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bunq vs CoinZoom Visa Card

bunq

E-money / FinTech

7.2
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CoinZoom Visa Card

Crypto native

6.3
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Verdict

  • bunq scores higher overall (7.2 vs 6.3 out of 10).
  • bunq is clearly stronger on: Fees, Credit & financing.
  • CoinZoom Visa Card is clearly stronger on: Limits & ATM.
  • For 1,500 EUR/month of spend, CoinZoom Visa Card comes out about 126 EUR a year ahead on base-tier terms.

bunq is a good fit for

  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Fees, Credit & financing

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Limits & ATM

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesbunq vs ether.fi CashCoinZoom Visa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionbunqCoinZoom Visa Card
Fees10082
Cashback & rewards1618
Availability90–
FX & international100100
Product features7070
Custody & security7575
Credit & financing7030
Limits & ATM70100
Transparency8693
Best for Cashback5.24.8
Best for Travel8.28.1
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a7.2
Best for High Spenders5.85.6
Best for Low Fees9.39.1
Best for Beginners7.76.9
Best Crypto Credit Card6.8n/a
Best E-Money Card8.9n/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

Debit cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

Card issuer / program manager

bunq B.V.Show source
No data yet

Tiers / plans

Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source
Non-Prime · Silver · Gold · Diamond · BlackConditions apply: tap or hover for detailsShow source

Black (labelled "Most rewards") is listed right after Diamond (quote kept under ~200 characters). Tiers unlocked by ZOOM holdings; Prime membership starts at 10,000 ZOOM. Per-tier details (reward rates, ZOOM amounts) are not in the page text ("Loading tier data")

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

On every tier

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

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

No data yet

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

$5Conditions apply: tap or hover for detailsShow source

Standard shipping for Non-Prime ($12 expedited); free from Silver

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

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

Network conversion rates may apply

Crypto conversion fee

No data yet
1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

Top-up fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12

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

FreeConditions apply: tap or hover for detailsShow source

No CoinZoom fee, domestic and international; ATM operators may charge

Other fees & markups

Metal card €99 per card (Pro/Elite)Show source
Virtual card reissuance 1,000 ZOOM · Chargebacks $100 · Card declined (insufficient funds) $0.50Conditions apply: tap or hover for detailsShow source

Listed under CoinZoom Visa Card fees

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Programme ended 7 Dec 2025; partner cashback offers still available

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

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

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

Cashback paid in

No data yet
ZOOMShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Cashback programme ended on 7 December 2025

Platform tokenShow source

Interest on balance

3.11%Conditions apply: tap or hover for detailsShow source

Savings interest included in every plan incl. Free; variable

No data yet

Cashback conditions

No data yet
Higher reward tiers (CoinZoom Prime) require holding at least 10,000 ZOOM; higher tiers need larger ZOOM holdings, with no annual resetConditions apply: tap or hover for detailsShow source

Page example: spending $500 a month for a year earns $120 in free crypto on a Gold Card and $300 on a Black card

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

Staking asset

No data yet
ZOOMShow source

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
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.

No data yet

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.

No data yet

Account / spend currencies

No data yet
USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

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

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

All plans

No data yet

Google Pay

YesConditions apply: tap or hover for detailsShow source

All plans

No data yet

Physical card

YesConditions apply: tap or hover for detailsShow source

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

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Free/Core 1 digital card, Pro/Elite 25

YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

Only bunq Elite plan

No data yet

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.

$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

Spending limit

No data yet
$200Conditions apply: tap or hover for detailsShow source

Daily POS limit, Non-Prime; Silver $250, Gold $2,500, Diamond $500, Black $250 (as stated on page)

Security & custody

Regulation / licences

Full European banking licence issued by De Nederlandsche Bank (DNB)Show source
FinCEN MSB · Licensed money transmitter in applicable jurisdictionsConditions apply: tap or hover for detailsShow source

Stated for CoinZoom, Inc. in the page footer

Deposit protection

YesConditions apply: tap or hover for detailsShow source

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

No data yet

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

CoinZoom Visa Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More bunq comparisons

More CoinZoom Visa Card comparisons