@New-Lilac-Gazelle-1786383366#251699 The Easy Green and Easy Money subscriptions include 3 physical cards and 25 Digicards.

@New-Lilac-Gazelle-1786383366#251702 Sorry, the image feature isn't working well. I can't see the entire image. But you can create new cards via Home > More > Add card.

@New-Lilac-Gazelle-1786383366#251707 Auch gelöschte Karten zählen zum Limit. Die Online-Karten bei bunq sind nicht dafür gedacht, nur einmal genutzt und direkt wieder gelöscht zu werden (zumindest in der Häufigkeit, in der du das anscheinend machst).

@New-Lilac-Gazelle-1786383366#251714 Kannst ja mal beim Support nachfragen, wann du wieder neue Karten erstellen kannst. Deine physischen Karten solltest du ja außerdem noch besitzen, also Online-Käufe generell bleiben dir weiterhin möglich.

100 Karten in knapp 3 Wochen zu nutzen ist jedenfalls mal ne Leistung.

Für dieses Nutzungsszenario wäre ein Konto bei dem Fintech mit dem großen R die passendere Wahl. Die haben genau das Feature was du hier beschreibst, Karten bei denen alle Kartendetails nach einer Transaktion ausgetauscht werden.

Bunq hat so ein Feature (leider) nicht.
Der rotierende CVC hilft hier auch nicht wirklich, denn damit werden keine Folgebuchungen (z.B. Zahlungen, die der Händler als Abo deklariert) von einer Plattform verhindert, wenn man auf der Plattform bereits bezahlt hat.

@Jakob-Y#251713 Do you have more info regarding your statement?

When I happen to make transaction with an extra layer of security I use the card and subsequently terminate it.
When I need it again I generate a new Digicard.

I don’t see why terminated digicards should count against the 25 card limit as they are not in use on my account and have been disregarded.

I couldn’t find any document about this, but maybe you can help me :)

@Mixus#251750 I thought that maybe what Revolut did was just the automation of terminating and generating new digicards, as me and other users do when seeking that extra layer of protection.

What I’m reading in this thread really comes as a surprise to me.

@thends#251853 For general information about how DigiCard limits work, see this answer from earlier this year: https://together.bunq.com/d/47568/15 In the meantime, the limits changed from 5/25 to 25/100, so both the simultaneous and yearly limits are now higher. But other than that, they should still work like they always have.

@Jakob-Y#251885 That sounds terrible. There’s a lot of ambiguity revolving Digicards.

Why can’t people like me and others in this thread have different card details for certain purchases when an extra layer of protection is needed?

They claim to get new details every time we want with digicards but apparently it isn’t like that.
Corporate greed.

@thends#251890 They claim to get new details every time we want with digicards but apparently it isn’t like that.

If that is claimed anywhere, it can only refer to the rotating CVC feature. Technically, the CVC is part of the card details, and it changing might have warranted someone from marketing to brand that as "changing card details" -- personally I wouldn't call it like that. DigiCards are simply virtual credit cards from bunq, with all the bells and whistles that bunq cards come with, but they don't change their card number after a payment.

Why can’t people like me and others in this thread have different card details for certain purchases when an extra layer of protection is needed? [...] Corporate greed.

Now that's an interesting discussion! Let's assume the limit doesn't exist, DigiCards would work just as you want them to be and every bunq user does 3 card payments per week. The number of users isn't public but let's go with 300.000 active users here (doesn't really matter because the system should still work even if bunq grows a bit). In a year, that is 46.8 million card payments and as such, we need at least the same number of different PANs. If mobile wallets are used with tokenization, then even more.

The account number inside of a PAN is just 7 digits. That means that, as long as a bank doesn't purchase new BIN ranges from Mastercard, they run out of numbers after 10 million cards. Hmm... and I have never seen an actual contract with Mastercard, but these can surely get pricey. With my rule-of-thumb estimate from above, we're looking at 6 or even 7 figures paid out to Mastercard every year. Does it work for Revolut? I guess so. Is it part of a sustainable business model? I would rather doubt that.

Sure, maybe we will get better standards in the future. Hopefully we won't even have to remember "card details" anymore or fill them in somewhere manually. But at least to me it doesn't seem like the card networks and the industry is there yet.

Kan iemand mij uitleggen hoe DigiCards eigenlijk werken?

@Jakob-Y#251891 I see what you’re coming from and I want to thank you for your interesting answer.

It is ok that different banks have different features and a different business model, what isn’t ok is the lack of transparency.
My (ignorant) average user mind might fall to think that 25 digicard are meant as active cards at a time. And not as an annually stock of card which we get starting from the activation of our first digicard.

In this perspective, if terminated cards do count against the annually 25 digicards limit, how is the user able to know how many cards he has already used?
There is no way to see how many digicards are left before occurring in the payment of 19,99 for extra 25 digicards.

It would be nice from bunq to have more clarity about digicards if this is their business model.

@thends#251893 Sorry if that wasn't clear. 25 cards is the limit for simultaneous cards. 100 cards is the yearly limit. And personally I really feel you about displaying the limits. That has always been a request of mine that I voiced a few times here on the forums: to have an overview over all the limits in the app. Payments, cards, withdrawals, etc. that's imo totally something that could be interesting to every user. That said, I don't see myself ever using more than 100 different cards per year, and for my own usage the DigiCard limit seems plenty. Having this explained and displayed more clearly? Hell yeah I'm all about that.