bunq vs Oobit

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

Source: Oobit Crypto Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

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%

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: Visa

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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

Crypto stays in your wallet until the moment you pay

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

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: Third National (issuer, under license from Visa); program provided by Oobit Technologies UAB

Source states (paraphrased): The issuer for this card program is ThirdNational.

Source: https://www.oobit.com/legal/card-terms

Official product page (tier 1)

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

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%

Annual fee: Free

No fee for the card itself

Source states (paraphrased): there's no fee for the card itself

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

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%

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%

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%

FX fee: 1.5%

Up to 1.5% on non-USD purchases

Source states (paraphrased): Foreign Exchange Fee (non USD): up to 1.5%

Source: https://www.oobit.com/legal/card-terms

Official product page (tier 1)

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

Crypto conversion fee: 0.95%

Swaps; 3% when swapping into OOB

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

ATM fee: 2.5% (min. $0.25)

Plus ATM operator fees

Source: Oobit FAQ

Official help center / FAQ (tier 1)

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

Settlement fee: 1% (min. $0.25)

Per card payment (Brazil: 1%, no minimum)

Source states (paraphrased): 1% per payment, with a minimum of $0.25.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

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: 1% fee on purchases

Source states (paraphrased): Purchases have a 1% fee.

Source: Crypto Card UAE

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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%

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 (EEA residents) / USDT (outside EEA)

Source states (paraphrased): If you reside in the European Economic Area, you may exchange your points for USDC.

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

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

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

Source states (paraphrased): you may exchange your points for USDC

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

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%

Cashback-eligible spend cap: $200/month

When paying with tokens other than OOB; $10,000/month when paying with OOB

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Cashback conditions: Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferred

Source states (paraphrased): The current exchange rate is 1,000 points to USD 1

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Staking / holding required for top rewards: No

Source states (paraphrased): Other crypto cards often come with staking requirements or volatile token rewards. Oobit doesn't.

Source: Crypto Card UAE

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Reward expiry / vesting: Outstanding accrued rewards are lost if the account is closed, suspended or restricted

Source states (paraphrased): you will lose your entitlement to those rewards

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Reward exclusions: Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed payments

Source states (paraphrased): you request a refund from the merchant, or your payment is reversed

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

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%

Credit line: No

Classified as credit card only for network acceptance; spends own crypto

Source states (paraphrased): Oobit does not offer a credit line, loans, or interest.

Source: Oobit Crypto Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Interest (APR): 0%

Currently 0% on all purchases; issuer may introduce interest for new purchases

Source states (paraphrased): Your Oobit Spend Card is currently Zero 0% interest on all purchases.

Source: https://www.oobit.com/legal/card-terms

Official product page (tier 1)

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

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%

Spend own balance directly: Yes

Source states (paraphrased): You only spend the crypto you own

Source: Crypto Card UAE

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%

Available in: AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New Zealand

Country list as given on the page (74 countries listed, page claims 80+)

Source states (paraphrased): Oobit is available in 80+ countries across six continents, and we add new markets regularly.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

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: USD

Base currency; other currencies converted automatically, rate shown on receipt

Source states (paraphrased): Oobit uses USD as its base currency.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

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%

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

After verification

Source: Crypto Card in South Korea

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

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

After verification

Source: Crypto Card in South Korea

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

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%

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 states (paraphrased): Simply use your Oobit virtual card

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%

Spend stablecoins: Yes

Source states (paraphrased): Oobit supports USDC, USDT, BNB, USDR, EURR

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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%

Travel / rental car insurance: Yes

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

Source states (paraphrased): price protection, purchase protection, extended warranty, and worldwide auto rental coverage

Source: Oobit Crypto Card

Official product page (tier 1)

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

Purchase protection: Yes

Visa Platinum benefits, included automatically

Source states (paraphrased): price protection, purchase protection, extended warranty, and worldwide auto rental coverage

Source: Oobit Crypto Card

Official product page (tier 1)

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

Spendable assets: USDT · Bitcoin · Ethereum · Stablecoins

Source states (paraphrased): It lets you spend USDT , Bitcoin , Ethereum , and stablecoins directly.

Source: Crypto Card | 10% Cashback Anywhere

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Blockchains: Ethereum · BNB Smart Chain · Solana · Polygon

DePay payments from external wallets

Source states (paraphrased): You can pay today using assets on Ethereum (ERC-20) , on BNB Smart Chain, Solana , and Polygon

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

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: $10,000

Per day; maximum limit

Source states (paraphrased): Daily limit: Up to 10,000 USD per day

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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: US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)

Source states (paraphrased): US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

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%