bunq Together

bunq Credit Card FAQs

Sander

Andre No. That's only when it's the fourth card or above, three active cards are included in your membership. 😁

Hidde-Silver-Wolf

F In my experience, if its an old terminal the debit works exactly as a creditcard (I even had to put down my signature in some places), for others I would be asked on the terminal whether my card was Debit or Credit. Both choices would work (I tried), its just another route to the same process I guess..

I can only see a human refusing the Debit card as it reads Debit on the card, but it could just be me. Bunq imo is really vague on the differences between these two cards, as for the Debit card they also always said 'it also works for hotels and car rentals but they will hold a deposit on your account'. But usually when the differences are really vague, there are no real differences..? :)

NiB

Hidde I can only see a human refusing the Debit card as it reads Debit on the card, but it could just be me

Debit and Credit cards have to be electronically identifiable by law (in Europe).

Nancy12

Ok zie in mijn kaartenoptie alleen maar de maestro en masterkaart staan. Kan ik hem nog niet bestellen?

Kevin-Olive-Starfish

Waarom is op de Travel Card de signature vakje weg?

Kevin-Olive-Starfish

Kevin Nvm Mastercard is ermee gestopt😄

Christian-Aquamarine-Panda

Bonjour, certains site internet réclament un 3D secure pour le payment en ligne. Cette carte permet-elle cette fonctionnalité ? Merci d’avance.

atb

Aber warum dann noch Debit? Dann könnte ich doch immer die Credit nehmen oder nicht?

Andreas-Azure-Cheetah

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

Silver-Dragon

René Depends. If you had trouble with getting the debit card accepted in some cases, yes it could be useful.

But in essence it is still a debit card and a despot is still deducted immediately. So it freezes up your cash.

The real difference is not really clear to me, for example why this card would be better accepted by merchants and in which use cases. As long as that is not cleat & guaranteed I see no point in switching.

Silver-Dragon

Ludo Typos 😬

Mr-Nola

Emile I have the same issue...i’m on a joint membership with 1 Card still available 😒

Cornelis-Green-Badger

If I request travelcard howling it will take before we can receive the card
I'm traveling to USA on wednesday ?

TK

Cor
The card is not yet available. So, you won't be able to use it for that trip.
But the Debit Mastercard should not give you problems in most cases in the U.S.

JohnDo

Emile The Travel Card will be free of charge if you have less then 3 active cards (Premium/Business) or less then 4 if you have Joint. bunq confirmed that and it is also mentioned this way in the new price sheet.

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.

123-Red-Penguin

Elise What’s the difference between the bunq Travel Card and the debit Mastercard?

The bunq Travel Card will be the best card option for worldwide traveling. With it, you get the overall usability of a credit card without the risk that comes along with credit.

You can use it when traveling for hotel reservations, car rentals and all other payments that require a deposit. This means larger merchant acceptance and more convenience on your holiday.

Kom op bunq, doe wat aan de communicatie, dit legt de verschillen niet uit!

TK

Andre
Nein: Sofern Du schon Deine "Kartenplätze" belegt hat, kostet es 3 € pro Monat.
Ansonsten ist es in der Grundgebühr enthalten.

Sofern Du noch nie eine Karte (auf diesem Kartenplatz) bestellt hast, ist sie bei der Bestellung kostenlos; ansonsten kostet sie 9 € einmalig für die Herstellung und den Versand.

Falls Du einen alten Platz freigeben möchtest:
Karte einfrieren und danach löschen. (Danach noch etwas warten, bis Dir dann die korrekten Kosten angezeigt werden.)

atb

TK Ja aber die Debit brauche ich doch nicht mehr wenn man die Credit hat oder?

TK

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

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