Head to head · 2026
bunq Credit Card vs Revolut Card
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
It's very close between bunq Credit Card and Revolut Card.
bunq
bunq 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).
Affiliate link — we may earn a commission. Details
Revolut
Revolut Card
Popular fintech card with interbank exchange rates. Free foreign currency exchange up to €1000/month. Great multi-currency app for travelers and expats.
Affiliate link — we may earn a commission. Details
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
Revolut Card
What we like
- No annual fee (Standard plan)
- Interbank exchange rates
- Multi-currency accounts
- Excellent travel features
- €20 welcome bonus
What to consider
- Not a true credit card
- Exchange limits on free tier
- 2% markup on weekends
- Customer support can be slow
Frequently asked
Is bunq Credit Card or Revolut Card better for expats in the Netherlands?
bunq Credit Card and Revolut Card are evenly matched — the better choice depends on whether you weight fees, insurance, or acceptance more heavily.
Which card has lower fees abroad, bunq Credit Card or Revolut Card?
Both charge the same foreign transaction fee: none.
Do bunq Credit Card and Revolut Card require a BKR credit check?
bunq Credit Card does not require a BKR credit check, and Revolut Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.