User
At bunq, everything revolves around the User—it's the foundation of our app, services, and API. That’s why almost every endpoint you’ll use starts with /user.
There are three types of users, each with its own endpoints, permissions, and properties:
user-person– for individual users (/user-person)user-company– for business users (/user-company)user-payment-service-provider– for PSD2-certified third-party providers (/user-payment-service-provider)
The general /user endpoint acts as a smart wrapper over all these types. So when you make a GET /user request after opening a session, you’ll receive your specific user ID and type—this is usually one of the first steps in any integration.
👤 user-person and user-company
user-person and user-companyThese are regular bunq users with subscriptions. If you're a bunq customer, you'll fall into one of these categories. As a user, you can:
Create monetary accounts (our term for bank accounts)
Order cards
Make and receive payments
These objects work together and have subtypes, which we’ll explain in the next sections.
🏦 user-payment-service-provider
user-payment-service-providerThis type of user is for companies certified under PSD2 regulations. When a company registers a valid eIDAS certificate, we create a user-payment-service-provider account and return an API key.
These users:
Don’t have access to the bunq app
Can only operate via the API
Can act on behalf of bunq users, within the scope of their PSD2 role:
AISP (Account Information Service Provider)
PISP (Payment Initiation Service Provider)
CBPII (Card-Based Payment Instrument Issuer)
Example:
{
"Response": [
{
"UserPerson": {
"id": 2040503,
"created": "2025-07-21 09:14:18.001154",
"updated": "2025-07-21 09:14:18.048752",
"status": "ACTIVE",
"sub_status": "NONE",
"public_uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
"display_name": "A. Visser",
"public_nick_name": "Ayako",
"language": "en_US",
"region": "en_US",
"session_timeout": 604800,
"daily_limit_without_confirmation_login": {
"currency": "EUR",
"value": "250.00"
},
"relations": [],
"alias": [
{
"type": "PHONE_NUMBER",
"value": "+31619257130",
"name": "+31619257130"
},
{
"type": "EMAIL",
"value": "[email protected]",
"name": "[email protected]"
}
],
"avatar": {
"uuid": "9debf55b-70b1-4d43-8d51-d6e7bd42fb5b",
"image": [
{
"attachment_public_uuid": "4b7e0d1d-9167-48ac-990a-70e342c87812",
"height": 126,
"width": 200,
"content_type": "image/jpeg",
"urls": [
{
"type": "ORIGINAL",
"url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/6979a145b7ea9ecc3459358122cb560608f02d36d4b8cd6b770f50e36aa35512.jpg"
}
]
}
],
"anchor_uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
"style": "NONE"
},
"tax_resident": null,
"notification_filters": [
{
"notification_delivery_method": "PUSH",
"category": "BADGE"
},
{
"notification_delivery_method": "PUSH",
"category": "BANK_SWITCH_SERVICE"
},
{
"notification_delivery_method": "PUSH",
"category": "BANK_SWITCH_SERVICE_PAYMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "BILLING"
},
{
"notification_delivery_method": "PUSH",
"category": "BUNQME_TAB"
},
{
"notification_delivery_method": "PUSH",
"category": "BUNQME_FUNDRAISER"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TRANSACTION_FAILED"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TRANSACTION_SUCCESSFUL"
},
{
"notification_delivery_method": "PUSH",
"category": "CHAT"
},
{
"notification_delivery_method": "PUSH",
"category": "CO_OWNER_INVITE"
},
{
"notification_delivery_method": "PUSH",
"category": "DRAFT_PAYMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "FEATURE_ANNOUNCEMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "FRIEND_SIGN_UP"
},
{
"notification_delivery_method": "PUSH",
"category": "PACK"
},
{
"notification_delivery_method": "PUSH",
"category": "IDEAL"
},
{
"notification_delivery_method": "PUSH",
"category": "SOFORT"
},
{
"notification_delivery_method": "PUSH",
"category": "INVITE_USER"
},
{
"notification_delivery_method": "PUSH",
"category": "MONETARY_ACCOUNT_JOINT"
},
{
"notification_delivery_method": "PUSH",
"category": "MONETARY_ACCOUNT_PROFILE"
},
{
"notification_delivery_method": "PUSH",
"category": "MUTATION"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "PROMOTION"
},
{
"notification_delivery_method": "PUSH",
"category": "REQUEST"
},
{
"notification_delivery_method": "PUSH",
"category": "SCHEDULE_RESULT"
},
{
"notification_delivery_method": "PUSH",
"category": "SCHEDULE_STATUS"
},
{
"notification_delivery_method": "PUSH",
"category": "SHARE"
},
{
"notification_delivery_method": "PUSH",
"category": "SUPPORT"
},
{
"notification_delivery_method": "PUSH",
"category": "TAB_RESULT"
},
{
"notification_delivery_method": "PUSH",
"category": "TAX_IDENTIFICATION_NUMBER_WARNING"
},
{
"notification_delivery_method": "PUSH",
"category": "USE_RESPONSE"
},
{
"notification_delivery_method": "PUSH",
"category": "USE_RESPONSE_NATIVE_COMMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "USE_RESPONSE_NATIVE_TOPIC"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_APPROVAL"
},
{
"notification_delivery_method": "PUSH",
"category": "WHITELIST"
},
{
"notification_delivery_method": "PUSH",
"category": "WHITELIST_RESULT"
},
{
"notification_delivery_method": "PUSH",
"category": "SLICE_BADGE"
},
{
"notification_delivery_method": "PUSH",
"category": "SLICE_CHAT"
},
{
"notification_delivery_method": "PUSH",
"category": "SLICE_REGISTRY_ENTRY"
},
{
"notification_delivery_method": "PUSH",
"category": "SLICE_REGISTRY_MEMBERSHIP"
},
{
"notification_delivery_method": "PUSH",
"category": "SLICE_REGISTRY_SETTLEMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "EXPERIENCE"
},
{
"notification_delivery_method": "PUSH",
"category": "ACHIEVEMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "DIRECTOR"
},
{
"notification_delivery_method": "PUSH",
"category": "POPUP_NOTIFICATION"
},
{
"notification_delivery_method": "PUSH",
"category": "SUBSCRIPTION_TRIAL"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD"
},
{
"notification_delivery_method": "PUSH",
"category": "FLARUM"
},
{
"notification_delivery_method": "PUSH",
"category": "REMINDER_REQUEST"
},
{
"notification_delivery_method": "PUSH",
"category": "INSTANT_PAYMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "PREMIUM_LIMITED"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TRANSACTION_UPDATED"
},
{
"notification_delivery_method": "PUSH",
"category": "REFERRAL"
},
{
"notification_delivery_method": "PUSH",
"category": "REWARD"
},
{
"notification_delivery_method": "PUSH",
"category": "SELECT_USER"
},
{
"notification_delivery_method": "PUSH",
"category": "INTEREST"
},
{
"notification_delivery_method": "PUSH",
"category": "REMINDER_USER_IDENTIFICATION_VERIFICATION"
},
{
"notification_delivery_method": "PUSH",
"category": "JOINT_MEMBERSHIP"
},
{
"notification_delivery_method": "PUSH",
"category": "RISK_INFORMATION"
},
{
"notification_delivery_method": "PUSH",
"category": "CHECKOUT_MERCHANT"
},
{
"notification_delivery_method": "PUSH",
"category": "BARZAHLEN"
},
{
"notification_delivery_method": "PUSH",
"category": "LOCATION_EVENT"
},
{
"notification_delivery_method": "PUSH",
"category": "TREE"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TRANSACTION_REFUND"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_REVIEW"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_DYNAMIC_CURRENCY_CONVERSION_WARNING"
},
{
"notification_delivery_method": "PUSH",
"category": "BANCONTACT_MERCHANT"
},
{
"notification_delivery_method": "PUSH",
"category": "TRIBE_GREEN"
},
{
"notification_delivery_method": "PUSH",
"category": "TRIBE_RANK_GREEN"
},
{
"notification_delivery_method": "PUSH",
"category": "GREEN_O_METER"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TRANSACTION_TOKENIZED"
