There we go:

Curve will automatically assume that charges from hotels or car rental agencies over £150 are deposits. We treat these transactions differently to all others, putting a hold on payment capture, so Curve effectively acts like a credit card would.

However, Curve cannot distinguish between deposit pre-authorisations and normal transactions, so for amounts below £150, Curve will always process the transaction, much like if you paid on a debit card.```

@Ali#85159 How do you mean that, and what's the difference here between a credit or debit card? When I rent a car with my debit card you also don't know if it's just a reservation or true payment. Maybe you could just write a "pending" in the description of the payment until it's getting settled.
The thing is, if you travel a lot you just need a real credit card but you can't get one from bunq. There are merchants who don't accept debit cards (mentioned a popular example above). So for now you need to go back to an old traditional bank to be fully covered.. :/

Hallo aller Seits, ich denke mal für die Zukunft wird es schwierig sein. Ich arbeite im Handel, besser gesagt bin ich da in der Verwaltung tätig. Es ist erstaunlich mit anzusehen, wieviel Banken mittlerweile auf Debit Karten umstellen. Das betrifft auch traditionelle Banken. Selbst ich habe von meiner Hausbank nur Debit Karten. Ich denke mal das ganze System beziehungsweise die Struktur wird sich in den nächsten Jahren sehr verändern müssen, um eine Akzeptanz im jeden Land und Geschäft gewährleisten zu können. Wir durchleben aktuell ein Wandel der Zeit, immer mehr weg vom traditionellen in Richtung Zukunft. Allerdings müssen dann auch parallel und damit meine ich nahezu zeitgleich die Weichen für gestellt werden, um dies auch in der Größenordnung zu schaffen.

@Ali#85175 klopt ze schrijven direct af op de onderliggende kaart.

Ik zie dat je al iets hebt gevonden op de website van Curve. Eerder op together is door een bunq en curve gebruiker aangegeven dat dit in de praktijk prima werkt.

@YTL#85185 Dan zou Curve ook in de Duitse ICE moeten functioneren.

Wer aus Deutschland möchte das testen?

@johannes#85177 As said somewhere above, you don't need to go to a bank to get a credit card right? If you specifically need a credit card, you can for example get a separate credit card from ICS.

So you can still completely ditch traditional banks, bank with bunq ánd have a credit card :)

@Giuliano#85205 Gas Stations sometimes generally don't accept foreign cards, there you need to go in and let the employee process your card manually.

@Petervdv#85195 Credit Cards can only be issued by banks, so technically you are at a bank at the end :P and I am not from Germany, which is a bank paradise, here in Austria you don't have that much good choices for credit card only banks.. :/

@Giuliano#85205 If you make such a claim that your card didn’t work at least five times - and you can clearly remember that - than you should be able to give more information on that matter. It shouldn’t be too hard to name that specific hotel you stayed in Las Vegas unless you switched your hotel every day and stayed at ten different hotels. So if you want to help bunq to figure out what went wrong you should give more informations about each case.

I travel a lot to Russia and the US too and I haven’t had a single transaction being denied with my bunq card because it was a debit card. I even book my flights, hotels and rental cars with either my bunq or N26 Mastercard and I cannot remember a single time that my card wasn’t accepted. IF my card was denied it was allows because I messed things up like setting the limit too low or connecting my card to the wrong account where the balance wasn’t high enough or using the dual pin feature which doesn’t work at offline terminals.

The point I’m trying to make is in 99 % the card works like any other credit card does too. And if it doesn’t there usually was a user error that resolved in a payment being denied. I don’t see any additional value in a credit card. I have been traveling for years with a credit card as backup just because it was free from my old bank and the last time I used it was back in 2013 then I canceled it. Ever since I only use debit mastercards.

@Giuliano#85295 Well you can sent them a message in private matters and let them know about when and where you had problems. „My card doesn’t work but I won’t tell you more about it. I just a want a credit card.“ won’t solve the problem. Like I Said before in many cases it is just a user error. Especially in the US where you have to swipe your card it easily gets rejected if you swipe too fast or too slow. There are so many things you can do wrong or set up wrong in your limits that you may think the card doesn’t work but actually it’s a user error. Just keep that in mind. So if you give additional informations we might be able to figure this out.

Any one still experiencing issues? Well bunq has just launched Travel Cards, a credit MasterCard that works with your available balance!