Looking forward to trying out your new bunq Travel Card but have some questions about how it works? Check out a list of some frequently asked questions below:
Card Knowledge
Is the bunq Travel Card a credit card?
Yes, it is an official credit card, but of course, we made a card that works for you as it comes without the risk of falling into debt. This allows you to use it to the full extent and acceptability of a normal credit card, without the possibility of financial burden.
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. The main difference is that it will be accepted by merchants who only accept credit cards.
Hotels and car rentals have had issues accepting our Debit Mastercard because they require a deposit and they will only accept a credit card. This was then resolved with the Travel Card. More information on page 25 of this document
How does the bunq Travel Card work with deposits?
If you want to use your bunq Travel Card for a deposit, such as for a rental car or hotel room, the merchant will accept your card just like they would a traditional credit card. Since no credit is used when making the payment, the entire retainer of the deposit will be deducted directly from your account at the time of purchase.
This means you need to have the available funds in your account when paying the deposit. Once the deposit is released, you will then receive the funds back in your account and you won't risk having a negative balance or falling into debt.
Can I use Apple Pay/Google Pay with the bunq Travel Card?
Apple Pay and Google Pay are available with your Travel Card, see our announcement topic here.
How can I top up the bunq Travel Card?
We offer multiple ways (free of charge) of topping up your card, our most recent is the credit or debit card top up (with a small service fee) but you can discover the rest of them if you follow the link here.
Can I use the Travel Card for offline payments?
Yes, you can use the Travel Card for offline payments up to €250. You can find the FAQ for offline payments here
Does the BIN of the Travel Card matches with the country I live in?
The Travel Card will be issued with a specific country BIN for all users who get their card delivered in Germany, France, Italy, Ireland, Belgium, Greece, Austria, Portugal and the Netherlands. For bunqers who live in another country, they will get a card with a Dutch BIN.
Does the bunq Travel Card look slightly different?
Yes, it does! We gave the best card to travel the world a shiny, new look. With a reflective finish and slightly darker undertones, the chrome rainbow will be sure to get noticed on all your travels. You can check it out below:
Getting a Travel Card with a Travel Card subscription
How does paying for the bunq Travel Card work?
For a one-time fee of 9,99 euros, you can purchase the bunq Travel Card outside of a bunq membership.
What app features are included when purchasing only a bunq Travel Card?
When you pay for a bunq Travel Card you will receive a Mastercard credit card, Zero FX, instant push notifications, ability to request/split a payment, ability to accept requests, card freezing and limit setting and the option to accept a director invite.
Are there restrictions to the bunq app when purchasing solely a bunq Travel Card?
Yes, there are restrictions since bunq Travel Card is not a full bank account. As a Travel Card user, you won't have access to Premium features such as free ATM withdraws, connecting monetary accounts, having multiple cards (including Online Cards), bunq.me request links, making (iDEAL) payments, API keys, Freedom of Choice, Massinterest and the ability to accept direct debits.
☝️ Keep in mind that you need to order and activate your Travel Card in order to fully use your bunq account, when you have a Travel Card subscription. You can see how to order your Travel Card here, and how to activate your card here.
Are there any extra costs?
We give you a low fee for cash withdrawals globally, for only €0.99 per withdrawal.
If you top-up the card with a credit card, you will be charged 0.5% for EEA cards. The app will show you the costs before making a top-up.
The costs for cash withdrawals and top-ups are invoiced on your billing day. You can see more here.
When you order a replacement for a lost or stolen card, there is a €9.99 fee to help us cover the production costs for your new card.
You can check out our full pricing overview here.
Getting a Travel Card with a Premium or Business subscription
What if I’m a Premium user and I already have 3 cards? Will I need to pay for the bunq Travel Card?
It will apply to the 3 cards (previously ordered) count included in your Premium and Business memberships.
If you already have 3 cards as a Premium or Business member, you will then need to pay a one-time fee of €9 for production costs (keep in mind that this 3 card count includes cards that have been previously canceled). Then when you activate the card, you will be charged an extra €3 per month on top of the monthly fee. If you block or freeze one of the cards, so that you have only 3 active cards in total, then you will not be charged the €3 monthly cost.
If you have less than 3 cards, then you can order the bunq Travel Card for no extra costs.
How do I order the bunq Travel Card?
The bunq Travel Card will be available to order in the Cards tab of the app, the same way as all previous cards.
What are the steps for replacing your current Mastercard for your bunq Travel Card?
As you can't replace your Mastercard directly through your app, the best is to order a new card. ☝️ Remember that if you already have 3 active cards. Freeze first as much as necessary if you don't want to be charged for going over the limit of active cards on your membership. The replacing option on the bunq app won't offer you the swap to Mastercard.
What if I downgrade from my Premium membership to bunq Travel and I go back to Premium? Will I be able to use my disabled cards again?
Yes, after you go back to your Premium membership from bunq Travel Card you can use your frozen cards back again.
Want to try it?
For a one-time fee of only €9.99, try a bunq Travel Card today! 🌈
Learn more about the bunq Travel Card here.
