bunq vs Tuyo 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

Source: Tuyo Card

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

Source: Tuyo Card

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: Visa

Source states (paraphrased): Visa card accepted at 175M+ merchants.

Source: Tuyo Card

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

Keys stay on the user's device

Source: Tuyo – Send, Spend, Earn USDC (App Store)

Official product page (tier 1)

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

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: Signify Holdings, Inc. (Rain)

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

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

Source states (paraphrased): Tuyo Card has no issuance, monthly or yearly fee.

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

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

Source states (paraphrased): No monthly fee.

Source: Everything about Tuyo

Official help center / FAQ (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

Source states (paraphrased): No issuance fee.

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

FX fee: 1%

Up to ~1% FX spread on non-USD spend; no fee on USD transactions

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

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: ATM operator fees and FX markups apply on top of the withdrawal amount

Source states (paraphrased): ATM withdrawal fees and FX markups depend entirely on the ATM operator or the bank that owns the machine.

Source: ATM withdrawals | Tuyo Guides

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 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: TUYOs (points)

Not tradable or transferable

Source states (paraphrased): Get TUYOs with every dollar you spend with the Tuyo Card.

Source: TUYOs | Tuyo Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 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: Points

Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch

Source states (paraphrased): TUYOs are points in our rewards program and are not a cryptocurrency token.

Source: TUYOs | Tuyo Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 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 conditions: TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferable

Source states (paraphrased): Find current reward rates in the app.

Source: TUYOs | Tuyo Help Center

Official help center / FAQ (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

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

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%

Not available in: AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YE

Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions

Source states (paraphrased): if a country is listed here, users from that country cannot access Tuyo wallet, Earn, ramps, card, or virtual bank-account services

Source: Tuyo availability | Tuyo Guides

Official help center / FAQ (tier 1)

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

Account / spend currencies: USD · EUR

Source states (paraphrased): USD and EUR account numbers in your name.

Source: Tuyo – Send, Spend, Earn USDC (App Store)

Official product page (tier 1)

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

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

Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)

Source states (paraphrased): Get account details in your name: a CLABE, an IBAN, or an account and routing number, depending on where you live.

Source: Tuyo – Send, Spend, Earn USDC (App Store)

Official product page (tier 1)

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

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: Tuyo Card

Official product page (tier 1)

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

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: Tuyo Card

Official product page (tier 1)

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

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: No

Physical card announced as coming soon

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 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: Tuyo Card

Official product page (tier 1)

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

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 states (paraphrased): At a Visa ATM, choose Credit and enter your PIN.

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

Spend stablecoins: Yes

Source: Tuyo Card

Official product page (tier 1)

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

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 states (paraphrased): gas station holds on your USDC card

Source: Tuyo – Send, Spend, Earn USDC (App Store)

Official product page (tier 1)

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

Blockchains: Base

Source states (paraphrased): you need USDC on the Base network

Source: Tuyo card availability | Tuyo Guides

Official help center / FAQ (tier 1)

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

ATM limit: $250

Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours

Source states (paraphrased): The limit is $250 per withdrawal, including the ATM surcharge

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

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

Spending limit: $50,000

Daily; can rise to $100,000 and then $200,000 as total spending grows

Source states (paraphrased): New cards have a daily spending limit of up to $50,000.

Source: Everything about Tuyo

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%

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%