bunq vs Mine Card

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%

Product status: Active

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Card type: Stablecoin card

Spends from your USDC balance, converted at purchase

Source states (paraphrased): Mine converts from your USDC balance at the moment of purchase, at a rate you can see.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Network: Mastercard

Source states (paraphrased): It’s a Mastercard issued by Unblock Atomo SARL in the EEA.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Custody model: Self-custody

Source states (paraphrased): Mine never custodies your funds.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Card issuer / program manager: Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, Switzerland

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (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/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%

Tiers / plans: Basic · Premium

Metal and Private announced, no price yet

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Monthly fee: Free

Basic and Premium are one-off fees, no subscription

Source states (paraphrased): one-off, no subscription

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card fee: $124

Premium tier (physical + virtual card), one-off; $99 with an invite code

Source states (paraphrased): Premium is $124 one-off, 20% off with a code.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card fee: $5

One-off; free with an invite code

Source states (paraphrased): The Virtual card is free with a valid code, otherwise $5 one-off

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Top-up fee: Free

Source states (paraphrased): Card top-up fee 0%

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

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%

Other fees & markups: CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the app

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Base cashback: 0%

Basic tier has no cashback; Premium 0.5% in USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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 paid in: USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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 type: Stablecoin

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

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%

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%

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%

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%

Account / spend currencies: CHF · EUR · USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Own IBAN / bank details: Yes

CHF and EUR IBAN in your own name; incoming money settles as USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Apple Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay from day one

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Google Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay from day one

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Physical card: Yes

Premium tier

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Virtual card: Yes

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

ATM withdrawals: Yes

Limit $20,000 per month on Basic, $60,000 on Premium

Source states (paraphrased): ATM withdrawals: $20,000 per month on Basic, $60,000 on Premium.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins: Yes

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Airport lounge access: No

Listed only under the (not yet released) Metal tier; not on Basic or Premium

Source states (paraphrased): Airport lounges

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

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%

Spendable assets: USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Spending limit: $100,000

Per month, Basic; Premium $1,000,000

Source states (paraphrased): Monthly limit $100,000

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Regulation / licences: Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%