executedonthenextbusinessday.,Regularpaymenttransferstonon-bunqaccountsareinstantwhenbothbanks,supportthereal-timepaymentscheme(RT1)ortheTAR G ETInstantPayment,Settlement(TIPS)service.Inothersituations,thepaymentswillbereceivedby,thepayeewithinonebusinessdayafterwehaveexecutedtheorder.Incaseyou,haveenteredaspecificdatefortheexecutionofanorder,wewillexecutethe,orderonthespecifieddate.Ifthespecifieddateisnotabusinessday,theorder,willbeexecutedonthenextbusinessday.,16.Wisepayments,Toenableyoutoeasilytransferfundsinothercurrenciesthaneuro,wework,togetherwithWise.,Ifyouwishtousethisfeatureinthebunqapp,youcanlog-intoyourexisting,Wiseaccountorcreateanaccountonthespot.Whenwecreatetheaccountfor,you,pleaserealizeyou’reenteringanagreementwithWisewhichissubjectto,theirtermsandconditions.Thismeansyouarefullyresponsibleand,accountableforyouruseoftheirservices.Weareallowedtoterminateour,agreementwithyouincaseyouruseofWisebreachesourortheirtermsand,conditions.,WesharepersonaldatawithWisetobeabletoprovidetheseservicestoyou.For,moreinformation,pleaseseeourPrivacy&.
C ookieStatement,whichyoucan,findonwww.bunq.com.,17.MobileWallet,Wewillautomaticallyaddavirtualbunqcardtoyourbunqaccountifyouarea,EasyMoneyPersonalorEasy G reenPersonaluserwithaneligibledevice.You,canaddthiscardtoyourMobileWalletviathebunqapp.,OnceyouhaveaddedacardtoyourMobileWallet,youwillbeabletouseyour,deviceasifitwereacontactlesscardwheneveryouseethecontactless/NF C ,signorthelogooftheMobileWalletprovider.Thecardyoulinkedwillbe,debitedandthetransactionwillshowupinyouroverviewjustlikeanyother,transaction.,WhenyouuseyourMobileWallet,youwillbesubjecttotheMobileWallet,provider’stermsandconditions(includingtheirprivacypolicy).Inaddition,there,maybethirdparty’stermsandconditionsandprivacypolicyapplicabletoyou.It,isyourownresponsibilitytoreadthemandtocomplywiththem.,Somesimplerules,Pleaseuseonlyyourowncard(s)withyourMobileWalletanddonotconduct,anyactivitiesthatcouldbeconsideredmisusage,illegalorcoulddamageour,goodname/reputation.,10,Tokeepinmind,WhenyoulinkacardtoyourMobileWallet,thecardwillgetadifferentcard,numberinthebackground.ThisnumberwillbeusedforyourMobileWallet,transactions.Thisisworthrememberingwhenaskingamerchantforarefund,forsomethingyou’veboughtusingtheMobileWallet.,Pleasebeawarethatsomecontactlessterminalsmayletyoumakepayments,aboveyourcontactlesslimit.,WithinyourMobileWallet,youcanviewyourmostrecenttransactionsofyour,MobileWalletcard(s).,IfyouwouldnolongerliketouseyourMobileWallet,youcansimplyremove,yourcard(s)fromyourMobileWallet.,MakesuretodeleteallofyourinformationinyourMobileWalletwhenyou,changeorswapdevices.,Whatdoesitcost?,TheuseofyourMobileWalletisfreeofchargeforourusersandcomesalong,withthebunqEasyMoneyPersonal,Easy G reenPersonal,EasyMoneyBusiness,andEasy G reenBusinessmemberships.Pleasebeawarethatsomethirdparties,mightchargeyouinrelationtoyouruseofMobileWalletcard(s).,Privacy,WhenyouaddacardtoyourMobileWallet,wemayexchangeinformationwith,theMobileWalletprovidertoverifyyouridentity,checkyoureligibility,andto,preventthepossibilityoffraud.InordertousetheMobileWalletservicesand,successfullyperformMobileWalletpaymentsthroughbunq,wecouldbe,requiredtosharedataaboutyouandyourtransactionswiththeMobileWallet,provider.BasedontheMobileWalletprovider’sruleswearerequiredtoshare,anonymizedinformationrelatingtoyourtransactionswiththeMobileWalletto,enablethemtoimprovetheirpaymentservice.Fromtimetotime,wemay,contactyouabouttheMobileWalletprovidersviadifferentcommunication,channels.Thismightincludesendingyoumarketingmessages.Itispossibleto,deleteyouraccountandendtheuseoftheservicesoftheMobileWallet,provider.Themostuptodateinstructionsonhowtodothiscanbefoundonthe,MobileWalletprovider’ssupportwebsite, C hangesandtermination,We(andtheMobileWalletprovider)mayblock,restrict,suspendorterminate,theuseofyourcard(s)viayourMobileWalletifyoubreachyouragreements,withusoranyotherrelevantagreements(suchastheMobileWallettermsand,conditions).WedonotoperatetheMobileWalletplatformandhavenocontrol,overitsoperations.TheMobileWalletproviderisfullyresponsibleforthe,platformandmaychange,restrict,suspendorterminatetheplatformatany,time.Thismeanswedon’ttakeanyresponsibilityorliabilitywithregardtoyour,MobileWalletandyouruseoftheplatform.Wereservetherighttorevisethese,termsandconditionsatanytimeinaccordancewithyouraccountterms.We,11,furthermorereservetherighttoimplementlimitsontheuseofyourMobile,Walletandtostopofferingorsupportingyour(virtual)card,ortostop,participatinginyourMobileWalletatanytime.,18.MobileNF C payments,ThebunqapphasamobileNF C paymentsfeature.Whenyouactivatethis,featureyouwillbeabletomakepaymentsbyholdingyourphoneclosetoan,NF C enabledpaymentterminal.,ToactivatethemobileNF C paymentsfeature,pleasegotothecardsmenuin,thebunqapp.Youcanactivateanddisablethefeatureanytime.,Requirements,TousethemobileNF C paymentsfeatureyouneedamobilephonewithan,NF C -chipandAndroid5.0orhigher.,Yourphonefurthermoreneedstohaveatleastoneformofaccessprotection,enabled.ByaccessprotectionwemeanaPINcode,pattern,fingerprintorother,equallysecuremethodtoprotectyourphonefromunauthorizeduse.,Makingpayments,OnceyouhaveactivatedthemobileNF C paymentsfeatureyoucanpayat,terminalsacceptingMaestroNF C payments.Youcanrecognizetheseterminals,bytheMaestrologoandNF C symbol.,Tomakeapayment,pleaseholdyourphoneclosetotheNF C readerofthe,terminalwhentheterminalasksforyourcard.,Forsecurityreasons,it’snotpossibletomakemobileNF C paymentswithout,beingloggedintothebunqapp.,PleasetakeintoaccountthatyouwillnotbeabletomakemobileNF C payments,whenyourphoneisturnedoff.Insomecasesyouwillalsoneedanactive,Internetconnectiontomakeapayment., C ardrules,WhenyouactivatethemobileNF C paymentsfeature,yourphonewillfunction,asa'‘virtualcard’,that’swhyourbunqcardrulesapplytothemobileNF C ,paymentsfeature.Youcanfindthebunqcardrulesfurtherdowninthis,document.,19.Hitthebrake,Insomecases,wemayhitthebrakeandrejectapaymentorder.Wewilldosoif:,−yourorderisincompleteorunclear;,−youhaveinsufficientfundstoexecutetheorder;,−thereisasuspicionoffraud,misuse,orotherirregularities;,12,−thetransactionisaboveatransactionlimit;,−thelaworacourtorderprohibitsustoexecutetheorder(e.g.forsecurity,reasons);,−thebankofthepayeeisbasedoutsideSEPA;or,−youdonotkeepyouragreementswithus.,Incasethesituationallowsit,wewillinformyouabouttherejectionandthe,reasonfortherejection.,20.Requestsforpaymentandbunq.me,Theappallowsyoutosendandreceiverequestsforpayment.Withthisfeature,youcaneasilyrequestmoneyfromothersorpayyourdebttosomeone.Youcan,sendrequestsforpaymenttothealiasesofotherbunqusersaswellasemail,addressesandphonenumbersofnon-bunqusers.,Arequestforpaymentisnotadirectdebit.Ifyouacceptarequestforpayment,,yougiveusapaymentorder.Arequestforpaymentcanbewithdrawnuntilthe,recipienthasapprovedorrejectedtherequest.,Pleasecheckeveryrequestthoroughlybeforeyouapproveit!Arequestisnota,paymentobligation;youcanrejectarequest.Pleasecontactusifyouhave,receivedanunwarrantedpaymentrequest.,Topreventspam,pleaseonlysendrequeststopeoplewhoactuallyoweyou,moneyandrefrainfromsendingmisleading,unclearand/orconfusingrequests.,Withtheappyoucanalsoenableyourownpaymentpage,thisiscalled,bunq.me.Youcansharethelinktothispagewithothersandinvitethemto,makeapaymenttoyou.Itisuptothepayertosettheamount,choosethe,paymentmethodandinitiatethepayment.,Withbunq.meyoucaneasilycollectmoneyforasharedpresent,adonationto,charityortorealizeacreativeproject.Youcanenableanddisablebunq.me,throughthebunqapp.,Ifsomeoneinitiatesapaymentonyourbunq.mepage,thebankofthepayment,senderisresponsiblefortransferringthepaymenttous.Wearesubsequently,responsibleforcreditingyourbunqaccountorinitiatingthepaymentbetween,ourinternalaccountandyouraccountatanotherbank.Intheexceptionalcase,wehavecredited/transferredanamounttoyouraccount,butdonotreceivethe,correspondingpaymentfromthebankofthepaymentsender,weareentitled,toreversethecrediting/transfer.Thismayresultinanegativebalanceinyour,account.Byprocessingthepaymenttoyou,wedonotbecomepartofthe,(delivery/payment)obligationsbetweenyouandthesenderofthepayment.,Topreventfraudormisuseofbunq.me,wehaveimplementedseveralusage,limits.Paymentsabovetheselimitswillberefused.Wecanchangetheselimits,fromtimetotimewithoutpriornotice.,13,Onyourbunq.mepagewewilldisplayyournameandIBAN.Thisinformation,willbevisibletoanyonewhovisitsthepage.Byenablingbunq.meyougiveus,permissiontopublishsaidinformation.,Ingeneral,youcanusebunq.measlongasyouwant.Insomecases,wemay,wantorarerequiredtoterminateorblockyourpaymentpage(immediately).,Wewilldosoincasesmentionedin C hapter50.Wewillalsodosoifitmakes,referencetocontentorbrandsofwhichwesuspectyoudonotpossessthe,rightstouse,oritcanmisleadothersintobelievingtheyarepayingadifferent,thirdpartyand/orauthority.,21.Makingpaymentswithbunq.to,Withthebunq.tofeatureyoucansendmoneytopeoplewithoutknowingtheir,IBAN;youjustneedtheirphonenumberoremail.,Howdoesitwork?Toinitiateabunq.topaymentopenthebunqappandinitiate,apaymentasyouwouldnormallydo.However,insteadofenteringtheIBANof,thepayee,youenteraphonenumberoremailaddressofthepayee.Whenyou,subsequentlysendthepayment,thepayeewillreceiveanSMSoremailwitha,link.Ifthepayeeopensthelinkhe/shewillhavetheoptiontoclaimthe,payment,eitherwithbunqorbytypinginhis/herIBANandname.,Ifsomeoneclaimsabunq.topaymentwhichyouhavesent,youwillreceivea,notificationandyouwillbeabletoseetowhichaccountthemoneywas,transferred.,Youcancancelabunq.topaymentuntilitisclaimed.Onceabunq.topaymentis,claimeditcannotbereversed.,Whenyousendabunq.topayment,wedebityouraccountforthetransaction,amountandtemporarilystorethemoneyinoneofouraccountsuntilitiseither,claimedorthepaymentiscancelled/declined.,Therecipientofabunq.topaymenthas5daystoclaimthepayment.Afterthis,periodthetransactioniscancelled.Therecipientalsohastheoptiontodecline,thepayment.,Incaseabunq.topaymentgetscancelledordeclinedthetransactionamountis,returnedtothesenderofthepayment.,Whensomeoneclaimsabunq.topaymentwithbunq,he/shewillhavethe,moneyinstantly.Otherwisetherulesforapaymenttoanon-bunqaccount,apply.,Beawarethatanyonewithaccesstothephoneormailboxtowhichyousenda,bunq.topayment,willbeabletoclaimthepayment.Usingbunq.toisatyour,ownrisk.,14,22.Directdebits,WithaSEPADirectDebitmandateyoucanauthorizeotherpersonsor,companiestodebityouraccount.Thiswillallowthemtodebitmoneyfromyour,accounteitherasaone-offtransactionorasarecurringtransaction.,Directdebitsaregreat,buttheyalsoregularlyleadtounpleasantsurprises.,That’swhywehavedecidedtoputyouincontrol.How?Themomentadirect,debitwouldnormallybedebitedfromyouraccountwewillsendyouarequest,forpayment.Ifyouapprovetherequest,thetransactionamountwillbedebited,fromyouraccount.Ifyourejecttherequest,orifyoudonotaccepttherequest,withinfivecalendardays,wewillcancelthedirectdebitandnomoneywillbe,debitedfromyouraccount.Nounpleasantsurprises,nodebitswithout,mandates:You’reincontrol!,Byacceptingtheseconditions,youauthorizeustocanceladirectdebitonyour,behalfincaseyoudonotaccepttherelatedpaymentrequestwithinfivedays.,Pleasedon’trejectdirectdebitrequestsregularlyandstructurally,andalsodon’t,letthemexpireregularlyandstructurally.Thisisconsideredmisuse.,Youcanpre-approve(whitelist)certaindirectdebitrequests.Incaseyoudoso,,youauthorizeustoautomaticallyapprovealldirectdebitrequeststhatfall,withinthelimitsthatyouset.Youcanalso,whenacceptingadirectdebit,,choosetoacceptallfuturedirectdebitsfromthatpersonororganization.,23.U-turn,DoyouwanttocancelaSEPADirectDebitmandate?Simplynotifythepayeein,writing.
C ancellingispossibleuptoonebusinessdaybeforetheintended,executionofthedirectdebit.,Didyoutimelycanceladirectdebitmandate,butdidyounonethelessreceivea,paymentrequestforit?Ordidyoureceiveapaymentrequestwithouteven,givingadirectdebitmandate?Pleasereportthistousassoonaspossible.,Ifyouapproveadirectdebitpaymentrequest,youconfirmthatthedirectdebit,iscorrect.Incaseyoupre-approve(whitelist)certaindirectdebitpayment,requests,allrequeststhatfallwithinthesetlimitsshallbeconsideredcorrect.,Doyouwanttocontestadirectdebittransaction?Pleaseletusknowwithin56,daysafteryoureceivedthedirectdebitpaymentrequest.Wewillrefundthe,transaction.,24.Sharinganaccountwith C onnect,Withthe C onnectfeatureyoucaneasilygiveotherbunqusersaccesstooneor,moreofyourbankaccounts.Notriptoourofficeorpilesofpaperworkrequired!,Whenyougivesomeoneaccess,thatpersonwillbeabletoperformallactionsto,whichyouauthorizedhim/her.Youcanalwaysrevoketheaccessyouhavegiven.,Theaccesswillendautomaticallyifyousetatimeperiodandtheperiodhas,15,expired.
