Hey bunqers 🌈,

Our Credit Card is an official credit card, but of course, we made a card that works for you as it comes without the risk of falling into debt. This allows you to use it to the full extent and acceptability of a normal credit card, without the possibility of financial burden ✅

How does the bunq Credit Card work with deposits?

If you want to use your bunq Credit Card for a deposit, such as for a rental car or hotel room, the merchant will accept your card just like they would a traditional credit card.

Since no credit is used when making the payment, the entire amount of the deposit will be deducted directly from your linked bank account at the time of purchase. This means you should have an available balance in your account when paying the deposit. The money will be deducted from the IBAN linked to your card. You can always change the IBAN linked to your Credit card.

Why should I choose bunq's Credit Card?

Our Credit Card is a great choice for our bunq travelers 🌎 Without the risk of falling into debt, you can pay for car rentals, hotels and get a rotating CVC for your online payments. Further information can be found here.

What’s the difference between the bunq Credit Cards and Debit Card (Mastercard)?

The bunq Credit Card is the best card option for worldwide traveling, as it gives you the best acceptance online and worldwide. With it, you get the overall usability of a credit card without the risk that comes along with credit.

You can use it when traveling for hotel reservations, car rentals and all other payments that require a deposit. This means larger merchant acceptance and more convenience on your holiday. The main difference is that it'll be accepted by merchants who only accept credit cards.

Hotels and car rentals sometimes had issues accepting our Debit Card (Mastercard) because they require a deposit and they'll only accept a credit card. This was then resolved with the Credit Card.

Can I add credit to my Credit Card?

From bunq Update 32, we’re adding the possibility to add up to €5,000 in credit to your Credit card and repay it next month, interest-free. This is currently available for the first 1,000 eligible users in each of the following countries: the Netherlands, Germany, and Spain.

We’ll gradually roll this out to more people in the coming months, so stay tuned!