bunq
bunq Credit Card
Affiliate link — we may earn a commission. Details
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
Rates last verified: 27 February 2026
The verdict
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
Financial details
Banking features
Insurance coverage
Requirements
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income ready.
Start the application
Visit bunq's website and fill in the online application form. This typically takes 5–10 minutes.
Identity verification
Your identity will be verified. No BKR credit check is needed for this card.
Receive your card
Your card will arrive within 3 business days by post. Activate it online or via the app.
Affiliate link — we may earn a commission. Details
Affiliate link — we may earn a commission. Details
You'll need your BSN and proof of income
Quick facts
Keep exploring