G ivingsomeoneaccesstoanaccountdoesnotaffectyourownershipof,theaccount;theaccountstayscompletelyyours., G ivingsomeoneaccessisabitlikebringingsomeonealongtoaparty.Atthe,party,you’reresponsibleforthepeopleyoubringalong,somakesurethat,anyoneyouengagethrough C onnectcomplieswiththesetermsandconditions.,Ifsomeonegaveyouaccess,you’rethebring-along-friend,sopleasecomply,withthesetermsandconditions.,Pleasedonotusea C onnectanymoreif:,−theownerofthesharedaccountisnolongerauthorizedtousethe,account(forexample,becausehe/shehasgonebankrupt);,−youyourselfbecomelegallyincapacitated;or,−iftheowneroftheaccounthasdied.,Pleasegiveusashoutviachatfunctioninthebunqapp(“supportchat”)or,support@bunq.comifanyoftheabovehasoccurred.Wewillcontinueto,executeallorderswereceiveviaa C onnect,untilwehavereceivedand,processedsuchnotice.,SharinganaccountwithParent/ C hild C onnect,Aspecialtypeof C onnectistheParent/ C hild C onnect.Thistypeof C onnectcan,onlyberevokedifboththeconnectedusersagree.,Thisfeatureisgreatforparentswhowanttouse C onnecttokeepaneyeontheir,children'sspendingandwanttopreventachildfromendinga C onnect,one-sidedly.,25.Jointaccounts,Ajointaccountisaco-ownedaccount.Thismeansallaccountholdershavethe,samerightswithregardtotheaccount.,Settingupanaccount,Jointaccountscanbeeasilycreatedviathebunqapp,justopenanaccountand,inviteotheruserstojoin!Ajointaccountbecomesactivethemomentallthe,inviteesaccepttheirinvite.,Pleasebeawareyoucanonlyaddotherusersthemomentyouopenthe,account.Itisunfortunatelynotpossibletoaddorchangeusersatalaterstage.,Ifyouareinvitedbysomeoneelsetojoinajointaccount,youonlyhavetoaccept,theirinvitationtobecomeco-owneroftheaccount.Itisreallythateasy!,Insandouts,Everyco-ownercanfullyandindependentlyusethejointaccount.However,for,certainactionswemightrequirepermissionfrommorethanoneco-owner.,16,Whichpartofthefundsinajointaccountbelongstowhomissomethingforyou,andyourco-ownerstotrackand/ordecide.Wedonotplayanyroleinthis., C o-ownersareresponsibleforsharingallrelevantinformationconcerningthe,jointaccountwitheachother.Thismeanswealwaysonlyhavetoinformone,co-ownerregardingthejointaccount.,Leavingandclosing,Everyco-ownercandecidetoleaveajointaccountatanytime.Leavingdoesnot,requirepermissionfromtheotherco-owners.However,ifoneormore,co-ownersdecidetoleaveanaccount,theaccountmustbeclosed!,Pleasemakesuretotimelyinformallco-ownersofajointaccountifyouintend,toleavetheaccount.Thismeanspriortoclosingtheaccount.,Responsibility,Ajointaccountisajointresponsibility.Thismeanseachco-ownerisfully,responsibleforeverythingthathappenswiththejointaccount.Allco-owners,arefurthermorejointlyandseverallyliablewithregardtothejointaccount,so,becarefulwithwhomyoushareajointaccount!,Wecanfullychargeeveryco-ownerforanycosts/debtassociatedwiththejoint,accountandcansettlethedebtofanyoftheco-ownerswiththebalanceofthe,jointaccount.,26.bunq+1:sharingabankaccountmadeeasy,Wanttoshareabankaccountwithsomeonewho’snotabunquser?Simply,invitethemasyour+1.,Injustonetap,youcancreateajointaccountwithyourpartner,abankaccount,foryourchild,oranemployeeexpenseaccount.,Youandyour+1bothgetfullaccesstotheaccount.Youcaninvitesomeoneas,your+1ifyou’reabunqEasyMoneyorbunqEasy G reenuser.Pleasecheckour,Pricingdocumentonwww.bunq.com/en/pricingforapplicablefeesand,availablefeatures.,Leaving,closingandresponsibility,Your+1candecidetoleavetheaccountatanytime.Ifyoudecidetocloseyour,account,your+1willbeupgradedtoabunqEasyMoneyPersonalPlan.,Pleasemakesuretotimelyinformyour+1ifyouintendtoclosetheaccount.This,meanspriortoclosingtheaccount.Youraccountisyourresponsibilitysobe,carefulwhoyouinvitetoyouraccountasyour+1!,27.
C ircleofTrust, C ircleofTrustallowsyoutoautomaticallyapprovepaymentrequestsfromyour,friendsandfamily.Simplyaddsomeonetoyour C ircleofTrustandanypayment,requestfromthatpersonisautomaticallyapproved.,17,Bydefault,amaximumof€100permonthpermemberofyour C ircleofTrust,canbeautomaticallyapproved.However,youarefreetoincreaseordecrease,thisamountasyouseefit.Oncethelimithasbeenreached,paymentrequests,fromthesepersonswillbetreatedasregularpaymentrequestsandwillneedto,beapprovedmanually.,Pleasebeawareofwhoyouaddtoyour C ircleofTrustandmakesureto,periodicallycheckwhoisinyour C ircleofTrust!Your C ircleofTrustisyourown,responsibilityandbunqdoesnotacceptanyliabilitywhatsoever.,28.Places,Exploreallthehotspotsyouandyourfriendslove!WithbunqPlacesyou’llbe,abletoshareyourfavoriteplacestovisitwithallyourfriendsandfamilyand,you’llbeabletoseetheirfavoriteplaces.,WithbunqPlaces,youwillbeabletoseewherepeopleinyourInner C irclehave,paidandviceversa.Placeswillonlyincludecardtransactionsandcertain,categoriesofpaymentsareexcluded.Also,yourdatawillonlybesharedafter,youhaveenabledthefeature.Ontopofthat,you’reintotalcontrolofwhoyou,shareyourdatawith,asyoucanaddandremoveusersfromyourInner C ircleas,youlike!,ThedecisiontousePlacesisentirelyyourresponsibility.bunqisnotliableforany,misuseofthedatayoushareviaPlaces.,29.Loyaltycards,Tiredofhavingtosearchforyourloyaltycardwhenpayingatyourfavoritestore?,WiththeLoyalty C ardsfeatureyouwillbeabletostoreallyourcardsinone,place,allowingforeasyaccess.Toensureeveneasieraccess,usetheLoyalty, C ardswidgetandhaveaccesstoyourfavoriteloyaltycardswiththetapofa,finger.,You’llalsoneverhavetoworryagainaboutforgettingtoscanyourloyaltycards.,Ourappwillnotifyyouwhenyoupaysomewhere,buthaven’taddedtheloyalty,cardofthatparticularstoretoyourcardsyet.Youcanalwaysturnthese,notificationsonoroffinyouraccountsettings.,30.Activities, G oingoutforthenightwithsomefriendsorgoingonacampingtripwith,family?WithActivitiesyoudon’thavetoworryabout‘whopaidforwhat’or,settlingthecosts.SimplystartanActivityandaddthefriendswithyouonthe,Activity.Allthecardpaymentsofyouandyourfriendswillbeaddedtothe,Activity.WhentheActivityisover,youcaneithersettleitorcloseitwithout,settlingandcontinuetheActivityatalaterpointintime., G oodtoknow:youcanonlyparticipateinoneActivityatatime.Pleaserefrain,frommisusingthisfeature,forinstancebyinvitingusersyoudon’tknowtothe,Activity.bunqisnotliableforanydamagesorincorrecttransactionsasaresult,ofyourusageofthefeature.,18,31.Sharethebunqlove!,Weloveourusers,themorethemerrier!That’swhywehaveimplementedinvite,andreferralsystems.Withthesefeaturesyoucaninviteyourfriendstostart,usingbunq.,Doyouhaveacoolideatopromotebunq?Pleasereachouttousviathesupport,chatandletusknow!,Whensendinganinvite,wepromisetoexclusivelyusethepersonalinformation,forourinviteandreferralfeatures.,Pleasebeawarethesefeaturesareprovidedtoyouasacourtesy,andweare,freetochange,restrictorsuspendthefeaturesatanytime.Feelfreetouse,themasmuchasyoulike,butmakesuretouseitresponsibly:,−refrainfrominvitingstrangers;,−refrainfromspammingotherswithinvites(includingusingautomated,systemsorbots);,−useofthesefeaturesforpaidpromoting(includingonlineadvertising),withtheprimarypurposeofcollectingrewardsisnotallowed;,−thefeaturemayonlybeusedforpersonalnon-commercialpurposes;,−refrainfromusingthefeaturesforanyotherpurposethaninvitingfriends,forbunq.,Whenwebelieveyouaremisusingthesefeaturesinanyway,weareallowedto,takeappropriatemeasuresatanytime,includingrestrictingyouraccesstoour,services,suspendingany(currentorfuture)applicablerewards,terminatingyour,accountoranyotheractionbasedonthesetermsandconditions.,32.Trees,Tribes&Besties,Tribes,DoyouwanttoplantmoretreeswithyourbunqPlan?Simplyinvitefriendsand,wewillplanttentreesforeveryfriendthatacceptsyourinvite,bothforyouand,yourfriend.,Asabunquser,youcanalsostartatribewithfriendsandplanttreestogether.In,caseyoustartorjoinatribe,yournicknamesandavatarswillbemadevisibleto,everyoneinthetribe.andyougiveuspermissiontomakethemvisible.,TreePlantingBesties,NexttotheTribesfeature,thereisanother,easywaytoplantmoretreesandto,helptheworldbecomeabetterplace.EveryEasy G reenuserisabletoinviteone,oftheirfriendstobecometheirTreePlantingBestie!Becomingsomeone’sTree,PlantingBestiesallowsthatpersontoplantatreewithevery€100theyspend,,justlikearegularEasy G reenuser!Thebestpartisthatthisfeatureiscompletely,free!Formoreinformationregardingtheplantingoftrees,takealookatthe,19,sectionsofthesetermsandconditionscoveringbunqEasy G reenorcheckout,www.bunq.com.,33.
C ommon G oals,Doyouwanttosupportacauseoracharitythatyoucareabout? G reat!Tohelp,youwehavedevelopedthe C ommon G oalfeature.,The C ommon G oalfeatureallowsyoutocreateapageforyourgoal.Youcan,sharethispagewithothersandaskthemtodonatetothegoal.,Youareresponsibleforthe C ommon G oalsyoucreate.Wedonotendorseor,takeresponsibilityforthese C ommon G oals,orwhathappenswiththe,donationscollectedbymeansofthe C ommon G oalfeature,Onlycreatea C ommon G oalpageforalegalandnon-offensivecause.Ensure,thattheprovidedgoalinformationiscomplete,correctornotmisleadinginany,way.Wecandecide(atoursolediscretion)toterminateagoalatanytime.,Thereceiverofthese C ommon G oaldonationsisresponsibleforanytaxesthat,maybeapplicable.Pleasehavealookatthe C ommon G oalstermsand,conditionsatgoals.bunq.comformoreinformation.Pleasenotethatwhenyou,donatetoa C ommon G oal,theownerofthe C ommon G oalwillseeyourname,andtheamountyou’vedonated.,34.Money,timeand C O2saved&Easy G reenwidget,Money,timeand C O2saved,Inthebunqapp,wewillshowyouhowmuchtime,moneyand C O2youhave,savedbyusingyourbunqaccount.Pleasenotethattheprovidednumbersare,justestimations.Wedon’tprovideanywarrantyfortheircorrectness.,Easy G reenwidget,Easilyshareyourjourneyinbecomingcarbonneutralwithvisitorsofyour,websitebyimplementingtheEasy G reenwidget.Installedinafewseconds,this,widgetwilldisplaythenumberoftreesyou’veplantedsofar.Wedonotprovide,anywarrantyforthecorrectnessoftheinformationdisplayedinthewidget.,35.Information,Inorderforustocomplywithapplicablelawsandregulations,andtoprovide,ourservicestoyou,werequireinformationfromyou.Pleaseprovideuswithall,theinformationwerequestandalwaysprovideuswithcompleteandaccurate,information.Didsomethinginyourpersonallifechange(e.g.youhavemoved)?,Itisyourresponsibilitytoletusknowassoonaspossible.,Wearenotliablefortheconsequencesifyouprovideduswithincompleteor,incorrectinformation,orifyoudidnotkeepusup-to-date.,20,36.Ourearsandmouth,Doyouwanttoaskaquestionorgiveacompliment?PleaseuseTogether(see,www.together.bunq.comorcheckthebunqapp).Pleaseprimarilyusethechat,functioninthebunqapp(supportchat)forpersonalmattersorifyouwantto,makeacomplaint.Ifyou’renotabletousethesupportchat,forwhatever,reason,youcanalsoreachusviaemailatsupport@bunq.com.,Weloveuserfeedback!Sopleaseprovideuswithanysuggestionsorcomments,youmighthave.Totransformyourfeedbackintoawesomenewfeaturesand,productswewillbefreetousetheprovidedfeedbackinanywayweseefit,withoutobligationorrestrictionofanykind.,Wewillprimarilycommunicatewithyouviathechatfunctioninthebunqapp,orviaemail.Aswewilloccasionallysendimportantmessagesviathechat,function,weexpectyoutocheckthechatfunctionfrequentlytoensurethatyou,don’tmissanyofourmessages.Wewillnotuse‘snailmail’(postalservices)to,contactyou.Thenamealreadyexplainswhy.Wealsonevercommunicateby,meansofWhatsApportelephone.,Uponrequest,wewillprovidetheagreementand/ortheseTermsand C onditions,toyouviaemail.Notsurewhetheramessagewasreallysentbyus?Didyou,expecttoreceiveamessagefromus,butdidyounotreceiveit?Pleaseletus,knowviathesupportchat.,37.
C heckitout!,Pleasecheckyourbunqappregularlyforimportantmessagesfromus,regardinganyinformationwemayneedfromyou,youraccountandsafety.,Pleasecheck(atleastonceeverytwoweeks)thetransactionoverviewofyour,accountsregularly.Letusknowviathesupportchatifyounoticeamistakeor,irregularity.,38.Picturethis…,Youcanuse,storeandsendcontentviathebunqapp,likeemojis,textand,pictures.You’reresponsibleforthecontentyousend.Pleaserefrainfrom,sendingcontentofasexual,discriminating,racist,threatening,illegalor,otherwiseundesirablenature.Inaddition,pleasedonotsendcontentwhichis,protectedbyintellectualpropertyrights,ifyoudonotpossesstherightstodo,so.Didyoureceiveoffensiveorunwantedcontent?Pleasereportthistous.,39.
G eneralaccountsecurity,Tokeepyourmoneyandyouraccountsafe,weneedtoworktogether,here’s,how.,Pleasetakeadequatemeasuresandusebesteffortstopreventunauthorized,access/useofyouraccountandtheinformationyoucollectviaourservices.,Tohelpyoukeepyouraccountsecure,wehavemadesomesafetyguidelines,,statedbelowarethemostimportantonesyouneedtofollowatalltimes:,21,−keepyourlogincodesandothersecurityfeaturesstrictlytoyourself,do,notsharethemwithanyoneelseandneverusethemanywherebutinour,officialappsorinourofficialwebinterface;,−makesurethatyourcardsarenotusedbyanyoneelsebutyou;,−makesureallyourdevicesareproperlyprotected(setatleastoneformof,accessprotection,forexamplealogincode);,−usethelatestversionsofourappsandkeeptheoperatingsystemsofyour,devicesclean(noillegalsoftware)andup-to-date;,−whenusingthebunqapporwebinterfaceinapublicplace,lookover,yourshouldertomakesurethatnounauthorizedpersonispeeking;,−checkyouraccountatleastonceeverytwoweeks;,−informyourselfaboutcommon(online)scams,suchasphishing;,−alwaysimmediatelyreportirregularitiesandfollowourinstructions.,Wewillneveraskyouforyourlogincodesorothersecurityfeaturesviaphone,,emailorWhatsapp.Ifyoureceiveanycommunicationfromusthatyoudonot,(completely)trust,pleasecontactusviathesupportchatimmediately.Ifyou,receiveanycommunicationfromasuspiciousphonenumberoremailaddress,claimingtobefromus,pleasedonotclickonanylinksorprovideanypersonal,informationoryourbunqcredentialsviasuchlinksandimmediatelyreportitto,us.,Pleasebeawareofphishing.Phishinginvolvesotherpeopletryingtoobtain,yoursecuritycredentials.
