Bunq Credit Card

Looking for a flexible, fully digital Mastercard with no foreign transaction fees? Bunq offers a range of card options in the Netherlands — from free virtual cards to full-featured travel-ready debit cards with insurance and cashback. With multiple plans and no credit check required, Bunq appeals to both everyday spenders and frequent travelers who want control through a smart app-first experience.

Bunq Mastercard Overview

Bunq Mastercard is issued by the Dutch digital bank Bunq and functions either as a prepaid or debit Mastercard, depending on the selected subscription. All cards are managed through Bunq’s mobile-first banking app and can be used online, in-store, and abroad.

There is no credit check (BKR screening) required, making it accessible to users who want spending control without traditional credit risk. You can use the card with Apple Pay and Google Pay, choose your own PIN, and manage up to 25 cards (virtual or physical) depending on your plan.

International use is seamless — no currency conversion fees are charged within the limits of your plan. And with an interest rate of 2.51% paid weekly, Bunq also offers a competitive savings option tied directly to your account balance.

How to Apply for a Bunq Card in the Netherlands

Applying for a Bunq card is a fully digital process. You don’t need to visit a branch or submit paperwork by mail. Everything is handled through the mobile app or website.

1. Download the Bunq App

Visit the App Store or Google Play and install the official Bunq app. This is required to open an account and order your card.

2. Create an Account

Provide basic personal details, including name, address, email, and phone number. You’ll also set up login credentials and confirm your identity via a selfie and a valid ID (passport or national ID card).

3. Choose Your Subscription

Select from the Free, Core, Pro, or Elite plan. Each plan includes different card types and account features. You can compare them directly in the app before committing.

4. Order Your Card

Once verified, you can order a physical card (if included in your plan) and activate virtual cards immediately. The physical card typically arrives within 10 working days.

5. Start Using

Once your account is active, you can load money via iDEAL or bank transfer. The Bunq card can be added to Apple Pay or Google Pay right away for instant use.

No credit check (BKR) is required, and even international users with Dutch residency can apply with ease.

Bunq Subscriptions Compared

Bunq offers four subscription levels with increasing benefits and features. All plans include access to the Bunq app, a high savings interest, and foreign currency payments without conversion fees (within limits). Here’s how the plans compare:

Plan	Monthly Fee	Cards Included	Virtual Cards	Accounts	Currency Exchange	Cashback / Insurance
Free	€0	1 virtual card	Yes	1	Yes	None
Core	€3.99	1 physical card	1	5	Yes	None
Pro	€9.99	3 physical cards	Up to 25	Up to 25	Yes (up to 5 free/month)	None
Elite	€18.99	3 physical cards	Up to 25	Up to 25	Yes (up to 10 free/month)	Travel insurance, up to 2% cashback

The Free plan is ideal for basic spending and online payments. Core and Pro unlock more flexibility for multiple accounts and cards. Elite is aimed at users who want extra perks like insurance, cashback, and better international benefits.

Benefits of the Bunq Mastercard

The Bunq Mastercard offers a set of features tailored to modern banking needs, especially for digital users, frequent travelers, and those seeking financial flexibility without traditional banking constraints.

No Foreign Transaction Fees

All Bunq plans include fee-free spending in foreign currencies. This makes the card ideal for travel, online shopping on international websites, or living abroad. Higher-tier plans like Pro and Elite allow more free currency exchanges each month.

High Interest on Savings

Bunq offers 2.51% interest on deposits, paid out weekly. This rate is significantly higher than traditional Dutch banks and applies across all account tiers, including the free plan.

Fully Digital Banking

You can manage everything via the Bunq mobile app, from opening an account and freezing your card to setting spending limits and tracking expenses. The user interface is intuitive and designed for fast, self-managed banking.

Flexible Card Management

Depending on your subscription, you can get up to 25 virtual or physical cards, which is ideal for separating spending categories or business/personal use. You can also choose your own PIN and enable/disable specific card features like contactless payment or country-specific usage.

Travel Features (Elite Only)

The Elite plan includes travel insurance, up to 2% cashback, and enhanced ATM access. While these features aren’t available on the lower tiers, they can offer good value for frequent flyers or remote professionals.

Fast and Free Account Funding

You can top up your Bunq account via iDEAL or SOFORT with no added cost. This is convenient for Dutch residents and also useful for international users who rely on instant top-ups.

These benefits make Bunq Mastercard a strong contender for users who prioritize app control, modern banking functions, and international flexibility—especially if you’re willing to pay for premium features.

Fees and ATM Withdrawals

Bunq’s fee structure varies by subscription, offering flexibility based on how you intend to use the card. While the Free plan gives access to essential services, higher-tier plans offer enhanced ATM access and reduced withdrawal costs.

ATM Withdrawal Policy

• Free plan: €2.99 per withdrawal, no free monthly withdrawals.
• Core plan (€3.99/month): First 5 withdrawals per month at €0.99, then €2.99 each.
• Pro & Elite plans: First 6 withdrawals per month are free, then €0.99 for 5 more, followed by €2.99.

This tiered model favors users who upgrade for better value, especially if they rely on cash withdrawals during travel or regular use.

Monthly Fees (by Plan)

Plan	Monthly Fee	ATM Withdrawals	Foreign Currency Payments	Virtual Cards	Interest
Free	€0	€2.99 per withdrawal	Yes, no fee	1	2.51%
Core	€3.99	First 5 at €0.99	Yes, no fee	1	2.51%
Pro	€9.99	6 free, next 5 at €0.99	Yes, no fee (5 per month)	Up to 25	2.51%
Elite	€18.99	6 free, next 5 at €0.99	Yes, no fee (10 per month)	Up to 25	2.51%

Bunq’s pricing model incentivizes subscription upgrades for active users. If you primarily use digital payments and rarely withdraw cash, even the free version can be cost-effective. For travelers or professionals who need more ATM flexibility, Pro or Elite offers better value.