# 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) ## 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": "test+41478d1b-7b9c-4d8e-9e32-860fa4cfde24@bunq.com", "name": "test+41478d1b-7b9c-4d8e-9e32-860fa4cfde24@bunq.com" } ], "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 } } ] } ``` --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://doc.bunq.com/basics/bunq-api-objects/user.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.