Verdict
- Tuyo Card scores higher overall (6.7 vs 6.1 out of 10).
- bunq is clearly stronger on: FX & international.
- Tuyo Card is clearly stronger on: Fees.
- 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
- Frequent travellers
Stronger on: FX & international
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
Score by criterion
| Criterion | bunq | Tuyo Card |
|---|---|---|
| Fees | 72 | 100 |
| Cashback & rewards | – | – |
| Availability | 53 | – |
| FX & international | 80 | 60 |
| Product features | – | 80 |
| Custody & security | – | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | 90 | – |
| Transparency | 79 | 79 |
| Best for Travel | 7.2 | 6.5 |
| Best for Self-Custody | n/a | 7.6 |
| Best for DeFi Users | n/a | 6.8 |
| Best for Stablecoins | n/a | 7.5 |
| Best for High Spenders | n/a | 6.0 |
| Best for Low Fees | 7.8 | 7.9 |
| Best for Beginners | 6.1 | 7.6 |
| Best E-Money Card | 7.2 | n/a |
Product
Product status
ActiveShow source
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%
ActiveShow source
Product status: Active
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Stablecoin cardShow source
Card type: Stablecoin card
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
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%
VisaShow source
Network: Visa
Source states (paraphrased): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Keys stay on the user's device
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Keys stay on the user's device
Card issuer / program manager
Signify Holdings, Inc. (Rain)Show source
Card issuer / program manager: Signify Holdings, Inc. (Rain)
Source: Everything about Tuyo
Official help center / FAQ (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/moShow source
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%
Fees
Monthly fee
Free*Show source
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%
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card fee
€99*Show source
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%
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
0.5%*Show source
FX fee: 0.5%
Core, Pro, Elite (ZeroFX: Mastercard rate + markup); Free plan only €1,000/year at the standard rate
Source: ZeroFX with bunq
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Core, Pro, Elite (ZeroFX: Mastercard rate + markup); Free plan only €1,000/year at the standard rate
1%*Show source
FX fee: 1%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
ATM fee
€0.99*Show source
ATM fee: €0.99
Core: €0.99 for the first five per month, €2.99 after; Pro/Elite: six free per month
Source: Need cash?
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core: €0.99 for the first five per month, €2.99 after; Pro/Elite: six free per month
Cashback & rewards
Cashback conditions
No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')Show source
Cashback conditions: No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')
Source: Tuyo — Your next purchase may be free
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Netherlands*Show source
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%
Most EEA countries supported; list continues on the source page
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card announced as coming soon
Virtual card
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
BaseShow source
Blockchains: Base
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
bunq
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashbackunknown
- Net annual valuenot enough data
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- 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