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

These 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

This 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)