bunq vs ether.fi Cash

Product status: Active

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Product status: Active

Source states (paraphrased): Help center describes current personal and corporate Cash cards.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Crypto-backed credit

Marketed as a credit card; Direct Pay mode spends your own balance

Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Network: Mastercard

Source states (paraphrased): ZeroFX uses real Mastercard rates.

Source: ZeroFX with bunq

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Custody model: Self-custody

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.

Source: Personal Account

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Tiers / plans: Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/mo

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Tiers / plans: Core · Luxe · Pinnacle · VIP

Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Monthly fee: Free

Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card fee: €99

Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card fee: $10

After the tier's free-card allowance; $0 for VIP

Source states (paraphrased): Virtual card fees: $10 Core, Luxe and Pinnacle; $0 VIP.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

FX fee: 1.5%

Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)

Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 65%

ATM fee: 2%

Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.

Source: The DeFi-Native Crypto Credit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

Base cashback: 3%

Core membership, on the first $2,000 of card spend per month

Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Max cashback: 4%

VIP membership, on the first $50,000 of card spend per month

Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback paid in: ETHFI

Source states (paraphrased): Cashback is converted to ETHFI at the current price.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback type: Platform token

Source: How does cashback work?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback-eligible spend cap: $2,000/month

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback conditions: Minimum $5 of cashback required to claim · Spend tiers reset at the start of every month

Source states (paraphrased): Cashback article: $5 minimum to claim; spend tiers reset monthly.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: Yes

Borrow Mode

Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit type: Crypto-backed credit

Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Interest notes: Variable rate set by the underlying lending market for each asset; ether.fi does not set the rate.

Source states (paraphrased): Terms of use: ether.fi does not set your interest rate; help center: variable APY from the lending market.

Source: Terms of Use

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Liquidation risk: Yes

Source states (paraphrased): Help center lists per-asset liquidation thresholds.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spend own balance directly: Yes

Source states (paraphrased): Direct Pay Mode spends your balance.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spend by borrowing against collateral: Yes

Source states (paraphrased): Borrow Mode borrows against your collateral.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Available in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Netherlands

Most EEA countries supported; list continues on the source page

Source: Who can open a bunq Personal account?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 55%

Available in: United Kingdom, Canada, Australia, Singapore, United Arab Emirates, United States

Plus most EU countries; US only in selected states; physical cards not shipped to every eligible region

Source states (paraphrased): Country list covers the UK, Canada, Australia, Singapore, UAE, most of the EU and 30+ US states.

Source: In which countries is the Cash card available?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

Apple Pay: Yes

Only where Apple Pay is supported

Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Google Pay: Yes

Source states (paraphrased): Help article explains adding the card to Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card: Yes

Not shipped to every eligible region

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card: Yes

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%