Hey bunqers 🌈,

At bunq, we strive to make your life easy every day! What’s cooler is that you can spend money and get a percentage back! You’ll be able to earn part of your money back by using your Credit Mastercard with our newest Cashback feature 🚀

How do you determine which payments qualify for Cashback?

The payments that are eligible for earning Cashback are determined by the categories assigned by Mastercard’s Merchant Category Codes.

Restaurants & Bars

• Fast Food Restaurants

• Eating Places, Restaurants

• Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns – Drinking Places (Alcoholic Beverages)

• Caterers

• Bakeries

Public Transportation

• Transportation – Suburban and Local Commuter Passenger, including Ferries

• Passenger Railways

• Bus lines

• Transportation Service

Keep in mind that Cashback won't be earned if the merchant has a different Mastercard Merchant Category code other than the ones listed above.

Payments with Business Credit Cards (virtual and physical) and Employee Cards

Verified Business account users will receive Cashback on each payment made with their Credit Cards (virtual and physical) and Employee Cards. The amount of Cashback you receive depends on your plan:

• If you’re on the bunq Free or Core plan, you get 0.5% Cashback

• If you’re on the bunq Pro plan, you get 1% Cashback

• If you’re on the bunq Elite plan, you get 1% Cashback on all purchases, 2% Cashback on Public Transportation and you can invite 2 Cashback friends to earn 1% Cashback on all purchases (both Personal and Business users)

You can also link your Business Credit card to your Personal Bank Account and earn 1% Cashback on every purchase made with the card.

Note: Business Cashback is only available for cards ordered through your Business account.

Who can earn Cashback?

You can earn Cashback only if you signed up for a bunq account before August 23, 2025. If you signed up for a bunq account after August 23, 2025, you can not currently receive Cashback on your card payments.

If you signed up before August 23, 2025, you can find out more about who can earn Cashback and how it works here.

Which cards are eligible for Cashback?

Only payments made with the following cards will qualify for Cashback:

• Credit Mastercard

• Metal Credit Mastercard

• Virtual Credit Card

• Employee Card

Payments made with Debit Card (Maestro), Debit Card (Mastercard), Direct Debits, or iDeal are not eligible for Cashback.

How can I see if my card is eligible?

You can easily see if your card is eligible for Cashback by following the steps below:

1. Go to 🏠 Home

2. Tap on your card

3. Check if it has the ✅ Cashback label

Any existing Credit Mastercard is also eligible for Cashback - no need to order a new one.

How is Cashback calculated?

To see how we calculate your Cashback, click here