C ommonphishingscamsinvolveonlinewebsitessuch,asMarktplaatsorinvolvepersonspurportingtobefrombunqorfroma,governmentalinstitution(suchastheTaxAuthorities).Neverclickonlinksyou,don’trecognizeandneverenteryourinformationonwebsitesthatyou’renot,familiarwith.Ifyou’reunsurewhetherornotsomeoneistryingtophishyou,,contactusatthesoonestopportunityandwe’llassistyou.,Forthe(additional)securityguidelinesforusingbunqcards,pleaseseethe,securitysectioninthebunqcardrules.,Becauseoftheapplicablelawsandregulations,weneedtoknowwhousesour,services.Thismeansweneedtoidentifyyouwhenyouopenyouraccountand,thatyouraccountispersonal,sopleaseonlyuseit(for)yourself.Youmay,authoriseanotherpersontouseyouraccountonyourbehalf.However,please,donotallowanotherpersontouseyouraccountonhis/herorsomeoneelse’s,behalf.Pleaserememberthatyouremainresponsibleforany(unlawful)useof,youraccountifyoudoso.,Aspartofourduediligence,wearerequiredtoinvestigateunusual(transaction),behaviour.You’reobligatedtocooperateintheseinvestigationsandweexpect,youtoprovideuswithanyrelevantinformationwerequire.Arefusalto,cooperatecouldultimatelyleadtotheclosureofyouraccount.,22,40.Keepingthedoorunlocked,Areyouannoyedwithalwayshavingtologinjusttocheckyourbalanceormake,asimplepayment?Thebunqappallowsyoutochangehowlongyoustay,loggedin.Handy,butbecareful!Ifyoukeepyouraccountloggedin,anyone,withaccesstoyourphonecanaccessyourbunqaccount.Thismeanstheycould,executetransactionswithyourmoney.Adjustingthelogintimeisatyourown,risk.,41.Dutyofcare, G eneral,Foryourownsakeandthatofothers,weexpectyoutouseourproductsand,serviceswithcareandrefrainfrommisuse.Bymisusewemeanillegalactions,,violatingtheseTermsand C onditions,andanyactionsthatmightharmbunq,(ouractivities/Plans/reputation),ourusersorotherpeopleinanyway.Yourduty,entails,butisnotlimitedto,thefollowing:,−Providecompleteandaccuratepersonalinformationandensurethatthis,informationstaysup-to-date;,− C heckyouraccountregularlyandnotifyusimmediatelyifyouencounter,anythingunusualorexperienceanyotherissues;,−Followthesecurityguidelinesandusecommonsensewhenusingyour,bunqaccount,thebunqapp,theTogethercommunityoranyother,serviceorproductfrombunq,bunqapp,Furthermore,ourappisintendedfornormaluseofourbankingandpayment,services,soweexpectyoutouseitforthatpurposeonly.,Asabank,wearelegallyrequiredtomonitortheuseofyouraccount.Iftheuse,ofyouraccountisnotinlinewithitsintendedpurposeandwedecidethatitfalls,outsideourriskappetite,wemaydecideto(immediately)closeyouraccount,withoutanyliabilityorobligationforus.,bunqWebapp,Ourwebapplicationisalsointendedfornormaluseonly.Pleaseuseitwithcare,anditisyourresponsibilitytousetheWebappsafely.Makesurethatwhenyou,usetheWebappinapublicarea,othersarenotabletocheckyourscreenwhen,youarelogginginforexample.Also,pleasechecktheURLbeforeloggingin,yourcredentialstomakesurethatitisoursecurewebsite.Wewouldadviseyou,nottouseanypublicdevicestologintothebunqWebapp.Ifyoudo,makesure,tologoutofyourbunqaccountandcloseallrelatedbrowserwindowsandtabs,thatwereactivewhileyouwereusingthebunqWebapp.,bunqAppleWatchapp,23,bunqAppleWatchappisintendedfornormaluseonly.Pleaseuseitwithcare,anditisyourresponsibilitytousetheAppleWatchappsafely.Makesurethat,whenyouusetheAppleWatchappinapublicarea,othersarenotabletocheck,yourscreenwhenyouarelogginginforexample.,42.ThirdParties,Webelieveeverymanhashisowntrade,that’swhywesticktowhatweare,goodat,andwilluseservicesprovidedbythirdpartiesincasewethinkthat’sfor,thebest.Ofcoursewewillalwaysproceedwithcarewhenselectingathird,party.,43.Thirdpartyapps,Onapps.bunq.comandinthebunqappyoucanfindreferencetoseveral,third-partyappswhicharepartofthebunqecosystemaswell.Theseappswork,togetherwithourservices,buttheyarenotbuilt,maintainedorcheckedbyus.,Downloading,installingandusingtheseexternalappsiscompletelyatyourown,risk.Wedonotprovideanywarrantyoracceptanyliabilityfortheseapps.,44.Whenyourmoneyrunsout,Sometimesbaddaysbecomebadyears;youmightgobankrupt,endupin,guardianship,orhaveanotherstatutorydebtorinsolvencyregimebecome,applicabletoyou.Ifthishappenstoyou,youwillnolongerbelegallyallowedto,useyourbunqaccount,sopleaserefrainfromdoingso.Ifyouwanttouseyour,accountinthissituation,asktheappointedliquidator,trustee,guardianor,administratorforpermission.,Wecanonlyactincaseweareawareofachangeinyourcompetence(for,examplebecauseyouwentbankrupt).Forthisreason,therelationbetweenyou,andbunqwillonlychangeifyou,orsomeoneelse,notifiesusofthechange.It,doesnotmatterifacorrespondingchangeinyourcompetencehasalready,beenpublishedinapublicregister.,Incase(partsof)yourfundsareseized,youwon’tbeableusetheseizedfunds.,Pleasenotethatifyoucontinuetouseyouraccountafteranyoftheabove,mentionedsituationshavebecomeapplicabletoyouand/oryouraccount,we,willholdyoupersonallyliableforanydamagesthatmayarisefromyourusage.,45.Death,Pleaseinformusassoonaspossibleifabunquseryouknowhaspassedaway.,Wewillimmediatelystopexecutingpaymentordersoriginatingfromthe,accountofthedeceasedoncewehavebeeninformed,unlesswecannot,reasonablypreventtheexecutionofanorder.,Tosafeguardourusers’privacy,wecannotprovideanyinformationabout(legal),actionsandtransactionsthattookplacebeforetheuserpassedaway.,24,Detailedinformationaboutwhathappensatbunqandwhatyoushoulddo,whenauserpassesawaycanbefoundonTogether(see,www.bunq.com/passing-awayorcheckthebunqapp).,46.Privacy,Weneedpersonalinformationfromyoutoprovideourservicestoyou.Ifyou,wanttoknowwhichdatawecollectandwhatwedowithit,pleasereadour,Privacy&.
C ookieStatement.YoucanfindourPrivacy&.
C ookieStatementinthe,bunqappandonhttp://www.bunq.com/privacy.,47.Deposit G uaranteeScheme,bunqpersonalaccountsarecoveredbytheDutchDeposit G uaranteeScheme.,Thismeansthatthefundsonyouraccount(s)areinsured(upto100,000EUR)in,casewegobankrupt.Pleasecheckwww.dnb.nlformoreinformationaboutthe,Deposit G uaranteeSchemeorourinformationsheetat,www.bunq.com/en/policies/safety.,Pleasebeawarethatbunqe-moneyaccountsarenotcoveredbytheDeposit, G uaranteeScheme.,48.
C onflictsofinterest,Aconflictofinterestmightarisebetweenyouandbunqorbetweenyouand,anotherbunquser.Intheunfortunateeventthishappens,wewillactaccording,toour C onflictsofInterestPolicy.Asummaryofthispolicycanbefoundon,www.bunq.com/en/policies/transparency.,49.
