Head to head · 2026
bunq Credit Card vs N26 Mastercard
How these two credit cards stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
bunq Credit Card is the stronger pick for most expats.
- Foreign transaction fee: None vs 1.70%
bunq
Our pickbunq Credit Card
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
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N26
N26 Mastercard
Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
bunq Credit Card
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
N26 Mastercard
What we like
- No annual fee
- No fees in eurozone
- Excellent mobile app
- Instant notifications
- Free ATM withdrawals (limited)
What to consider
- Debit card, not true credit
- ATM withdrawal limits on free tier
- 1.7% fee outside eurozone
- No rewards program
Frequently asked
Is bunq Credit Card or N26 Mastercard better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Foreign transaction fee: None vs 1.70%
Which card has lower fees abroad, bunq Credit Card or N26 Mastercard?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do bunq Credit Card and N26 Mastercard require a BKR credit check?
bunq Credit Card does not require a BKR credit check, and N26 Mastercard does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.