bunq launches smarter, more powerful upgrade to GenAI financial assistant

• Finn resolves user support queries 25% faster than the industry average.
• Available in 38 languages, the GenAI assistant provides smart, always-on suggestions  earning a 90% user satisfaction rating.
• A true financial assistant for bunq users, Finn has answered millions of user queries since its launch two years ago. 

Amsterdam, December 16, 2025 – bunq, Europe’s second-largest neobank, has released a new upgraded version of Finn, bunq users’ GenAI assistant and AI support agent. This launch solidifies bunq’s position as the first and leading GenAI-powered bank in Europe and marks a new milestone in the future of banking; led by AI and powered by human expertise. The announcement was made during the bunq Update 30 event in Amsterdam.  

Built for bunq’s users, Finn was launched in December 2023 with a single mission: to make life easy. Since then, the AI assistant has proven itself as the always-on guide to its users, managing their most complex questions and helping them make the most out of the bunq app. With a completely upgraded AI system, Finn is now even smarter, providing more accurate answers and human-like conversations, earning it a 90% user satisfaction rating and successfully answering millions of user queries, from financial insights to support requests. Today, bunq uses its AI to train its fraud-detection models and enhance its deepfake detection frameworks, with industry-leading results.

bunq pioneered a new, user-centered banking experience from day one, with its proprietary AI playing a major role, woven into every aspect of its operations and user safety and support. Finn resolves support queries in just 47 seconds, significantly faster than the industry average of one minute and ensures that any user request needing deeper knowledge is routed directly to the right human specialist. With this approach, Finn handles around 97% of all user support activity with real-time, AI-powered speech-to-speech translation, a first for the banking sector. 

As their GenAI Assistant, users most frequently rely on Finn for everyday banking support, especially questions related to card services, payments, and savings. The AI assistant also goes beyond, helping with everything from travel recommendations to questions about specific merchants. In fact, the most common question Finn answers is: “How much did I spend on groceries this month?”. 

"Finn’s anniversary marks a pivotal moment for us. It’s one more step along our journey to make money management not just easier, but smarter and safer," says Joe Wilson, bunq Chief Evangelist. "While traditional banks may use AI to cut costs and replace humans, at bunq we focus on its ability to help our users. By leveraging AI, we’re showing the world what the future of banking looks like: one where your bank truly learns from you, works for you, speaks your language, and helps you get the most out of your finances, anytime, anywhere."

During the bunq Update 30 event, the neobank made another major announcement: the launch of Term Deposits. This new savings option offers users up to a guaranteed 2.11% interest rate on a 12-month term, positioning it among the highest-yielding banks in the countries it operates. Alongside this, the neobank expanded its Auto Round Up feature, now allowing the spare change from every purchase to be automatically invested in crypto. To ensure users remain confidently in control, bunq also introduced instant crypto alerts that automatically notify them of significant price movements.