C losingyouraccount,Asdescribedinthenextchapter‘Theend…’,youhavethepossibilitytoterminate,youragreementwithbunq.Tomakethisprocessasseamlessaspossiblewe,haveintroducedarevertibleclosure.Thisishandybecauseitallowsyouto,accesscrucialinformationforyourtaxesorotherpurposes.Atthesametime,it,willnolongerchargeyou,anditblocksanypayments,directdebitsorcard,transactions.Ifyouwanttopermanentlycloseyouraccount,withouttheoption,toaccessanyofyourdataagain,andtherebyhaveusdeletealldatawelegally,can,pleasecontactusviasupportchat.Pleasenotethatthisprocessis,irreversible.,50.Theend…,Youwillstayauseraslongasyouwantoruntilwedecidetopartwayswithyou.,Youcanterminatetheagreementatanytimewithimmediateeffect;wewould,besadtoseeyougo!,PleaseseeTogetherformoreinformationaboutclosinganaccountand,terminatingtheagreement.YoucanfindTogetheronwww.bunq.com.Please,keepinmindthatifyoudecidetore-openyourpermanentclosedaccount,we,willchargeyouafee,checkoutourpricingatwww.bunq.com/en/pricing.,25,Insomecases,wemaywanttoterminatetheagreementfromourside.For,example,incasewewouldstopofferingbunqoryourtypeofaccountsinthe,future.Wecanterminatewithtwomonths’notice.,Insomesituations,wemaywanttoimmediatelyblockyouraccesstoourapp,and/orterminatetheagreement.Wecandosoincase:,a)youdonotcomplywiththesetermsandconditionsandanyrelated,documents;,b)wearerequiredtodosobylaw;,c)youbecome,orwesuspectyoumightbecome,insolventorthesubjectof,anyinsolvencyproceedings;,d)youare(nolonger)authorizedtomanageyouraccountsindependently,,forinstancewhenyouarelegallydisqualified,underadministration,or,whenyounolongerhavethelegalcapabilitytoactforanyotherreason;,e)youpassaway;,f)youhaveprovideduswithfalseinformation,didnotkeepusup-to-dateor,havefailedtocooperateinourinvestigationsinwhichyou’reinvolved;,g)weknoworsuspectthatyouuse(orhaveused)ourservicesfor,fraudulentorillegalactivities,taxevasion,activitiescontrarytopublic,orderand/ormoralsoranyothermisuse;,h)wehavereasonstobelievethatyou’veletsomeoneelseaccessanduse,youraccount;,i)you’reinbreachofanyagreementyouhavewithus;,j)ourresearchhasindicatedthatyourriskprofilehaschanged;,k)youarenolongeraresidentofamemberstateoftheEuropeanEconomic,Area;or,l)wehavereasontobelievethatyouuseyouraccountforcommercial,purposes.,Wecanterminatetheagreementwithoutanyliabilityorobligationstoyou.In,casetheagreement(forwhateverreason)ends,allrightsandlicensesgrantedto,youbyuswillceaseimmediately,andyouraccesstoourappwillbeblocked.,Themomenttheagreementisterminated,allyourdebtstousbecomedue,instantly.Thismeansthatyouwillhavetopayyourtotaldebttousimmediately.,Wemayholdyourfundsaftertheclosureofyouraccounttocoveranydebtsto,us,paymentsthatyouapprovedbeforeyouraccountwasclosedorlegitimate,claimsandrightsofthirdparties.Weholdtherighttodebityouraccountand,reversethepaymentintheeventthatremainingfundsonyouraccounts,originatefroma(credit)cardpayment.,26,51.Legalnastiness,Wevaluetransparencyaboveeverythingelse.That’swhywe’retakingsome,timetotalkabout‘responsibilitiesandliabilities’inthischapter.Whois,responsibleforwhat?Whatcanyouexpectfromus?Andwhatdoweexpect,fromyou?Holdontoyourseat,herewego!,Account,Youraccountisyoursandyoursonly.Thismeansthatonlyyouareallowedto,useit,unlessspecificallystatedotherwise.You’reresponsibleforkeepingyour,accountsafeandforwhathappenswithyouraccount.Inotherwords,youare,liablefordamagescausedwithyouraccountand/orwhicharearesultof,non-compliancewithwhatthesetermsandconditionsrequire/askfromyou.,Doyouknoworsuspectthatsomeoneelsehasaccesstoyouraccount,ordid,younoticesomethingstrange?Pleaseletusknowviathesupportchatassoon,aspossible.You’reliablefortheconsequencesuntilthemomentyoucontacted,us.Incaseofabuseorunauthorizeduse,youshouldalsonotifythepolice.Ifyou,actfraudulently,youareliableforalllossesonyouraccount.Ifyouactwithout,reasonablecareandthiscauseslosses,youmaybeliableforthem.,Wecanblockorlimityouraccesstothebunqapp,youraccount,orsomeone,else’saccount(a C onnect).Wewilldosoifwesuspectorknowsomethingis,wrong.Forexample,incaseof(suspected)fraudormisuse,orifyoudonotmeet,yourobligationstowardsus.Oncethereasonfortheblockorlimitationno,longerexists,wewilllifttheblockorlimitation.,Ifwehaveblockedorhaveterminatedyouraccountbecauseof(suspected),fraud,wemaydecidetokeepthefundsontheaccountpendingthe,investigation.Aftertheinvestigationhasbeenconcludedandithasbeen,determinedthatyouhavenotactedfraudulently,wewillreleasethefunds.,Transactionsandmistakes,You’reresponsibleforprovidinguswiththerightinformation(suchasIBANs,andphonenumbers)tomaketransactions.Wedonotverifythisinformation,andarenotliableforanymistakesyoumake.,DidyouaccidentallymakeatransactiontothewrongIBAN?Ifso,letusknowvia,thesupportchatandwewilltrytogetyourmoneyback.Thiswillonlyworkif,thepersonyouaccidentallysentyourmoneytoagreestosenditback.,Pleasecheckyourbunqbankaccountsregularly.Ifyounoticeamistake(for,exampleawrongfullyexecutedpayment),pleaseletusknowassoonaspossible,viathesupportchat.,Wewillcorrectamistakeifweareliableforit,butonlyifthemistakewas,reportedtouswithin13monthsafteritoccurred.Inthiscase,wewillonlyowe,youtheamountitself,thecostsoftherespectivepayment,andanypossibleloss,ofinterest.Ifyouaskus,wewilltrytotraceanywrongfullymadetransactions,andletyouknowwhatwefind.,27,Weareauthorisedtoremedymistakesorerrorswithoutyourconsent,andcan,reverseincorrecttransfers.Wearealsoauthorisedtoreversetransactions,resultingfromordersgivenbyunauthorisedpersonsorpersonswithoutlegal,capabilitytoact.,Break,You’rehalfwaythroughthischapter,timeforabreak!Lookoutofthewindow,,getadrink,stretchyourlegs.Takeadeepbreathandlet’sgoagain!, C reditingyouraccount,Whenwecredityouraccount,wewilldosoundertheconditionthatwe,definitelyandunconditionallyreceivethetransactionamount.Inotherwords,if,weendupnotreceivingthemoneyorifatransferforanyreasonisreversed,we,mayundothecreditingofyouraccountbydebitinganequalamount.Wecan,dosowithoutpriornotice.,Bywayofillustration:Ifapersonmakesapaymenttoyou,weinstantlyaddthe,amounttoyouraccount.Wedosobecausewetrustthatwewillreceivethe,moneyfromthebankoftheotherperson.However,somethingmightgowrong,andwemightendupnotreceivingthemoney.Inthiscasewe’llreversethe,processandsubtractthemoneyfromyouraccountagain-otherwiseweendup,losingmoney.,Pleaserefillyourbalanceimmediatelyincaseyourbalancehasbecome,negativeasaresultofareversedcrediting.Assoonasyourbalancebecomes,negativewewillstartourdebtcollectionprocedure.Thisproceduremightresult,ina(partial)blockofyouraccount(s),card(s)and/orAPIaccess.Incaseyoudo,notrefillyourbalancewithinonemonth,wemightdecidetocloseyouraccount,and/ortransferyourdebttoacollectionagency.,Liability,Wearenotliablefordamagesorlossescausedby:,−interruptionsofourservices;,−fulfillingourstatutorydutiesorothermandatoryrules;,−blockingyouraccount(e.gincasewesuspectyoubreachedtheseterms&,conditions);,−abnormalandunforeseencircumstances(e.g.naturaldisasters).,Weareliableincasedamagesarecausedbyourintendedorgrossnegligence,,butonlyacceptliabilityfordirectlossesordamagesandwillnevercoverindirect,lossesordamages(suchasmissedprofits).Nothinginthisagreementlimitsour,liabilityfordamagestolife,bodyandhealth.,Theappandservices,28,Downloading,installingandusingtheappisatyourownrisk.Wedonotprovide,anywarrantyforthefunctioningoftheappandthecorrectnessofthe,informationsuppliedviatheapp.,Ourservicescontainthirdpartycontent.Thiscontentisthesoleresponsibilityof,thepartythatmakesitavailableandmightbesubjecttointellectualproperty,rights.,Wemaytemporarilysuspendcertainservices,forexampleformaintenance.We,candosowithoutanyobligationtowardsyou.,Youcancreateexportswiththebunqapp.Pleasecheckeveryexport,thoroughly,becausewedonotgiveanywarrantyastotheaccuracyofthe,exporteddataandarenotliablefordamagescausedbyerrors.,Proof,Ouradministrationistobeconsideredcorrectandcanbeusedbyusas,conclusiveproof.Incaseyoucontestthecorrectnessofouradministration,you,mustprovideproof.Wearenotrequiredtokeepouradministrationlongerthan,thelawdemandsfromus.,Agree,Inthesetermsandconditions,wesaywecan,may,mightorwillperformcertain,actionsinparticularsituationsorifwedeemitnecessary,forexample,wewill,blockanaccountincasewesuspectfraud.Whenyouacceptthesetermsand,conditionsyougiveuspermissiontodoso.,52.Transfer,mergerorsplit,We,asacompany,mightsplit,merge,couldbetakenoverorotherwisereshuffle,inthefuture.Ifthishappens,wemightpartiallyorfullytransferouragreements,withyou(ourrightsandobligations)toanothercompany.,53.
