Is a Bunq mastercard (metal) really a creditcard?

ECHOTSK

So I was just wondering: is the metalcard or the other creditcard, a real creditcard? Or is it a debitcard? Because some car rental companies for example only accept ‘real’ creditcards no debit.

thijsoost

Arie The Metal Card is a creditcard. The only think that bunq changed, is that your balance is updated immediately after you bought something. The money isn't really deducted at that moment from your account, that happens at the end of the month.

But the short answer is yes, the Metal card is a Mastercard credit.

pqckmqn

Arie The bunq Mastercard is a Creditcard which works like a debit Card. It offers the best of both.

You can make hotel/car rental reservations
It has offline PIN, like very few Mastercards have
Worldwide acceptance (You can even choose the countries where it can be used)
Dual PIN, you can link even two subaccounts to one Mastercard
the amount you pay is directly debited from your account, so you have to have the money you pay on the linked account. There is no credit line, so you never go in debt. But in the background it is all processed monthly, so it’s a „real“ credit card.
High Limit, you can set easily in the app yourself, up to 50000€

WhiteWings

Yes.. Same thing happened to me also. They request a real credit card

thijsoost

Mircea Sorin The bunq Mastercards are real creditcards. Bunq doesn't have a Mastercard debit.

ECHOTSK

Thijs You sure? I remember my creditcard says debit. Or maybe it’s just an old one

thijsoost

Arie Bunq used to have a Mastercard debit. But you can't order that card anymore. Of course you could still have an old card.

Currently bunq has three cards:

Maestro debit
Mastercard credit
Metal card (= Mastercard credit made of metal)

ECHOTSK

Markus What is offline pin?

Jakob-Y

Arie What is offline pin?

Ability to pay at offline terminals, for example in airplanes, toll gates on highways with no internet connection, etc. There's a limit for these types of payments, though, as the payment terminal cannot check with the bank if the payment should be accepted or not directly.