Best for:DigitalTravelNo Forex Fees
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
Monthly fee€0
Foreign transaction feeNone
Credit limitNo credit line (debit)
Interest-free periodNot applicable
Banking features
Card networkmastercard
Daily ATM withdrawal limit€1,000
ATM feesFree up to €200, then 2%
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account5
Free replacement cardYes
Insurance coverage
Purchase protectionNot included
Travel insuranceNot included
Flight delay insuranceNot included
Baggage insuranceNot included
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
Legal assistanceNot included
Fraud protectionIncluded
24h helplineNot available
Requirements
BKR credit checkNot required
Delivery time3 business days
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
1
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income ready.
2
Start the application
Visit bunq's website and fill in the online application form. This typically takes 5–10 minutes.
3
Identity verification
Your identity will be verified. No BKR credit check is needed for this card.
4
Receive your card
Your card will arrive within 3 business days by post. Activate it online or via the app.
Quick facts
Provider
bunq
Tap to pay
Contactless ready