bunq vs MEXC Global Card
E-money / FinTech
Crypto native
Verdict
- bunq scores higher overall (7.2 vs 6.0 out of 10).
- bunq is clearly stronger on: Fees, Availability, Product features, Custody & security, Credit & financing.
- MEXC Global Card is clearly stronger on: Cashback & rewards, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
bunq is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, Availability, Product features, Custody & security, Credit & financing
MEXC Global Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Cashback & rewards, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | bunq | MEXC Global Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 16 | 55 |
| Availability | 90 | 7 |
| FX & international | 100 | 100 |
| Product features | 70 | 56 |
| Custody & security | 75 | 60 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 70 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | 6.0 |
| Best for Travel | 8.2 | 7.2 |
| Best for DeFi Users | n/a | 6.2 |
| Best for Stablecoins | n/a | 7.8 |
| Best for High Spenders | 5.8 | 6.6 |
| Best for Low Fees | 9.3 | 8.7 |
| Best for Beginners | 7.7 | 6.4 |
| Best Crypto Credit Card | 6.8 | n/a |
| Best E-Money Card | 8.9 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit card, Credit cardConditions apply: tap or hover for detailsShow source
Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded with USDT from the MEXC Fiat account
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialShow source
Launch date
2026-08-31Show source
Card issuer / program manager
bunq B.V.Show source
MEXCConditions apply: tap or hover for detailsShow source
Page describes MEXC Cards as issued by MEXC; no licensed issuing bank named
Tiers / plans
Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source
Standard (M-Score 350–599) · Premium (M-Score 600–799) · Elite (M-Score 800+)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
Physical card fee
€99Conditions apply: tap or hover for detailsShow source
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Standard USD 20 issuance fee waived for a limited time
FX fee
0%Conditions apply: tap or hover for detailsShow source
ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited
0%Conditions apply: tap or hover for detailsShow source
Visa exchange rate without markup (the 1% transaction fee still applies)
Crypto conversion fee
0%Show source
Top-up fee
FreeShow source
ATM fee
€2.99Conditions apply: tap or hover for detailsShow source
Free plan: €2.99 each; Core/Pro/Elite: €0.99 for the first 5/month, then €2.99; Pro and Elite include 6 free withdrawals/month
Settlement fee
1%Conditions apply: tap or hover for detailsShow source
On every purchase, MEXC Global Card
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
Transactions under 1 USD (MEXC Global Card)
Other fees & markups
Metal card €99 per card (Pro/Elite)Show source
Failed transactions: 0.5 USD each when the failed-transaction rate is 20% or moreShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Programme ended 7 Dec 2025; partner cashback offers still available
Max cashback
0%Conditions apply: tap or hover for detailsShow source
Cashback programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available
10%Conditions apply: tap or hover for detailsShow source
Elite tier (M-Score 800+); 6% Premium, 4% Standard
Cashback paid in
USDTShow source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
Cashback programme ended on 7 December 2025
StablecoinShow source
Interest on balance
3.11%Conditions apply: tap or hover for detailsShow source
Savings interest included in every plan incl. Free; variable
7%Conditions apply: tap or hover for detailsShow source
APR in the exclusive MEXC Global Card Earn program (flexible)
Max cashback per month
$800/monthConditions apply: tap or hover for detailsShow source
800 USDT, Elite tier; 300 USDT Premium, 100 USDT Standard
Cashback conditions
Rate set by the M-Score tier on the last day of the month · Paid by the 15th of the following month · Refunded or reversed purchases do not countShow source
Reward exclusions
Refunded or reversed transactionsConditions apply: tap or hover for detailsShow source
Cashback already credited for these transactions is deducted
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Optional Credit Limit on the Credit Card
NoShow source
Spend own balance directly
YesShow source
Availability
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, SwedenConditions apply: tap or hover for detailsShow source
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.
Philippines, TW, VietnamConditions apply: tap or hover for detailsShow source
Among others; MEXC does not publish the full list
Not available in
AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, REConditions apply: tap or hover for detailsShow source
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.
United States, CN, India, Indonesia, Turkey, RUConditions apply: tap or hover for detailsShow source
Partial list as of August 2026; dozens of smaller jurisdictions are also on the application blacklist, which changes over time
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
All plans
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
All plans
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Not on Free plan; Core 1 included, Pro/Elite 3 included
NoConditions apply: tap or hover for detailsShow source
Virtual-only at launch; MEXC plans a physical card at a later stage
Virtual card
YesConditions apply: tap or hover for detailsShow source
Free/Core 1 digital card, Pro/Elite 25
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Only bunq Elite plan
Spendable assets
USDTConditions apply: tap or hover for detailsShow source
Card is funded with USDT via the MEXC Fiat account
Limits
ATM limit
€1,000Conditions apply: tap or hover for detailsShow source
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.
Spending limit
$1,000,000Conditions apply: tap or hover for detailsShow source
Per day; 80,000 USD per transaction
Security & custody
Regulation / licences
Full European banking licence issued by De Nederlandsche Bank (DNB)Show source
Deposit protection
YesConditions apply: tap or hover for detailsShow source
Up to €100,000 via the Dutch Deposit Guarantee Scheme
Annual cost at 1,500 EUR/month
bunq
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−36 EUR
- Cashback+0 EUR
- Net annual value-36 EUR
MEXC Global Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers