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bunq Credit Card

bunq · mastercard · Debit card

Apply with bunq
Monthly fee
€0No annual fee
Foreign transaction fee
0.50%on non-euro spending
BKR check
Nonot re-confirmed: see requirements
Income needed
Not statedas stated by the issuer

Rates last verified: 27 October 2026

Checked against bunq’s own pages on 4 October 2026: card type, fee; foreign fee; BKR; BSN. Terms change: check them there before you apply.

About this card

Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).

Debit card: no credit line, it spends your own balance. bunq calls it a credit card and it runs on Mastercard, but by default it spends your bunq balance. A credit line up to €5,000 is in early access for the first 1,000 eligible users per country, after a credit check.

Best for: Digital, Travel, No Forex Fees

Pros and cons

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

All fees and limits

Monthly fee
€0
Fee conditions
The physical card needs bunq Core (€3.99 a month) or higher; bunq Free gets a virtual card.
Foreign transaction fee
0.50%
Foreign fee conditions
bunq Free: 0.5% on the first €1,000 a year, then 1.5%.
Credit limit
No credit line
Interest-free period
Not applicable

Everyday use

Card network
mastercard
Daily ATM withdrawal limit
€1,000
ATM fees
Free up to €200, then 2%
Contactless payments
Supported
Apple Pay
Supported
Google Pay
Supported
Choose your PIN
Yes
Max cards per account
5
Free replacement card
Yes

Insurance

Purchase protection
Not included
Travel insurance
Not included
Flight delay insurance
Not included
Baggage insurance
Not included
Car rental insurance
Not included
Cancellation insurance
Not included
Medical insurance
Not included
Legal assistance
Not included
Fraud protection
Included
24h helpline
Not available

Requirements

Card type
Debit card: no credit line, it spends your own balanceNot re-confirmed since 4 October 2026: check with the provider before you apply.
Minimum income
Not stated by the issuer
BKR checked when you apply
NoNot re-confirmed since 4 October 2026: check with the provider before you apply.
Card registered at BKR
Not stated
BSN
Required: You can open the account first and add your BSN within 90 days.Not re-confirmed since 4 October 2026: check with the provider before you apply.
Delivery time
3 business days

How to apply

  1. 1Gather your documentsHave a valid ID or passport and proof of your address in the Netherlands ready, plus your BSN.
  2. 2Start the applicationVisit bunq's website and fill in the online application form. This typically takes 5–10 minutes.
  3. 3Identity verificationYour identity will be verified. BKR is not checked when you apply; it doesn’t say whether the card is registered.
  4. 4Receive your cardYour card will arrive within 3 business days by post. Activate it online or via the app.
Apply with bunq

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