Hey bunqers 🌈, 

We know that losing a card, getting a damaged one, or suspecting a card may be compromised can feel stressful. That’s why you can replace a physical bunq Card directly from your bunq app. Simply pick the reason for the replacement that best matches your situation, and we’ll take care of the rest.

Which cards can I replace? 

You can replace any of these active or frozen cards: 

• Physical Credit Card

• Physical Debit Card 

For your security, it’s not possible to replace: 

• Digital Cards: These are digital-only, and can’t be replaced with a physical card. 

• Blocked Physical Cards: Blocked cards disappear from your overview, as blocking is a permanent action.

No worries though, if you’d like a new Digital Card or want to replace a blocked Physical Card, you can easily order a brand new card in a matter of seconds. 

How do I replace my physical card?

Follow the steps below to replace your current physical bunq Card:

1. Go to the 💳 Cards tab

2. Select the card you want to replace 

3. Tap on ⚙️ Settings

4. Select Replace Card

5. Choose the reason that matches your situation:

   1. My card is lost or stolen

   2. I don't recognize a payment

   3. My card is damaged

   4. If applicable - My card is expiring

   5. If applicable - My card did not arrive

6. Edit your card details if needed, then select Next

7. Review the information and select Get Your Card

8. You’re all set - a new card is on its way over to you! 

What happens to your current card and your Apple Pay or Google Pay setup depends on the reason you pick. 

What happens when I replace my card?

When you replace your card, we handle what happens to your current card and your mobile wallet set up depending on the reason for the replacement. Here’s what happens when you choose: 

1. My card is lost or stolen: choose this if your card is missing or stolen.

• We create a new card and block your current card right away

• If your previous card was added to Apple Pay or Google Pay, your wallet updates automatically

2. I don't recognize a payment: choose this if you see a payment on your card that you don't recognize.

• We create a new card and block your current card right away

• We remove your card from Apple Pay or Google Pay, so you'll need to add your new card again once it's ready

3. My card is damaged: choose this if your card still works but is worn out or damaged.

• We create a new card

• Your current card keeps working until the new one arrives

• Your new card keeps the same card number, with a new expiry date and CVC

4. My card is expiring: choose this if your card is about to expire and you want to order the replacement yourself.

• We create a new card

• Your current card keeps working until the new one arrives

• Your new card keeps the same card number, with a new expiry date and CVC

You can also wait for the expiry notification and get a free replacement. See Is my card about to expire? below.

5. My card did not arrive: choose this if the card you ordered never showed up.

• We create a new card and block your current card right away

• If your previous card was added to Apple Pay or Google Pay, your wallet updates automatically. 

Are there card replacement fees? 

Card replacement costs depend on your bunq plan and your bunq card type. Here’s a breakdown: 

• With bunq Pro or bunq Elite plans you get 1 free card replacement per calendar year. Any additional card replacements beyond your 1 free card replacement come with a €9.99 replacement fee. 

• With bunq Core, all card replacements come with a €9.99 fee.

• With bunq Free, your plan includes a Digital Card (Credit or Debit), which can’t be replaced. If you need a new one, you can simply cancel it and re-order a new Digital Card. 

• Metal Card: every Metal Card replacement is €99, on any plan. Metal Card replacements don't count toward your 1 free replacement per year.

There is no limit on replacements that you request in a year 🎉

Learn more about replacement costs in our Pricing document..

Is my card about to expire?

Don't worry, we’ve got you covered. You’ll get a push notification in your bunq app asking you to confirm your current address and a new card will be sent your way, completely free of charge. 

This free expiry replacement is extra — it doesn't count as your 1 free replacement for the year. Free expiry replacement doesn't apply to the Metal Card. If your Metal Card is close to expiring, you can order a new one at the standard €99 fee. 

You’re always in control, so if you like to keep on top of these things yourself, you can replace an expiring card yourself with the Replace Card → My card is expiring flow. Your current card will work until the new one arrives, and your new card will keep the same card number, with a new expiry date and CVC.

Metal Card replacement fees

The replacement costs for Metal Cards always come with a €99 fee. 

If you're on the bunq Pro or bunq Elite plan, Metal Card replacements don't count towards your one free card replacement per year. Additionally, the free replacement for expired cards does not apply to the Metal Card. If your Metal Card is nearing its expiration date, you can order a new one, and the standard replacement fee of €99 applies. 

What if I have an issue with my card? 

If you're running into a problem with your bunq card, our Support team can look into it and may issue a free replacement. Just reach out to us if your card:

• Hasn’t arrived within 2 weeks since your order. 

• May have gotten some extra wear and tear.

Our team will review your situation on a case-by-case basis. For all other situations, the standard replacement fees will apply.