Verdict
- bunq scores higher overall (7.2 vs 6.0 out of 10).
- bunq is clearly stronger on: FX & international, Custody & security, Limits & ATM.
- KAST is clearly stronger on: Cashback & rewards.
- For 1,500 EUR/month of spend, KAST comes out about 187 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: FX & international, Custody & security, Limits & ATM
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards
Score by criterion
| Criterion | bunq | KAST |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 16 | 35 |
| Availability | 90 | – |
| FX & international | 100 | 30 |
| Product features | 70 | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 70 | 70 |
| Limits & ATM | 70 | 33 |
| Transparency | 79 | 79 |
| Best for Cashback | 5.2 | 5.1 |
| Best for Travel | 8.2 | 5.0 |
| Best for DeFi Users | n/a | 6.3 |
| Best for Stablecoins | n/a | 6.2 |
| Best for High Spenders | 5.8 | 5.1 |
| Best for Low Fees | 9.2 | 6.9 |
| Best for Beginners | 7.6 | 7.0 |
| Best Crypto Credit Card | 6.8 | 6.9 |
| Best E-Money Card | 8.9 | n/a |
Product
Product status
ActiveShow source
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%
ActiveShow source
Product status: Active
Source states (paraphrased): Fee page updated in October 2026.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit card, Credit card*Show source
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%
Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit
Stablecoin cardShow source
Card type: Stablecoin card
Source states (paraphrased): Cards spend stablecoins at Visa merchants.
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Network
MastercardShow source
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%
VisaShow source
Network: Visa
Source states (paraphrased): The card works wherever Visa is accepted.
Source: Where Can I Use My KAST Card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Custodial*Show source
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 today (Fresh) · confidence 95%
The provider holds the funds
Custodial*Show source
Custody model: Custodial
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Source states (paraphrased): thereafter held by a Custodian part of our Partners
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Card issuer / program manager
bunq B.V.Show source
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%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Standard · Premium · Private*Show source
Tiers / plans: Standard · Premium · Private
Account-level memberships replacing card tiers (announced May 5, 2026)
Source states (paraphrased): choose Standard, Premium, or Private
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Account-level memberships replacing card tiers (announced May 5, 2026)
Fees
Annual fee
Free*Show source
Annual fee: Free
Standard membership; Premium $1,000/yr, Private $10,000/yr
Source states (paraphrased): Standard membership costs $0 per year.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard membership; Premium $1,000/yr, Private $10,000/yr
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
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
$40*Show source
Physical card fee: $40
Delivery fee; the Standard physical card itself is free
Source states (paraphrased): Standard physical cards: no card fee, $40 delivery fee.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 88%
Delivery fee; the Standard physical card itself is free
Virtual card fee
FreeShow source
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%
Free*Show source
Virtual card fee: Free
Standard; in certain markets Standard virtual card issuance may include a $2 fee
Source states (paraphrased): 2 free cards, virtual or physical
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Standard; in certain markets Standard virtual card issuance may include a $2 fee
FX fee
0%*Show source
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%
ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited
1.75%*Show source
FX fee: 1.75%
Up to; 0.5%–1.75% on non-USD card spend depending on membership
Source states (paraphrased): 0.5%–1.75% foreign exchange fee on non-USD card spend.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; 0.5%–1.75% on non-USD card spend depending on membership
ATM fee
€2.99*Show source
ATM fee: €2.99
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
Source states (paraphrased): Extra ATM Withdrawals €2.99 each €0.99 for the first 5/month, then €2.99
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%
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
$3 + 2%*Show source
ATM fee: $3 + 2%
Plus FX fee on non-USD ATMs; operators may add charges
Source states (paraphrased): ATM fee is $3 plus 2% of the withdrawal.
Source: Can I Withdraw Cash With a KAST Card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus FX fee on non-USD ATMs; operators may add charges
Small transaction fee
$0.10*Show source
Small transaction fee: $0.10
Non-USD transactions under $25
Source states (paraphrased): $0.10 fee on non-USD transactions under $25.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-USD transactions under $25
Other fees & markups
Metal card €99 per card (Pro/Elite)Show source
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%
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
Other fees & markups: Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing fees
Source states (paraphrased): The Company will charge a monthly inactivity fee of $1 in the platform's primary Virtual Assets on dormant accounts.
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Base cashback
0%*Show source
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%
Programme ended 7 Dec 2025; partner cashback offers still available
1.5%*Show source
Base cashback: 1.5%
Standard membership, first $2,000 of spend per month
Source states (paraphrased): Standard: 1.5% cashback on the first $2,000 per month.
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard membership, first $2,000 of spend per month
Max cashback
0%*Show source
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 programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available
3%*Show source
Max cashback: 3%
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Source states (paraphrased): Private: 3% on the first $40,000 per month, plus 2% KAST Points.
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Cashback paid in
USDShow source
Cashback paid in: USD
Source states (paraphrased): Paid memberships also include both USD cashback and KAST Points on eligible spend.
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Cashback type
None*Show source
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 today (Fresh) · confidence 95%
Cashback programme ended on 7 December 2025
Interest on balance
3.11%*Show source
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 today (Fresh) · confidence 95%
Savings interest included in every plan incl. Free; variable
Cashback-eligible spend cap
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Standard; Premium $10,000, Private $40,000 per month
Source states (paraphrased): Monthly cashback-eligible spend caps per membership.
Source: How Do Cashback Rewards Work on KAST?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Cashback conditions: Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availability
Source states (paraphrased): Points bonus by membership; rewards subject to eligibility and caps.
Source: How Do Cashback Rewards Work on KAST?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward expiry / vesting
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
Reward expiry / vesting: Accrued unused benefits/rewards are forfeited when the membership expires or is terminated
Source states (paraphrased): will be forfeited unless otherwise specified on the Platform
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Reward exclusions
Some merchant categories excludedShow source
Reward exclusions: Some merchant categories excluded
Source states (paraphrased): some merchant categories are excluded
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
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%
Optional Credit Limit on the Credit Card
Yes*Show source
Credit line: Yes
Card described as a credit card secured by deposited virtual assets
Source states (paraphrased): access to credit secured by your deposited virtual assets held by the Custodian
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card described as a credit card secured by deposited virtual assets
Spend own balance directly
YesShow source
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%
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, Sweden*Show source
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%
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.
Not available in
AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, RE*Show source
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%
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.
Own IBAN / bank details
Yes*Show source
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%
Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans
Features
Apple Pay
Yes*Show source
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%
All plans
Yes*Show source
Apple Pay: Yes
Region-dependent
Source states (paraphrased): 0% fee for adding cards to Apple Pay / Google Pay where supported.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Region-dependent
Google Pay
Yes*Show source
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%
All plans
Yes*Show source
Google Pay: Yes
Region-dependent
Source states (paraphrased): 0% fee for adding cards to Apple Pay / Google Pay where supported.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Region-dependent
Physical card
Yes*Show source
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%
Not on Free plan; Core 1 included, Pro/Elite 3 included
YesShow source
Physical card: Yes
Source states (paraphrased): How do I order a physical KAST card?
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Virtual card
Yes*Show source
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%
Free/Core 1 digital card, Pro/Elite 25
YesShow source
Virtual card: Yes
Source states (paraphrased): Instant virtual card
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 92%
ATM withdrawals
YesShow source
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%
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): KAST cards can withdraw cash at ATMs.
Source: Can I Withdraw Cash With a KAST Card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 92%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Spend stablecoins at 150M+ merchants.
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Travel / rental car insurance
No*Show source
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 today (Fresh) · confidence 95%
Only bunq Elite plan
Spendable assets
USDT · USDC*Show source
Spendable assets: USDT · USDC
Acceptable Tokens for deposit
Source states (paraphrased): Currently, this includes Tether (USDT), and USD Coin (USDC).
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Acceptable Tokens for deposit
Blockchains
Ethereum · Solana · Polygon · Arbitrum · TRON*Show source
Blockchains: Ethereum · Solana · Polygon · Arbitrum · TRON
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Source states (paraphrased): across chains including Ethereum, Solana, Polygon, Arbitrum and TRON
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Limits
ATM limit
€1,000*Show source
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%
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.
$750*Show source
ATM limit: $750
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Source states (paraphrased): so $750 a day
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Security & custody
Regulation / licences
Full European banking licence issued by De Nederlandsche Bank (DNB)Show source
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*Show source
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%
Up to €100,000 via the Dutch Deposit Guarantee Scheme
NoShow source
Deposit protection: No
Source states (paraphrased): Your account is not covered by insurance against losses.
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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
KAST
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value151 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers