Key insight: Bunq, a Dutch neobank attempting to enter the U.S. digital banking market, had its charter application denied by the OCC on Friday. Bunq, a Dutch neobank attempting to enter the U.S. digital banking market, had its charter application denied by the OCC on Friday. This is the second denial of a fintech bank charter request from the agency as it is scrutinizing recent applications. The Amsterdam-based neobank Bunq's U.S. banking charter application was denied by the Office of the Comptroller of the Currency even as the agency has approved multiple other fintech requests to become banks this year so far. The OCC decision letter noted that "the denial of the application does not prohibit the filing of a de novo charter application in the future."