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bunq: Challenging the status quo of global payments
bunq had a choice: build its cross-border payments infrastructure from scratch or find a partner that matched its ambition. The bank made a strategic decision — get the inside track in our latest case study.
Despite living in an increasingly digital global economy, sending money across borders remains surprisingly difficult. Payments take days, fees are confusing and users are left guessing when their money will actually arrive. For banks, managing these cross-border transactions means dealing with regulatory complexity and intermediary-heavy processes that create operational headaches.
For bunq, the second-largest neobank in Europe with over 17 million users, this wasn't acceptable. Built on a reputation for exceptional user experiences, bunq knew its rapidly growing user base deserved better than slow, expensive and confusing cross-border transactions.
For a bank built around its users, slow and expensive cross-border payments were unacceptable for bunq.
A critical choice
bunq had a clear goal: offer seamless global payments to its users, fast. Building an international payments infrastructure from the ground up would mean years of work, major investment, and a distraction from what really matters — creating a great user experience.
Instead of reinventing the wheel, bunq looked for a partner that could match its pace and ambition. A partner that had already solved the complexities of cross-border payments, so bunq could stay focused on doing what it does best: building a bank that puts users first.
Finding the right partner
Rather than leaving this to chance, bunq went straight to the source: its users. In-depth research and user surveys revealed four non-negotiables: instant payments, low costs, complete transparency and certainty about when money would arrive.
These weren't nice-to-have features — they were critical for a neobank that had built its brand on putting the user first. These became the key criteria for selecting a partner that would deliver success within these exact requirements.
After a thorough evaluation process, Wise Platform emerged as the standout choice. With our extensive network of direct connections to faster local payment systems, real-time treasury management capabilities and robust operational automation, we had already solved the complexities of delivering a seamless international payments experience.
The numbers spoke for themselves: 65% of payments delivered within 20 seconds, delivery time estimates with over 90% accuracy, and a 99.5% straight-through processing rate for partner payments.*
bunq users benefit from competitive exchange rates and completely transparent fees. No hidden costs, no surprises, no wondering where money went or when it would arrive.
Transformation at scale
The collaboration delivered immediate results. Through a simple, secure API integration, bunq users gained access to over 20 currencies worldwide, including PHP, VND and AUD, with the ability to send money instantly to anywhere in the world.
Our dedicated focus on direct connections to local faster payments schemes enhanced the transparency and control of each transaction for bunq and its users, eliminating slow, complex intermediary-heavy processes.
The result? Highly competitive exchange rates and completely transparent fees. No hidden costs, no surprises, no wondering where money went or when it would arrive.
For bunq’s global user base, our network and shared values around user experience and innovation made it easier to move money across borders without added friction.
Our partnership continues to flourish because we share the same DNA: putting users first. We both believe exceptional payment experiences should be accessible to everyone, everywhere.
Learn more about Wise Platform
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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