},
{
"notification_delivery_method": "PUSH",
"category": "MONETARY_ACCOUNT_BALANCE"
},
{
"notification_delivery_method": "PUSH",
"category": "SUPPORT_ANNOUNCEMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "GIROPAY_MERCHANT"
},
{
"notification_delivery_method": "PUSH",
"category": "OAUTH"
},
{
"notification_delivery_method": "PUSH",
"category": "RELATION_USER_REQUEST"
},
{
"notification_delivery_method": "PUSH",
"category": "TRIBE_COMMON_GOAL"
},
{
"notification_delivery_method": "PUSH",
"category": "FULFILLMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "INVITE_REFERRAL_STREAK"
},
{
"notification_delivery_method": "PUSH",
"category": "OPEN_BANKING"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_EXPIRY"
},
{
"notification_delivery_method": "PUSH",
"category": "SAVINGS_BUDGET_WARNING"
},
{
"notification_delivery_method": "PUSH",
"category": "IDIN"
},
{
"notification_delivery_method": "PUSH",
"category": "SECURE_CODE"
},
{
"notification_delivery_method": "PUSH",
"category": "TRANSIT_TRIP"
},
{
"notification_delivery_method": "PUSH",
"category": "FEATURE_SUGGESTION"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_RECORDING"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_IMPERSONATION"
},
{
"notification_delivery_method": "PUSH",
"category": "INSIGHT_SUBSCRIPTION"
},
{
"notification_delivery_method": "PUSH",
"category": "SUBSCRIPTION_SWITCH"
},
{
"notification_delivery_method": "PUSH",
"category": "MASTERCARD_IDENTITY_CHECK"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYSAFECASH"
},
{
"notification_delivery_method": "PUSH",
"category": "SAVINGS_SMART_SAVE"
},
{
"notification_delivery_method": "PUSH",
"category": "SAVINGS_AUTO_ROUTE"
},
{
"notification_delivery_method": "PUSH",
"category": "BUNQME_TAB_RESULT_INQUIRY"
},
{
"notification_delivery_method": "PUSH",
"category": "BUNQME_TAB_RESULT_RESPONSE"
},
{
"notification_delivery_method": "PUSH",
"category": "TRANSLINK"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYMENT_INVESTIGATION"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_REPLACEMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "MARKETING_COMMUNICATION"
},
{
"notification_delivery_method": "PUSH",
"category": "JACKPOT"
},
{
"notification_delivery_method": "PUSH",
"category": "JACKPOT_INVITE"
},
{
"notification_delivery_method": "PUSH",
"category": "INCIDENT_USER_COMMUNICATION"
},
{
"notification_delivery_method": "PUSH",
"category": "RELATION_USER_SUGGESTION"
},
{
"notification_delivery_method": "PUSH",
"category": "DEBT"
},
{
"notification_delivery_method": "PUSH",
"category": "WHEEL_OF_FORTUNE_PRIZE"
},
{
"notification_delivery_method": "PUSH",
"category": "CASHBACK"
},
{
"notification_delivery_method": "PUSH",
"category": "CONTACT_PHONEBOOK_SIGNUP"
},
{
"notification_delivery_method": "PUSH",
"category": "REGISTRY_FEED"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYDAY"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TOKENIZATION"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_TRANSACTION_AMOUNT_UPDATED"
},
{
"notification_delivery_method": "PUSH",
"category": "ADYEN_MERCHANT"
},
{
"notification_delivery_method": "PUSH",
"category": "ADYEN_CARD_TRANSACTION"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_VISITED_DEVICE"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYMENT_DELAYED"
},
{
"notification_delivery_method": "PUSH",
"category": "TRAVEL_INSURANCE"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYMENT_SUSPENDED"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_SETTING_PAYMENT_SUSPENDED"
},
{
"notification_delivery_method": "PUSH",
"category": "PAYMENT_UPDATED"
},
{
"notification_delivery_method": "PUSH",
"category": "CREDIT_LINE_OFFER"
},
{
"notification_delivery_method": "PUSH",
"category": "CREDIT_LINE_REPAYMENT"
},
{
"notification_delivery_method": "PUSH",
