bunq vs Gemini Credit Card

Product status: Active

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Product status: Active

Source: The Gemini Credit Card

Official product page (tier 1)

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

Card type: Debit card, Credit card

Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit

Source states (paraphrased): Included from bunq Core, as a Debit Card or a Credit Card.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Card type: Credit card

Source states (paraphrased): The Gemini Mastercard® Credit Card Cardholder Agreement

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Network: Mastercard

Mastercard World Elite

Source states (paraphrased): Mastercard® World Elite

Source: The Gemini Credit Card

Official product page (tier 1)

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

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Custody model: Custodial

Crypto rewards are deposited into the Gemini account

Source states (paraphrased): Rewards are instantly deposited

Source: The Gemini Credit Card

Official product page (tier 1)

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

Card issuer / program manager: bunq B.V.

Source states (paraphrased): bunq B.V. trading as bunq is licensed by the Dutch Central Bank (DNB) in the Netherlands

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Card issuer / program manager: WebBank

Source states (paraphrased): Gemini Mastercard Credit Card is issued by WebBank

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Annual fee: Free

Source states (paraphrased): No annual fee

Source: The Gemini Credit Card

Official product page (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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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: Free

Source states (paraphrased): Get a free virtual card the moment you sign up.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

FX fee: 0%

ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited

Source states (paraphrased): ZeroFX card payments abroad Up to €1,000 per year Unlimited Unlimited Unlimited

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

FX fee: 0%

Source states (paraphrased): Foreign Transaction None.

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

ATM fee: 3% (min. $10)

Cash advance: $10 or 3%, whichever is greater; cash advance APR from the transaction date

Source states (paraphrased): Either $10 or 3% of the amount of each cash advance, whichever is greater.

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Other fees & markups: Metal card €99 per card (Pro/Elite)

Source states (paraphrased): Metal Card ✕ ✕ €99 per card €99 per card

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Other fees & markups: Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variable

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Base cashback: 0%

Programme ended 7 Dec 2025; partner cashback offers still available

Source states (paraphrased): We've ended our Cashback program

Source: We've said goodbye to Cashback | bunq Help

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

Max cashback: 0%

Cashback programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available

Source states (paraphrased): you’ll stop receiving Cashback on your Credit Card payments starting from December 8, 2025

Source: We've said goodbye to Cashback | bunq Help

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cashback paid in: BTC or 50+ cryptos available on Gemini

Source states (paraphrased): Earn bitcoin, or 50+ cryptos available on Gemini

Source: The Gemini Credit Card

Official product page (tier 1)

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

Cashback type: None

Cashback programme ended on 7 December 2025

Source states (paraphrased): we've said goodbye to Cashback on December 7, 2025.

Source: We've said goodbye to Cashback | bunq Help

Official help center / FAQ (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Cashback type: Crypto

Source: The Gemini Credit Card

Official product page (tier 1)

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

Interest on balance: 3.11%

Savings interest included in every plan incl. Free; variable

Source states (paraphrased): Each plan includes 3.11%* interest on your savings

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Cashback conditions: 4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Rewards are deposited when the transaction posts; some exclusions apply · Up to 10% back at selected merchants (offers vary)

Source: The Gemini Credit Card

Official product page (tier 1)

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

Credit line: Yes

Optional Credit Limit on the Credit Card

Source states (paraphrased): Pay from your own money, or add a Credit Limit if you want more flexibility.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Credit line: Yes

Subject to credit approval

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Credit type: Revolving credit

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Interest (APR): 16.74%

16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)

Source states (paraphrased): Annual Percentage Rate (“APR”) for Purchases 16.74 to 34.74%

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Grace period: Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due date

Source states (paraphrased): We will not charge you any interest on purchases if you pay your entire balance by the Payment Due Date each month.

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Spend own balance directly: Yes

Source states (paraphrased): Pay from your own money, or add a Credit Limit if you want more flexibility.

Source: Discover bunq credit, digital and metal cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Available in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

bunq personal account (all bunq cards require one): citizens and residents of the listed supported EEA countries; non-EU citizens living there may also sign up with suitable documents. Overseas regions/territories excluded. Minors allowed with guardian permission.

Source states (paraphrased): 🇦🇹 Austria, 🇧🇪 Belgium, 🇧🇬 Bulgaria, 🇭🇷 Croatia, 🇨🇾 Cyprus, 🇨🇿 Czech Republic, 🇩🇰 Denmark, 🇪🇪 Estonia, 🇫🇮 Finland, 🇫🇷 France, 🇩🇪 Germany, 🇬🇷 Greece, 🇭🇺 Hungary, 🇮🇪 Ireland, 🇮🇹Italy, 🇱🇻 Latvia, 🇱🇹 Lithuania, 🇱🇺 Luxembourg, 🇲🇹 Malta, 🇳🇱 the Netherlands, 🇵🇱 Poland, 🇵🇹 Portugal, 🇷🇴 Romania, 🇸🇰 Slovakia, 🇸🇮 Slovenia, 🇪🇸 Spain and 🇸🇪 Sweden

Source: Who can open a bunq Personal account?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Available in: United States

US residents only

Source states (paraphrased): You must reside in the United States when you apply for the Account and at all times while the Account remains open.

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Not available in: AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, RE

Residents of Overseas Countries and Territories (Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon, Sint Eustatius, Sint Maarten, Wallis and Futuna) and French overseas regions (French Guiana, Guadeloupe, Martinique, Mayotte, Réunion) cannot currently open an account. Non-EEA residents can join a country waitlist.

Source states (paraphrased): Overseas Countries and Territories (OCTs): Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon

Source: Who can open a bunq Personal account?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Own IBAN / bank details: Yes

Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans

Source states (paraphrased): Bank Accounts, each with its own IBAN

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Apple Pay: Yes

All plans

Source states (paraphrased): Apple Pay ✓ ✓ ✓ ✓

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: Yes

All plans

Source states (paraphrased): Google Pay ✓ ✓ ✓ ✓

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Not on Free plan; Core 1 included, Pro/Elite 3 included

Source states (paraphrased): Physical Card ✕ 1 included 3 included 3 included

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

Virtual card: Yes

Free/Core 1 digital card, Pro/Elite 25

Source states (paraphrased): Digital Cards 1 included 1 included 25 included 25 included

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Virtual card: Yes

Source states (paraphrased): if you use your virtual card before you receive, activate and use your physical Card

Source: Gemini Credit Card Cardholder Agreement (25 Sep 2026)

Official terms & conditions (tier 1)

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

ATM withdrawals: Yes

Source states (paraphrased): Free ATM Withdrawals ✕ ✕ 6/month 6/month

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Travel / rental car insurance: No

Only bunq Elite plan

Source states (paraphrased): Travel insured, worldwide

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

ATM limit: €1,000

Personal accounts, per calendar day per person, for accounts verified 3 months or longer; €250 per day for accounts verified less than 3 months ago. Business: €1,000 per card per day.

Source states (paraphrased): Account verified 3 months or longer: €1,000 per calendar day, per person.

Source: Need cash?

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Regulation / licences: Full European banking licence issued by De Nederlandsche Bank (DNB)

Source states (paraphrased): We hold a full European banking license issued by the Dutch National Bank (DNB).

Source: Is bunq safe and reliable? | bunq Help

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Deposit protection: Yes

Up to €100,000 via the Dutch Deposit Guarantee Scheme

Source states (paraphrased): Your deposits are covered by the Dutch Deposit Guarantee Scheme.

Source: Compare bunq Personal Plans

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%