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bunq vs Fuse Card

bunq

E-money / FinTech

7.2
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Fuse Card

Crypto native

6.4
Get the card

Verdict

  • bunq scores higher overall (7.2 vs 6.4 out of 10).
  • bunq is clearly stronger on: Availability, Product features, Credit & financing, Limits & ATM.
  • Fuse Card is clearly stronger on: 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: Availability, Product features, Credit & financing, Limits & ATM

Fuse Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

Stronger on: Transparency

★ 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 CashFuse Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionbunqFuse Card
Fees100100
Cashback & rewards16–
Availability9023
FX & international100100
Product features7053
Custody & security7580
Credit & financing7030
Limits & ATM7020
Transparency86100
Best for Cashback5.26.0
Best for Travel8.27.1
Best for Self-Custodyn/a7.9
Best for DeFi Usersn/a6.9
Best for Stablecoinsn/a8.2
Best for High Spenders5.86.3
Best for Low Fees9.38.8
Best for Beginners7.77.0
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

Prepaid cardConditions apply: tap or hover for detailsShow source

Lead Bank Prepaid Visa; not a gift card, no expiration date

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Self-custodyConditions apply: tap or hover for detailsShow source

Solana smart account with multiple keys

Card issuer / program manager

bunq B.V.Show source
Lead BankConditions apply: tap or hover for detailsShow source

Issuer: Lead Bank, a Missouri state-chartered bank; Program Manager: Bridge Ventures LLC; Platform Provider: Selimor Investments Ltd d/b/a Squads Labs (Fuse)

Tiers / plans

Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source
No data yet

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

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

FreeShow source

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

No data yet

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

No data yet
FreeShow source

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

Including purchases outside the US

Top-up fee

No data yet
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

No data yet

Settlement fee

No data yet
FreeShow source

Other fees & markups

Metal card €99 per card (Pro/Elite)Show source
Fees for Stablecoin Sales and other transactions incidental to card use may be charged by the Platform Provider (Fuse) or Program Manager (Bridge); amounts not stated in this agreementShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Programme ended 7 Dec 2025; partner cashback offers still available

No data yet

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

No data yet

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Cashback programme ended on 7 December 2025

No data yet

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

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Optional Credit Limit on the Credit Card

NoShow source

Credit type

No data yet
NoneShow source

Spend own balance directly

YesShow source
YesConditions apply: tap or hover for detailsShow source

At each purchase the Program Manager sells stablecoins from the user's Fuse (Platform Provider) wallet and loads the fiat proceeds onto the card

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.

United States, Argentina, BO, Brazil, Colombia, CR, DO, EC, SV, GH, GT, HN, Mexico, PA, Nigeria, PY, Peru, UYConditions apply: tap or hover for detailsShow source

US except residents of New York and Alaska; age 18+; KYC required. The FAQ also contains an older line naming only the U.S. and Argentina

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

The card holds only fiat currency; fees are applied to the U.S. dollar amount of each transaction

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

YesShow source

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

No data yet

Virtual card

YesConditions apply: tap or hover for detailsShow source

Free/Core 1 digital card, Pro/Elite 25

YesShow source

ATM withdrawals

YesShow source
NoShow 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

Spendable assets

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

Only USDC in the Card Account

Blockchains

No data yet
SolanaShow source

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.

No data yet

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per day by default; may be raised after some usage

Security & custody

Regulation / licences

Full European banking licence issued by De Nederlandsche Bank (DNB)Show source
No data yet

Deposit protection

YesConditions apply: tap or hover for detailsShow source

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

NoConditions apply: tap or hover for detailsShow source

Fiat currency on the card is not eligible for FDIC insurance

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

Fuse Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 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

More bunq comparisons

More Fuse Card comparisons