C omplaints,Doyouhaveacomplaintorcomment?Pleasecontactusviathesupportchat,,oursupportemployeesarehappytohelpyou.Informationaboutourcomplaints,proceduretobefollowedcanbefoundonwww.bunq.com.,bunqisamemberoftheKlachteninstituutFinanciëleDienstverlening(Kifid),an,independentinstitutionhandlingcomplaintsaboutfinancialservices.This,meansthatifyouhaveacomplaintaboutusandyouhavecompletedour,internalcomplaintprocedure,youcanaskKifidtohelpsolvetheissue.We,considertheverdictoftheKifidAppeal C ommitteeasbinding.Whetheryouare,eligibletogotoKifid,isdeterminedbytherulesandregulationsofKifid.Youcan,findmoreinformationaboutKifidonwww.kifid.nl.,Incaseofacomplaintyoumightalsobeabletoturntoanauthorityor,organizationinyourcountryofresidence.Onrequest,wecanprovideyouwith,moreinformationabouttheoptions.,29,54.
C hanges,Somesituationsmightrequireustomodifythesetermsandconditions.For,instance,wemayneedtochangeathingortwowhenwereleaseanewfeature., C hangeswillbecomeeffectivetwomonthsaftertheyarepublished.
C hanges,addressinganewfeature,orchangesmadeforlegalreasons,willbeeffective,immediately.Ifyoudonotagreetothemodifiedtermsandconditions,stop,usingourservicesandterminatetheagreement(youhavetherightto,terminatewithimmediateeffect).Bycontinuingtouseourservicesyouaccept,themodifiedtermsandconditions.,55.Language,WewillalwayscommunicatewithyouinEnglishorthelanguageofyour,countryofresidence,unlessotherwiseagreed.Wemayaskyoutotranslate(at,yourexpense)documentsthatarenotwritteninEnglishorinanotherlanguage,weapproved.Thetranslationhastobedonebysomeoneweapproveof.,56.What’smore…,TheseTerms&.
C onditionsapplytoyourbunqpersonalaccountand(asfaras,relevant)toallotherservicesandproductsweprovidetoyou.Anyother,agreementisonlyvalidwhenwehavebothexplicitlyagreedtoitinwriting.,Forthesakeofclarity,youmayonlypledgethebalanceonyouraccount(s)tous.,Allotherpledgeswillbevoid.Yourrightsandobligationsunderthesetermsand,conditionsandtheagreementarenon-transferableandnon-assignablewithout,ourpriorapproval.,WealsoofferourveryownAPI!Youcanbuildyourownamazingappsbyusing,thebunqAPI.Formoreinformation,besuretocheckoutourwebsitevia,www.bunq.comonhowtogetstarted.PleasenotethatbeforeusingourAPI,,youwillacceptourAPITermsand C onditions,youcanalsofindthemonour,website.,Nexttothat,wealsoofferabrandnewReceiptSplittingtool,bothaccessibleto,bunqandnon-bunqusers.PleasenotethatseparateReceiptSplittingTerms,and C onditionsapplytotheusageofthistool.Thesecanbefoundon,www.bunq.com/terms.,ThisisanEnglishtranslationofourDutchTermsand C onditions.Small,differencesmightexistbetweentheDutchandEnglishversion.TheDutch,versionwillprevailincaseofanydiscrepanciesorconflictsbetweentheEnglish,andDutchversion.OnrequestwecanprovideyouwiththeDutchversionoryou,canfinditonourwebsitewww.bunq.com/en/terms.,Ajudgemightrulethatapartofthesetermsandconditionsortheagreementis,void,invalidorinoperative.Inthiscasetheremainingpartsshallnotbeaffected,andshallremainineffect.Otherwisewewouldhavetomakeawholenew,agreement.Theinvalidpartshallbemodifiedtotheleastdegreenecessaryto,remedytheinvalidity.,30,Thetitlesandheadingsinthesetermsandconditionsareforreferenceonly.,Examplesarenotintendedtoprovideacompletelistofpossibilities/applications;,otheroptions/applicationsmightexist.,Ifwedonotenforceaprovisionatanypointintime,itdoesnotmeanwecannot,andwillnotenforceitlater.,57.Applicablelaw,Thisagreementshallbegovernedandinterpretedinaccordancewiththelaws,oftheNetherlands.,Notwithstandingtheabove,mandatoryconsumerprotectionlawsofyour,countryofresidencewillremainvalid/applicable.,Anydispute,controversyorclaimshallberesolvedexclusivelybytherelevant,courtsinAmsterdam(theNetherlands)orbyacourtatyourplaceofresidence.,31,bunqcardrules,1.Introduction,Viayourbunqaccountyoucaneasilyorderoneormoreawesomebunqcards.,bunqcardsaremuchmorethanjustawesomewalletfilling,theserulesexplain,youallaboutthemandarepartofthebunqpersonaltermsandconditions.,TheserulesapplytotheMobileNF C paymentsfeatureofthebunqappthesame,wayastheyapplytotheNF C functionalitiesofabunqcard.,2.Maestrocard,DebitMastercard,bunqTravel C ard&bunq,Metal C ard,Weofferdifferenttypesofbunqcards:Maestrocard,DebitMastercard,bunq,Travel C ardandbunqMetal C ard.bunqMaestrocardisapaymentcardsuitable,forpaymentsatMaestroterminals(recognizablebytheMaestrologo).bunq,DebitMastercardisadebitcardsuitableforpaymentsatMastercardterminals,(recognizablebytheMastercardlogo)andonlinepayments.,Pleasenote,abunqDebitMastercardisadebitcardandnotacreditcard.This,meanseverybunqMastercardpaymentwillbeimmediatelydeductedfromyour,accountandapaymentwillonlybeexecutedincaseyourbalanceissufficientto,fullycoverthepaymentamount.,bunqTravel C ardandbunqMetal C ardisaMastercardcreditcard,butitis,speciallydesignedtoworkjustlikeadebitcard.Everypaymentthatyoumake,withyourbunqTravel C ardandbunqMetal C ard,isimmediatelytakenfrom,youraccountandwillbepossibleifyourbalanceissufficienttofullycoverthe,Travel C ardandMetal C ardpaymentamount.Pleasehavealookat C hapter11of,theTermsand C onditionsfortherulesonnegativebalanceinyouraccount.,ThebunqMetal C ardcanbeordereduponpre-paymentofeithertwenty-four,(24)monthsofbunqEasyMoneyPersonal,twelve(12)monthsofbunqEasy, G reenPersonal,twelve(12)monthsofbunqPack(Packowner)or€129(Pack,member).Thispre-paymentisnon-refundable.,Everypaymentisdirectlytakenfromyouraccountandwewillshowyouyour,newavailablebalanceinthebunqapp.bunqTravel C ardandbunqMetal C ard,aresuitableforpaymentsatMastercardterminals(recognizablebythe,Mastercardlogo)andonlinepayments.,Theserulesapplytoalltypesofbunqcardsunlessspecifiedotherwise.,3.Payments,Soyouorderedabunqcard,nowwhat?Assoonasyouhavereceivedyourcard,,youcanactivateitviathebunqappandstartspendingmoneyimmediately!,Withyourbunqcardyoucanmakeregularcardpaymentsbyinsertingyour,cardintoaterminalandenteringyourcode.YoucanalsouseyourMaestroand,DebitMastercardsfor‘contactless’(NF C )paymentsandfor‘dipping’.Whenyou,32,initiateadippingtransaction,youhavetoinsertyourcardintheterminaland,partofyourfundswillbereserved.Whenyousubsequentlyconcludethe,transaction,theactualamountispaidwith(apartof)thereservedamount.By,wayofillustration:youdriveintoaparkinglot,youinsertyourcardinthe,terminalandanamountisreserved.Whenyouleavetheparkinglot,thecosts,arepaidwith(partof)thereservedamountandtherestisreleased.,bunqDebitMastercards,bunqTravel C ardsandbunqMetal C ardsarealso,suitableforonlinepayments.Tomakeanonlinepayment,youwillneedtoenter,yourcardnumberand C ardVerification C ode( C V C )online.Youcanfindyour,cardnumberprintedonthebackofyourcard.Forsecurityreasons,wedidnot,alsoprintthe C V C onyourcard.Insteadweusethebunqapptogenerate,temporary C V C s.Whenmakingapayment,justlogintothebunqappandlook,inthecardmenufortheactive C V C .,PleasecheckourTogetherformoreinformationaboutcardpayments.Youcan,findourTogetheronwww.bunq.com.,4.
C ashmoney,Withyourbunqcard,youcanwithdrawmoneyatATMswitha,Maestro/Mastercardlogo.Forsafetyreasonsweapplylimits.Inthebunqappyou,canfindthedefaultlimits.Youcanadjusttheselimitsyourself.,5.Usingyourcardabroad,Doyouwanttouseyourcardonaholiday?Noproblem!Inthebunqappyou,canchangethecountrysettingsofyourcard.,Whenyouexecutetransactionsorwithdrawmoneyinothercurrenciesthan,euro,weconvertthetransactionamounttoeurousingtheMastercardexchange,rate.Theseexchangeratesmaychangefromtimetotime.Pleaseseethelatest,informationonpricingonourwebsitewww.bunq.com/legal.,Whenyoureturnfromholidayweadviseyoutoadjustthecountrysettingof,yourcardagainandtoblockyourcardforregionswhereyouarenotgoingto,useyourcard.,6.Limits,Withyourbunqcardyoucanonlyspendmoneythatyouactuallyhave.Wedon't,offeroverdrafts,creditandpaymentsatofflineterminals.,Forsafetyreasonsweapplylimitsoncertaintransactions.Inthebunqappyou,canfindthedefaultlimits.Youcanadjusttheselimitsyourself.,7.Refundtransactions,Insomestoresyoucanrequestarefundtransactionwhenyoureturnaproduct.,Forexample,whentheshoesyouboughtdidn’tlookasnicewhenyouputthem,onathome.,33,Whenarefundtransactionisexecuted,thepurchasepriceistransferredbackto,yourbunqaccount.You’renotrequiredtoenteryourcodetoexecutethis,transaction.Weadviseyoutoalwaysaskforasignedreceiptasproof.,8.EmergencyServices,TogetherwithMastercardweprovideemergencyservicesforbunqMastercard,holders.,Notallemergencyservicesarefreeofcharge.Pleaseinquireaboutthecosts,beforeusingaservice.,PleasecalltheMastercardAssistance C enterincaseyouwanttousethe,emergencyservice.YoucanfindthephonenumberonTogether(see,www.bunq.comorusethebunqapp).,9.
C osts,Pleasehavealookatourwebsite(www.bunq.com/pricing)foracomplete,overviewofallthecosts.,Youcannotifyusincaseyoufeelacardpaymentwaswronglyexecuted.Ifyou,disputeatransaction,wecanstartaformaldisputeprocedureforyou.Wemight,incurcostsasaconsequenceandwillchargeyouforthesecosts.Formore,information,pleaseseewww.bunq.com/terms-chargeback.,10.
C ustomMade,Whenyouorderapaymentcard,wewillmakeacardespeciallyforyou.
C ustom,made,withyourowntextonit!Sincethecardispersonalized,wecannotgive,youarefundincaseyouchangeyourmindanddonotwantthecard.,Partofthisprocessisthatyoucanchoosethenametobeprintedonyourcard.,Asstandard,yourlegalnamewillbedisplayedonthecard.However,youcan,alsochoosea‘preferred’firstname,allowingyoutousethenameyouidentify,with.,Pleaserefrainfromchoosinganyoffensiveorotherwiseinappropriatenamesor,words.Weacceptnoliabilityfortheconsequencesofusinganameotherthan,yourlegalname.Weretaintherighttocancelyourcard(s)and/orcloseyour,accountifwefeelthatyou’vemisusedthisservice.,11.Ownership,Yourbunqcardwillstaypropertyofbunqandwewilldecidewhatinformation,willbeprintedonyourcard.Forsafetyreasonsyouarenotallowedtochange,,copy,lendorsellyourcardwithoutourexplicitpriorwrittenconsent.,Wecanblockorchangethefunctionalitiesofyourbunqpayment.Incasewedo,so,wewillofcourseinformyouassoonaspossible.,34,12.Validity,Justlikeacartonofmilk,bunqcardsalsohaveanexpirationdate.Thedateis,printedoneverybunqpaymentcard.Youwon’tbeabletouseyourcardafter,thisdate.Weadviseyoutodestroythecardafterexpiration.,13.
C ardsecurity,Thesecurityofyourcardisyourownresponsibility.Pleasetakeadequate,measuresandusebesteffortstopreventunauthorizedaccess/useofyourcards.,Tohelpyoukeepyourcardssecure,alwayskeepthefollowinginmind:,-Storeyourcardinasecureplaceandcheckfrequentlyifyoustillhaveit;,-Don’tstoreyourPINoranyothersecurenumber(s)inareadableway,(physicallyordigitally)allowingthemtobeusedbyothers;,-MakesurenooneiswatchingwhenyouenterPINorothersecure,number;,-Whenyouknoworsuspectthatyourcardisstolen,broken,lostorinany,otherwaymisused,pleaseimmediatelyblockthecardviathebunqapp,andreportthistousrightaway;,-Ifyoudoubtthesecurityofyourcardforsomeotherreason,pleaseblock,thecardviathebunqappandreportthistousrightaway(youcanalways,orderanewcardifneeded);,-Incasewehavereasontodoubtthesecurityofyourcard,wecanalso,blockyourcard.Wewillinformyouincasewedoso.,Forthegeneralsecurityguidelinesforusingyourbunqaccount,pleaseseethe,securitysectioninthegeneraltermsandconditions.,14.Liability,Yourcardisyourresponsibility.Thismeansyouareresponsibleforallactions,performedwithit.Incaseyourcardislost,stolenand/orusedwithoutyour,permission,wecanholdyouliablefordamagesupto€150.Thatisunlessyou:,-kneworsuspectedthatsomethingwaswronganddidnotblockyour,card;,-didnotimmediatelynotifyus;,-didnotkeepyouragreementwithus;,-didnotcomplywithoursecurityguidelines;or,-ifthedamagesarearesultofyourownintentorgrossnegligence.,Intheabovementionedcasesyouarefullyliableforthedamages.,35,Weareliableforyourtotallossincaseyouincurdamagescausedbyintentor,grossnegligencefromourside.Nothinginthisagreementlimitsourliabilityfor,damagestolife,bodyandhealth.,36