bunq
bunq is a digital bank / neobank issued on Mastercard, rated 6.5/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
bunq is the strongest fit for app store / play, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | bunq · Digital Bank / Neobank |
| Official site | https://www.bunq.com |
| Best for | App Store / Play |
| Network | Mastercard |
| Rating | 6.5/10 (3.0★, 313 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Included in plan |
| Monthly / annual fee | Free €0 / Core €3.99 / Pro €9.99 / Elite €18.99 |
| FX / conversion fee | ~0.5% (ZeroFX) |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Platform compatibility
| App Store / Google Play | Yes |
What the issuer states on its own site
- Grow your savings with up to 3.01% interest,one of the strongest savings rates we offer, paid weekly.
- Earn up to 3.01% interest on your savings*,up to 50% more than traditional banks,paid out every week, so each payout earns you more the next week.
- Organize your finances with up to 25 dedicated money Pockets. Each has its own IBAN for transfers, Direct Debits, and card linking.
Source: https://www.bunq.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 243019 | Mastercard | United Kingdom | Debit | 135 | 96 | 71.1% |
We logged 96 cleared charges out of 135 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does bunq cost to run?
The cost lines stack like this: issuing it costs Included in plan; there is no monthly fee on the entry tier; conversion is priced at ~0.5% (ZeroFX). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for bunq?
bunq asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
Does bunq work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will bunq trigger 3-D Secure?
Yes. bunq supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.