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  • Additional questions about bunq Travel Card

@JeroenE#97774 Maybe bunq support has no idea then and just said yes, yes and yes, when I asked if I would be able to use the Travel Card in Korea in shops where pin codes (and my debit card) is not supported.

    @Dennis#97776 Dat ligt misschien ook aan de exacte vraagstelling. Als de winkel geen debit card ondersteunt maar wel credit card dan heb je zeker wel wat aan de nieuwe bunq Travel Card. Ik ken die voorbeelden alleen van hotels of autoverhuur. Maar theoretisch kan iedere winkel dat instellen.

    Weet jij of de betaalmethode in die winkels een specifieke naam heeft? Bijvoorbeeld België heeft Bancontact en Duitsland heeft Giropay welke beide niet door bunq betaalkaarten ondersteunt worden.

      @JeroenE#97777 No, I don't know how it works in stores here exactly. But after they tried to charge my card a few times, it was blocked. I assume because the terminal either does not send a PIN code, or sends a default PIN code, like 0000 or 1234, which is what I think is what technically is done with cards that do not have a PIN code.

        @Dennis#97780 In dat geval zou je in de app ook geweigerde betalingen moeten zien met de foutmelding dat de verkeerde pincode is gebruikt. Krijg je die dan wel?

        Als je weet dat ze een specifieke pincode meesturen zou je die van te voren ook kunnen instellen (en na de betaling snel weer veranderen) in de app. Maar als dat zou werken dan zou dat wel een hele aparte manier van werken zijn.

          @JeroenE#97781 I did see a declined payment, because if wrong pin code. After three attempts it was blocked. I was able to unblock the card in the app, but never able to make a payment in a shop - only ATMs.

          Anyway, Support toold me that the case would be different with the a Travel Card, because your can make payments without supplying the pin code. And I'm not talking about tap&pay.

            @JeroenE#97781 I guess we'll see. On my next trip, I'll be having the Travel Card. I've haven't been on a trip so far, with my bunq cards, without issues and troubles. I'm always relying on my traditional Mastercard CREDIT card from a backup back.

              @Dennis#97782 Le seul payement sans code PIn se fait par la bande magnétique.

                @Dennis#97783 Werkt je andere credit MasterCard wel in die winkels? Want dan zou ik verwachten dat de bunq Travel Card ook gewoon gaat werken in die winkels.

                  Can someone explain why the Mastercard Debit card still exists (you can still order it from the app)? If I am understanding it correctly the Tranvel Card can do exactly the same as the Mastercard Debit card, with some extra benefits (you can make an reservation on it for example).

                  Or are there any downsides to the travel card?

                    @Sven-Turquoise-Kiwi#97895 I asked the same question again and again but did’t get a satisfying answer.

                    I guess it comes down to some stores not accepting credit cards.

                      Ah ok, strange that there is no satisfying answer from bunq.

                      For the Dutch case there is no benefit then I think above Maestro (there is close to 100% maestro support in the Netherlands).

                        @Sven-Turquoise-Kiwi#97895 @Jochen#97901 there's a difference in the settlement. Your creditcard "debt" will be settled at the end of every month. The debit card will settle immediately. So on your account statements you will see a different value ("available balance"). In the end, as a regular consumer you won't notice this. But the cards are really different behind the scenes. 🙂

                          @Sander#97907 Yeah but bunq is all about UX right?

                          For the users it doesn't really matter is what I understand. Therefor it's in my opinion an unessescary extra choice to make as an user. Keep it simple bunq!

                            @Sven-Turquoise-Kiwi#97911 Ik neem aan dat de belangrijkste reden is dat je een debit MasterCard "gelijk" opgestuurd krijgt en de Travel Card nog niet verzonden worden. Als ze bij de aankondiging van de Travl Card het aanvragen van een debit MasterCard gelijk hadden stopgezet zouden ze dus (nieuwe) klanten krijgen die geen MasterCard krijgen opgestuurd maar alleen Maestro betaalkaarten.

                              @Sven-Turquoise-Kiwi#97895 The plan is that in the near future Mastercard will stop with the brand Maestro. And thus only have one brand “Mastercard”, with two flavors: debit or credit.

                              That’s most likely the reason.

                                Wird die travelcard mit Pin arbeiten? Und hat sich was bei Pinzahlungen in letzter Zeit was verändert? Ich habe gestern eine Hotelrechnung > 200€ bezahlt und brauchte keinen Pin und keine Unterschrift auf dem Beleg leisten.

                                  @Tuur#97944 Wenn das stimmt, sind die niederländischen Maestro
                                  -Kunden wahrscheinlich sehr sauer, denn dort kennt man nichts anderes.

                                    @Bernd-Cyan-Penguin#97955 Why? It’s the same when we changes from the local payment system “PIN” to Maestro. Now it will be a change from Maestro to Mastercard Debit.

                                    Most likely, the banks will do the same as at that time, when your card expires, you’ll get a new card with both schemes, and when everyone has switched, only new cards with Maestro.

                                    What really is a problem is that some countries still have their own local payment system and stick to that.

                                      @Tuur#97962 What really is a problem is that some countries still have their own local payment system and stick to that.

                                      Though that's not too different from the Netherlands, with relatively many stores that do not accept Mastercard or Visa. Many countries don't even routinely issue Maestro/V Pay cards (anymore).

                                      Also, local payment systems offer competition and help keeping fees and prices low.