I put 100 million of my own money into building a bank. When the founder has that much skin in the game the incentives are aligned.

Revolut has 40 million users and billions in losses. Bunq has 12 million users and is profitable. I prefer our model.

We have a real banking license. We are not a fintech pretending to be a bank. We are a bank that happens to be tech-first.

Amsterdam is the perfect place to build a European bank. Central location. Multilingual talent. And the regulators actually understand innovation.

Every tree planted. Every transaction tracked. Banking should be transparent about where your money goes.

I did not need VC money to build Bunq. That independence is the most valuable thing we have.