The used BIN prefix “511580” for the Mastercard types of bunq cards do indeed still get recognised as a credit card prefix taken over from chase bank in the USA, but it does indeed work like a Mastercard debit card, as you can’t borrow against the card limit like the ICS Mastercard credit cards in the Netherlands.
And also take into account that some stores in the Netherlands simply won’t accept any Mastercard type of cards at all until the Mastercard company will kill off their Maestro brand of cards as announced recently and therefore force all merchants to support the Mastercard brand of cards in a distant future.
The Netherlands also does not use credit scores like they have in the US/UK for persons in the Netherlands, despite that credit rating agencies such as Experian are also active in the Netherlands and credit scores could be calculated in a similar way in the Netherlands as well.
Interest from normal bank accounts is too negligible and could even turn into more negative interest next year, so why even bother with the low interest rates, when you can have fully audited companies such as nexo providing up to as high as 12% annual interest rates on euro, dollar and pounds deposits.
