{"componentChunkName":"component---src-templates-post-js","path":"/amerykanie-nie-chca-u-siebie-europejskich-nebankow-bunq-bez-amerykanskiej-licencji/","result":{"data":{"mysqlPost":{"id":"mysql__Post__94406","ID":94406,"post_date":"2026-08-11T08:32:58.000Z","post_modified":"2026-08-11T08:33:28.000Z","lead":"OCC odrzucił wniosek firmy, wskazując na poważne zastrzeżenia dotyczące nadzoru i zgodności z przepisami.","post_content":"<p>Amerykański regulator wskazał na „poważne obawy dotyczące nadzoru i zgodności z przepisami”. Zastrzeżenia dotyczą między innymi przygotowania Bunq do działalności na rynku amerykańskim oraz sposobu, w jaki firma zamierzałaby finansować swoją obecność w USA.</p><h2 style=\"text-align: left;\">Holenderski Bunq nie otrzymał licencji bankowej w USA</h2><p>Jednym z problemów wskazanych przez OCC jest brak wystarczająco szczegółowych informacji dotyczących kapitału, który miałby zostać przeznaczony na działalność Bunq w Stanach Zjednoczonych. Wątpliwości nadzorcy wzbudziły także niewystarczające doświadczenie kadry menadżerskiej w prowadzeniu działalności w USA, czy niejasny biznesplan w kontekście osiągnięcia rentowności.</p><p>Nie jest to pierwsza próba uzyskania przez Bunq amerykańskiej licencji bankowej. Firma złożyła poprzedni wniosek w 2024 roku, ale później zdecydowała się go wycofać. Na początku tego roku neobank ponownie rozpoczął starania o uzyskanie zezwolenia. Tym razem również nie zakończyły się one sukcesem.</p><p>Bunq nie zamierza jednak rezygnować z amerykańskiego rynku. Przedstawiciele firmy zapowiadają, że odpowiedzą na zastrzeżenia regulatora i będą kontynuować działalność w USA.</p><p>Według rzecznika Bunq OCC oczekuje między innymi znacznie bardziej szczegółowego planu przygotowanego z myślą o amerykańskim rynku, większego doświadczenia w zakresie produktów, które firma chce oferować, oraz dokładniejszych informacji dotyczących struktury finansowej przedsiębiorstwa.</p><p>Bunq jest jednym z największych europejskich neobanków. Firma rozwija usługi finansowe oparte przede wszystkim na aplikacji mobilnej i kieruje swoją ofertę do klientów oczekujących cyfrowej alternatywy dla tradycyjnej bankowości.</p><p>W ostatnich tygodniach OCC odrzucił również wniosek innego dużego europejskiego<span data-link=\"https://fintek.pl/definicja-fintech-fintech/\"> fintechu</span> – brytyjskiej firmy Wise. W tym przypadku również powodem były zastrzeżenia dotyczące zgodności z wymogami regulacyjnymi.</p>\n","post_title":"Amerykanie nie chcą u siebie europejskich nebanków. Bunq bez amerykańskiej licencji","post_excerpt":"Holenderski neobank Bunq nie otrzymał zgody na prowadzenie działalności bankowej w Stanach Zjednoczonych. Office of the Comptroller of the Currency (OCC) odrzucił wniosek firmy, wskazując na poważne zastrzeżenia dotyczące nadzoru i zgodności z przepisami. 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