A credit card lets you pay now and settle the balance later, and it's widely accepted by merchants, hotels, and rental companies that require a card guarantee. At bunq, the Credit Card works differently from a traditional credit card: it's funded directly from your bunq balance, so you're spending money you already have. Merchants still see a Mastercard Credit Card, giving you full acceptance without the risk of borrowing.

How the bunq Credit Card works

The bunq Credit Card is a Mastercard, accepted at millions of locations in over 200 countries. When you pay, the amount is deducted from your bunq balance, the same as a debit card. There is no credit line, no minimum monthly payment, and no interest charges. You can't spend more than you have, so there's no risk of accumulating debt.

This setup makes the bunq Credit Card ideal for situations where merchants specifically require a credit card: booking hotels that place a hold on funds, renting a car, or making reservations that won't charge you until a later date. The merchant gets the credit card guarantee they need; you keep full control of your spending.

Where a Credit Card has the edge over a debit card

There are situations where a credit card is preferred or required over a debit card:

• Hotel check-ins, where a temporary hold is placed against your card for incidentals

• Car rental companies, which often require a credit card for the security deposit

• Online purchases with merchants who only accept Mastercard or Visa credit

• Subscriptions and services that verify card type before activating

With bunq, you get Mastercard credit card acceptance in all of these situations, while still spending from your own money, no borrowing involved.

Managing your bunq Credit Card

Your bunq Credit Card is linked to one of your Money Pockets, so you decide exactly how much is available on the card at any time. You can freeze it instantly in the app, set Spending Limits, and receive Instant Notifications for every transaction. For frequent travelers, the Credit Card pairs well with bunq's foreign currency accounts and zero-fx, so you always pay in the local currency without unexpected conversion charges.

Order and manage your card through bunq Cards in the app, or explore all card options on the Credit Card feature page.

Common questions

Does the bunq Credit Card have a credit limit?

No. The bunq Credit Card is funded from your bunq balance, not from a credit line. You can only spend what you have in your account. This means no credit check is required, and there's no risk of paying interest on borrowed money.

Is the bunq Credit Card accepted internationally?

Yes. As a Mastercard, it's accepted at millions of locations worldwide. For international spending, bunq's zero-fx feature lets you pay in foreign currencies without extra conversion fees on supported currencies, making it a practical card for travel.

What's the difference between the bunq Credit Card and a bunq debit card?

Both are funded from your bunq balance, so neither involves borrowing. The difference is how merchants classify the transaction: a debit card is processed as a debit payment, while the bunq Credit Card is processed as a credit transaction. This distinction matters at hotels, car rental desks, and other places that specifically require a credit card to place a hold or guarantee.