"category": "REMINDER_WHEEL_OF_FORTUNE"
},
{
"notification_delivery_method": "PUSH",
"category": "GINMON_ACCOUNT"
},
{
"notification_delivery_method": "PUSH",
"category": "GINMON_TRANSACTION"
},
{
"notification_delivery_method": "PUSH",
"category": "DEBT_PREVENTION"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_MINOR_MATURITY"
},
{
"notification_delivery_method": "PUSH",
"category": "POINT"
},
{
"notification_delivery_method": "PUSH",
"category": "POINT_SUMMARY"
},
{
"notification_delivery_method": "PUSH",
"category": "GINMON_ACCOUNT_VALUATION_WEEKLY"
},
{
"notification_delivery_method": "PUSH",
"category": "USER_INFORMATION_INQUIRY"
},
{
"notification_delivery_method": "PUSH",
"category": "BIZUM_TRANSACTION"
},
{
"notification_delivery_method": "PUSH",
"category": "BIZUM_REQUEST"
},
{
"notification_delivery_method": "PUSH",
"category": "ASSISTANT_CONVERSATION"
},
{
"notification_delivery_method": "PUSH",
"category": "CARD_PERSONALIZATION"
},
{
"notification_delivery_method": "PUSH",
"category": "SIM_VIRTUAL"
},
{
"notification_delivery_method": "PUSH",
"category": "ASSISTANT_ACTION_SUGGESTION"
},
{
"notification_delivery_method": "PUSH",
"category": "KRAKEN_TRANSACTION"
},
{
"notification_delivery_method": "PUSH",
"category": "KRAKEN_ASSET_ALERT"
},
{
"notification_delivery_method": "PUSH",
"category": "KRAKEN_ACCOUNT"
},
{
"notification_delivery_method": "PUSH",
"category": "COMPANY_EMPLOYEE_CARD"
},
{
"notification_delivery_method": "PUSH",
"category": "SIM_VIRTUAL_PRODUCT_ORDER"
}
],
"address_main": {
"street": "Doyle Close",
"house_number": "638",
"postal_code": "5269 FF",
"city": "Almere",
"country": "NL",
"province": null,
"extra": null,
"mailbox_name": null,
"is_user_address_updated": false,
"id": 12105450,
"created": "2025-07-21 09:14:18.307804",
"updated": "2025-07-21 09:14:18.307804"
},
"address_postal": {
"street": "Doyle Close",
"house_number": "638",
"postal_code": "5269 FF",
"city": "Almere",
"country": "NL",
"province": null,
"extra": null,
"mailbox_name": "Valentin Mitchell",
"is_user_address_updated": false,
"id": 12105451,
"created": "2025-07-21 09:14:18.318763",
"updated": "2025-07-21 09:14:18.318763"
},
"address_shipping": null,
"first_name": "Ayako",
"middle_name": "",
"last_name": "Visser",
"legal_name": "Ayako Visser",
"date_of_birth": "1987-01-15",
"place_of_birth": "Almere",
"country_of_birth": "NL",
"nationality": "NL",
"all_nationality": [
"NL"
],
"gender": "FEMALE",
"version_terms_of_service": "1",
"deny_reason": null,
"document_issuing_authority": null,
"document_expiry_date": "2035-07-21 00:00:00.000000",
"document_status": "ACTIVE",
"is_primary_document": true,
"customer": {
"id": 1748581,
"created": "2025-07-21 09:14:18.907612",
"updated": "2025-07-21 09:14:18.907612",
"billing_account_id": 2428053,
"invoice_notification_preference": "NONE"
},
"customer_limit": {
"limit_monetary_account": 25,
"limit_monetary_account_remaining": 25,
"limit_card_debit_maestro": 1,
"limit_card_debit_mastercard": 2,
"limit_card_wildcard": 3,
"limit_card_debit_wildcard": 3,
"limit_card_debit_maestro_virtual_subscription": 5,
"limit_card_debit_maestro_virtual_total": 0,
"limit_card_debit_mastercard_virtual_subscription": 5,
"limit_card_debit_mastercard_virtual_total": 0,
"limit_card_replacement": 1,
"limit_amount_monthly": null,
"spent_amount_monthly": null,
"limit_card_credit_mastercard": 1
},
"billing_contract": [
{
"BillingContractSubscription": {
"id": 19330950,
"created": "2025-07-21 09:14:18.333150",
"updated": "2025-07-21 09:14:18.333150",
"contract_date_start": "2025-07-21",
"contract_date_end": null,
"contract_version": 1,
"subscription_type": "PERSON_PREMIUM_V1",
"subscription_type_downgrade": null,
"status": "ACTIVE",
"sub_status": "NONE"
}
}
],
"pack_membership": null,
"premium_trial": null
}
}
]
}Last updated
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