bunq Together

bunq Credit Card FAQs

TK

Andre
Außerhalb Deutschlands machen manche Händler einen Unterschied zwischen "Debit" und "Credit".
In Deutschland macht es jedoch kaum einen Unterschied, das ist richtig.

Andreas-Azure-Cheetah

Andre Im Einzelhandel kommt eine Debit besser an, da niedrigere Gebühren für den Händler anfallen.

TK

Andreas
Ja, das ändert sich mittlerweile. Traditionell ist (in alten Händler-Akzeptanzverträgen in Deutschland) eine "Mastercard" immer "Mastercard" -- egal, ob Debit oder Credit. D. h. de facto war es dort immer gleich teuer für den Händler.

Neue Akzeptanzverträge können da einen Unterschied machen (machen es aber nicht alle).

Einfachstes Beispiel:
SumUp oder iZettle. Da ist "Mastercard" immer eine "Kredtitkarte" -- egal, ob mit einer Debit-Mastercard oder einer Credit-Mastercard gezahlt wird.

In Österreich geben die Banken jetzt Debit-Mastercard und Debit-Visa anstelle der "Bankomatkarte" (Maestro) aus. Dort werden sich die Händler wohl mittelfristig darauf einstellen müssen -- und es wird darauf hinauslaufen, dass sie einen Unterschied machen.

markdegroot

Why don’t you answer the question “What’s the difference between the bunq Travel Card and the debit Mastercard”?

Mark-Blue-Shark-3137357496

Seems like the same questions keep being asked. Read the thread guys! The advantage of the card is that it will be more widely accepted by merchants than the MasterCard debit card (ie. A lot of car rental companies and hotels ONLY accept credit cards for deposits). When they scan or tap this card it will be recognised as a Credit Card. But of course it is not a real credit card in the sense that there is no credit line. The amount is devoted from your account instead. This is a fantastic addition to the Bunq portfolio and as someone who rents cars a lot I think it is great! Well done Bunq!

123-Red-Penguin

Mark When they scan or tap this card it will be recognised as a Credit Card.

I think if the official bunq announcement contained this it would be clear for everyone.

markdegroot

Mark Great explanation, thanks! Never understood that the bunq MasterCard was not seen as a normal credit card. So the travel card is what the MasterCard should have been all along

Andreas-Azure-Cheetah

Praveen Auch bei der DB müsste die Travelcard funktionieren, da ja nur Credit angenommen wird.

TK

Andreas
Das ist korrekt. :-) Die Deutsche Bahn stellt ihre Bordbistros wohl irgendwann um -- es sollen dort dann auch Debitkarten funktionieren. Aber zur Zeit fährt man mit "Credit" bei der Deutschen Bahn besser. (Pun intended)

Emile

John Do That’s correct, so I’m sure you’ll agree with me that it’s odd I would be charged a one-time fee of €9 even though I have only two active cards and the app states my membership includes one additional card.

Sander

Emile do you perhaps have a deactivated card around? You can order 3 cards for free, when you deactivate one it does not mean that you can circumvent the production costs.

Emile

Sander Hi Sander, thanks for clarifying. That does indeed appear to be the cause. It does make sense, but I think the app’s UX is rather confusing at this point then 🙂

Ioana-Silver-Lion

Hi. When is this feature actually available? I tried it and does not work to order a travel card as an option so far. Looking fwd. thanks!

Icereak

Ioana You need to update your app via the App Store/Play Store first to see/order the card in the app.

Gabriel-Teal-Wolf

I'm premium and the option to request does not show as the video. How to proceed?

Sander

Gabriel update your app.

Gabriel-Teal-Wolf

Sander Is already updated. Latest version of Apple Store

Sander

Gabriel have you tried refreshing updates in the App Store, I had to pull down the updates screen on my phone before my phone noticed that there was an update for the bunq app. I'm on version 10.12.0 (build 686), are you on the same version? You can verify in the Profile section by dragging down the screen contents, when you pull down it will reveal the version.

Pinaki

The idea is good, but this is where I think the idea fails:
If BUNQ is proposing this to be used as a "travel card", it makes no sense to charge a fee every month. It should be charged only when being used. Secondly, this is completely redundant if you already have a mastercard credit card (in my case). The FAQ does not cover this simple question:
"What is the difference between this travel card, and a regular bunq master card (not Maestro) for which you may already have and being charged for?"
Anybody?

Mark-Cyan-Tiger

I don’t see the option when trying to order a new card. Has this been rolled out to all premium users?

Sander

Mark Strijker yes, see the other comment I just posted (and the many others in this thread above) 😁

Gabriel-Teal-Wolf

Sander yeap, its updating now. I was checking direct at the app page, and should show an update, but it looks that AppStore has a "cache". Thanks for the helping.