Finance · Netherlands (NL)
bunq
Dutch mobile bank with strong privacy stance.
The switch
Chime→bunqalso replaces Revolut (US-exposed flows)
About
bunq is a licensed Dutch bank operating across the EU with a privacy-first product and EU-only data residency.
Why we recommend it
- EU banking license
- Data stays in the EU
- Sustainable banking options
EU vs USA
bunq vs Chime
Side-by-side on jurisdiction, data residency, and the rules that decide who can actually read your data.
Criteria
🇪🇺 bunq
🇺🇸 Chime
Headquarters
Amsterdam
San Francisco, USA
Jurisdiction
Netherlands
USA
Data location
EU
US
GDPR-native
Yes
No
CLOUD Act / FISA exposed
No
Yes
Ad tracking
No
Yes
End-to-end encryption
No
No
Open source
No
No
Ownership
Private
Chime Financial
Founded
2012
2013
Compare head-to-head