bunq vs Tangem Pay

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: Tangem Pay — The Visa Card for Your Crypto Wallet

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%

Card type: Stablecoin card

Funded with USDC loaded in advance; no credit line

Source states (paraphrased): It is a virtual Visa card issued by Rain , funded with USDC, which you load first.

Source: Is Tangem Pay a Credit Card or a Debit Card?

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

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: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (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

Source states (paraphrased): your assets remain in your own self-custodial smart contract throughout

Source: Help center | Partners & Roadmap

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

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: Rain (issuer); Paera LLC (program provider)

Source states (paraphrased): The Tangem Pay card is issued by Rain , a Visa Principal Member

Source: Help center | Partners & Roadmap

Official help center / FAQ (tier 1)

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

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 (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)

Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon

Source states (paraphrased): Tangem Pay fixes this with its first membership tiers: Basic, Plus, and Prestige .

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (tier 1)

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

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 tier; Plus $29.99/month

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (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%

Virtual card fee: Free

Basic tier

Source states (paraphrased): Free virtual card. No monthly fees.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

Replacement fee: $5

Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0

Source states (paraphrased): Virtual: $5; Plastic: delivery fee only

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (tier 1)

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

FX fee: 1.5%

Up to; Tangem pages show 1% and 1.5%

Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Top-up fee: $1

Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees

Source states (paraphrased): Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee).

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

ATM fee: 4%

Basic tier; 2% on Plus

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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: Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchases

Source states (paraphrased): Polygon gas fees apply when topping up the card (paid to the Polygon network, not to Tangem), and Visa foreign-exchange fees apply

Source: Is Tangem Pay a Credit Card or a Debit Card?

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

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

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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: $10,000/month

Basic tier, per month; Plus $15,000

Source states (paraphrased): That means up to $10,000 in monthly spending is eligible.

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

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

Max cashback per month: $100/month

Basic tier; Plus $300, Prestige $1000

Source states (paraphrased): Basic tier users earn 1% back on all eligible purchases, capped at $100 per month.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

Cashback conditions: Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycle

Source states (paraphrased): Cashback requires a minimum transaction amount of $30.

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

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

Reward exclusions: In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback terms

Source states (paraphrased): cashback does not apply to in-store purchases at EU and UK merchants.

Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back

Official announcement (tier 1)

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

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

Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.

Source: Is Tangem Pay a Credit Card or a Debit Card?

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Credit type: None

Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.

Source: Is Tangem Pay a Credit Card or a Debit Card?

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

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%

Available in: United States

Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

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

Source states (paraphrased): The card currency is USD

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

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

US routing and account number (ACH/FedWire), not an IBAN

Source states (paraphrased): Your Tangem Pay account has its own routing number and account number.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

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): add your card to Apple Pay or Google Pay

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

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): add your card to Apple Pay or Google Pay

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

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

Page elsewhere mentions up to three virtual cards

Source states (paraphrased): you can open up to five virtual and plastic Visa cards

Source: Help center | What is Tangem Pay

Official help center / FAQ (tier 1)

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

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): You receive a virtual Visa card.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

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

Contactless ATMs only, via Apple Pay or Google Pay

Source states (paraphrased): You can withdraw cash at any contactless ATM.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

Spend stablecoins: Yes

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Airport lounge access: No

Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.

Source states (paraphrased): Enjoy complimentary access to airport lounges worldwide with included Priority Pass/Dragon Pass visits.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

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%

Travel / rental car insurance: No

Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.

Source states (paraphrased): Coverage for accidental damage when you pay for your rental car with your card.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

Purchase protection: No

Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.

Source states (paraphrased): Coverage against theft or accidental damage on eligible purchases.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

Spendable assets: USDC · USDT

Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

Blockchains: Polygon · Base · BNB Smart Chain · Arbitrum

Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (tier 1)

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

ATM limit: $250

Per transaction; up to 3 withdrawals per 24 hours

Source states (paraphrased): Your maximum withdrawal is $250 per transaction.

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

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, Basic tier; Plus $50,000, Prestige $100,000

Source states (paraphrased): $10,000 daily spending limit

Source: Tangem Pay — The Visa Card for Your Crypto Wallet

Official product page (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%

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%