@Roderick-Golden-Zebra#184458 Mastercard Credit = Travel Card.

@Roderick-Golden-Zebra#184458 Er zijn in de wereld verschillende soorten kaarten, die elke een eigen netwerk hebben. Zo heb je Meastro, Mastercard, Visa, V-pay, America Express, Diners Club en nog wat andere netwerken.

Een pinautomaat (geldautomaat of een pinkasjte in een winkel) accepteert alleen kaarten van de netwerken waarop het is ingesteld. In Nederland is dat vaak alleen Meastro, dat het oude Nederlandse PINpas van de banken heeft overgenomen. In het buitenland kom je weer meer Mastercard tegen.

Bij bunq had je tot twee jaar geleden de keuze tussen Meastro (gericht op de Nederlandse markt) en Mastercard debit, een pinpas zoals die bij Meastro gebruikelijk zijn, maar dan voor het Mastercard-netwerk, gericht op het buitenland.

De Mastercard debit werd echter niet overal geaccepteerd, omdat autoverhuurbedrijven en hotels vaak een borgsom willen reserveren en dat gaat vaak alleen via een creditcard. De Mastercard debit is geen creditcard.

Bunq kwam toen met de TravelCard, die werkt als een creditcard, alleen dan zonder krediet. Wereldwijde acceptatie op het Mastercard-netwerk, ook bij hotels en autoverhuur. De Metal card is eigenlijk hetzelfde als de TravelCard, maar dan in een ander jasje.

Maar Mastercard wordt in Nederland nog niet overal geaccepteerd en je hebt er dus vrij weinig aan hier. Des te meer in het buitenland, waar je Meastro dan weer slecht geaccepteerd wordt.

@Roderick-Golden-Zebra#184508 If you have the word "Credit" on your card, that means it's a Mastercard Credit (also called "Travel Card" by bunq). If you have the "Debit" on your card, then it is a Mastercard Debit or a Maestro card.

Actually even the Mastercard Debits nowadays can be used for deposits just fine. There's no technical limitation in place by Mastercard. However, some companies have a policy of only accepting credit cards for such things. In these cases it's good to have a card that says "Credit" on it. That's where the real advantage of the Travel Card lies: it's easier to convince a hotel receptionist or a rental company clerk into accepting your card.

Fiquei entender o mesmo, nada 😟😟

es ist zu empfehlen , aber immer noch eine „hochgeprägte“ Sicherungskarte dabei zuhaben. Und ja, ich weiß, die neuen MC-Karten sollen und müssen auch akzeptiert werden.Am ende der Welt, ticken die Uhren noch anders.

@Pac-Man#184908 Und was nutzt Du da?

https://mastercard.gebuhrenfrei.com/index.php?channel=sem&partnerID=google&campaignID=search&ban=228071671912&et_cid=8&et_lid=57&et_sub=228071671912&gclid=EAIaIQobChMI-sLu8-u46gIVCu3tCh3pCA2JEAAYASAAEgKjpvD_BwE

@Pac-Man#185134 Ja, dafür ist die gut.

Maybe I am wrong here, but in the app I have an open support question and it seems not allowed/possible to ask a second question at the same time😒.

I still don't see the difference between the Bunq Credit Card and the Bunq Travel-Card. Since they try to destroy the app where you don't find informations as you need it, here is also no product description or comparisation to find.
Anybody here can help me in my question?

Thanks a lot

@Christian-H#193187 Actually the TravelCard IS the bunq Credit Card.

Bunq used to offer only both Maestro and Mastercard debit cards. As it became clear that the debit Mastercards weren’t accepted fully on the Mastercard network, bunq decided to partner up with Mastercard and deployed a fully functional credit card. As it’s main purpose was to make travelling abroad easier, it was branded TravelCard.

Later on, they sort of silently dropped the TravelCard brand as they came up with the Metal Card, which is in functionality the same. To make the branding more consistent, they now offer the Mastercard credit card in its regular format and in the metal format. They also rebranded the online cards as Mastercard credit a few weeks ago.

One can question the need for a Mastercard debit card as the Mastercard credit cards are better accepted than the debit cards and from the perspective of the user, there is no difference between both formats (apart from better acceptance). Bunq should drop the latter to simplify its line up.

Do note that all the Mastercards at bunq work with an offline limit of €250 and will charge directly from the linked bank account when the transaction arrives at bunq (which is real time with online terminals).

Thus the ‘credit’ in credit cards is only for acceptance purposes. Bunq doesn’t offer credit behind a card and will not guarantee payment to the merchant, apart from the minimum legal obligations of the Mastercard brand.