pl0x No, it's a Mastercard credit. Behind the scenes, the money is deducted from your account at the end of the month. But the bunq app makes it look like it's deducted immediately, so you can't spend money you don't have. But besides that, the bunq Mastercard credit is a creditcard like all creditcards.
I know you don't believe me and are going to say it's a misnamed Mastercard debit. But it's not, it's a Mastercard credit. If you don't believe me, that's your problem and not mine 😉