bunq Credit Card vs N26 Mastercard
Two credit cards for expats in the Netherlands, figure by figure.
bunq Credit Card is the stronger pick for most expats.
- Foreign transaction fee: 0.50% vs 1.70%
| Figure | ||
|---|---|---|
| Monthly fee | €0 | €0 |
| Foreign transaction fee | 0.50% (better) | 1.70% |
| Card network | mastercard | mastercard |
| Travel insurance | Not included | Not included |
| Apple Pay | Supported | Supported |
| Card type | Debit card | Debit card |
| Minimum income | Not stated by the issuer | Not stated by the issuer |
| BKR checked when you apply | No | Not stated |
| Card registered at BKR | Not stated | Not stated |
| Rate check | Verified 29 October 2026 | Not yet verified |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
bunq Credit Card
What we like
- No foreign transaction fees (ZeroFX)
- Excellent mobile app
- Instant notifications
- Create instantly in app
What to consider
- Requires bunq subscription (€2.99-18.99/mo)
- No actual credit line (prepaid)
- Must top up before use
- Lower acceptance than Visa/MC
N26 Mastercard
What we like
- No annual fee
- No fees in eurozone
- Excellent mobile app
- Instant notifications
- Free ATM withdrawals (limited)
What to consider
- Debit card, not true credit
- ATM withdrawal limits on free tier
- 1.7% fee outside eurozone
- No rewards program
Questions
Is bunq Credit Card or N26 Mastercard better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Foreign transaction fee: 0.50% vs 1.70%
Which card has lower fees abroad, bunq Credit Card or N26 Mastercard?
bunq Credit Card is cheaper abroad, with a 0.50% foreign transaction fee.
Do bunq Credit Card and N26 Mastercard check or register you at BKR?
bunq Credit Card: BKR is not checked when you apply; it doesn’t say whether the card is registered. N26 Mastercard: The issuer doesn’t say whether it checks BKR; it doesn’t say whether the card is registered.