Updated September 29, 2026 · DebitCue Editorial Team
bunq Spain vs CrediMax Cardy EX prepaid Visa
bunq Spain
CrediMax Cardy EX prepaid Visa
Higher score in this comparison
What sets them apart
| Compare | bunq SpainReviewVisitVisit | CrediMax Cardy EX prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | BHD 0 |
| Card type | Debit | Prepaid |
| Card network | Mastercard | Visa |
| Currencies | 8 | 33Higher |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
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Key differences
- CrediMax Cardy EX prepaid Visa scores higher overall: 9.4 vs 8.8.
- Founded is lower at CrediMax Cardy EX prepaid Visa: 1999 vs 2012.
- Currencies is higher at CrediMax Cardy EX prepaid Visa: 33 vs 8.
- Support channels: only CrediMax Cardy EX prepaid Visa offers Phone, Help centre.
- Features: only bunq Spain offers Crypto, Virtual card.
- Audience: only CrediMax Cardy EX prepaid Visa offers Business.
Our verdict on each
bunq Spain
bunq Spain suits students and frequent travellers who want a multi-currency account with a Mastercard debit card and no annual fee. It is a Dutch account from bunq B.V., supervised by De Nederlandsche Bank, and currency conversion is the cost that matters, since fees run 0.5% to 3% on each exchange.
CrediMax Cardy EX prepaid Visa
CrediMax Cardy EX is a prepaid Visa card that charges a monthly fee of BHD 0, built for business and student spending in Bahrain. It suits anyone who wants several currencies on one card, with support on phone, email and chat and the issuer CrediMax B.S.C.
Score breakdown
| Area | bunq Spain | CrediMax Cardy EX prepaid Visa |
|---|---|---|
| Cost | 9.2Monthly fee of €0 and annual fee of €0, with conversion fees of 0.5% to 3% the only listed charge. | Not confirmed |
| Offer | 8.9 | 9.8Higher |
| Trust | 8.5 | 9.2Higher |
Licences and countries
| Country | bunq Spain | CrediMax Cardy EX prepaid Visa |
|---|---|---|
| Bahrain | Not confirmed | |
| Netherlands | Not confirmed |
Additional countries for bunq Spain: 1. Additional countries for CrediMax Cardy EX prepaid Visa: 1.
Where they rank in our lists
| Ranking | bunq Spain | CrediMax Cardy EX prepaid Visa |
|---|---|---|
| Travel cards | 6 of 443 | 47 of 443 |
| Student cards | 2 of 62 | 7 of 62 |
Every fact side by side
| Fact | bunq Spain | CrediMax Cardy EX prepaid Visa |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, TravelCovers more | Multi currency, Travel |
| Audience | Student | Business, StudentCovers more |
| Legal entity | bunq B.V. | CrediMax B.S.C. |
| Headquarters | Netherlands | Bahrain |
| Founded | 2012 | 1999Lower |
| Support channels | Email, Chat | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | bunq Spain | CrediMax Cardy EX prepaid Visa | Median |
|---|---|---|---|
| Currency conversion fee | 0.5% to 3%below the median | Not confirmed | 1 |
| Currencies | 8at the median | 33highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
bunq Spain
Pros
- The free plan carries a monthly fee of €0 and an annual fee of €0, so holding the account costs nothing.
- You can hold 8 currencies in one account, and the free plan lists multi-currency, crypto, virtual card and travel features, multi currency, crypto and virtual card.
- The card runs on Mastercard, mastercard, and is a debit card, debit, so spending comes from the balance you hold.
Cons
- Conversion is the one charge to plan for: fees run 0.5% to 3% for bunq Spain, and the site median is 1%.
- Support runs on email and chat, email and chat, with no phone channel listed.
CrediMax Cardy EX prepaid Visa
Pros
- Monthly fee of BHD 0 on the Cardy EX prepaid account
- Multi-currency card holding 33 currencies, with travel listed among its features
- Visa network acceptance through visa
Cons
- As a prepaid card, spending stops at the balance you have loaded
- Support runs on phone, email and chat only, with no branch or in-person channel listed
Who each suits
bunq Spain
Who it suits
- Students, the listed audience, student, who want a debit card and a virtual card without an annual fee.
- People who hold or spend in several currencies, with 8 currencies supported and multi-currency on the feature list, multi currency, crypto and virtual card.
- Travellers who want a Mastercard debit card, mastercard, and a clear exchange cost before they travel.
Who should look elsewhere
- Varo Believe Secured Credit Card, if you want to build credit rather than spend from a multi-currency balance.
- Wise, if you would rather choose on travel conversion cost alone, since its annual fee is also £0.
- Chime Card (Secured Visa Credit Card), if a secured credit card with an annual fee of $0 suits you better than a debit account.
CrediMax Cardy EX prepaid Visa
Who it suits
- Business owners who want a prepaid Visa for everyday costs
- Students keeping spending money on a separate prepaid card
- Travellers who want several currencies on one card, with travel listed among its features
Who should look elsewhere
- Skrill, whose monthly fee of €5 suits people who want a wallet rather than a bank-issued card
- E& Money, which also has a monthly fee of AED 0 and is an alternative for anyone comfortable with a different issuer at the same price
- JMMB Moneyline and JMMB Money Transfer prepaid card, also a prepaid Visa with a monthly fee of JMD 0, for anyone weighing multi-currency prepaid cards side by side
Current offers
CrediMax Cardy EX prepaid Visa
Current offer
Free trial
OSN+ Offer - 4 months of OSN+ Standard: 4 months of OSN+ Standard
Valid till 17 February 2027; active CrediMax Mastercard Platinum, World or World Elite credit card; resident in Bahrain and at least 18 years old; new subscriptions only
Source, checked September 26, 2026
Country by country
| Country | bunq Spain | CrediMax Cardy EX prepaid Visa |
|---|---|---|
| Bahrain | No | Yes |
| Spain | Yes | No |
Questions about each
bunq Spain
What does bunq Spain cost to keep open?+
The free plan carries a monthly fee of €0 and an annual fee of €0, so there is nothing to pay for the account itself. The charge worth planning for is currency conversion, which is priced separately on each exchange you make.
What does it cost to convert currency?+
Conversion fees run 0.5% to 3% on every exchange, which is the main ongoing cost of the account. You can hold 8 currencies, so keeping a balance in the currency you spend in can cut how often you convert and what you pay.
CrediMax Cardy EX prepaid Visa
What does the CrediMax Cardy EX cost each month?+
The Cardy EX carries a monthly fee of BHD 0. CrediMax is a prepaid card, so you spend from money you load rather than borrowing. Other cards in the comparison charge more: Skrill lists €5.
How many currencies can the Cardy EX hold?+
The card is multi-currency and holds 33 currencies, and travel is listed among its features. That suits a trip paid for in several currencies from one prepaid card rather than several separate wallets.
Other options to compare
bunq Spain
CrediMax Cardy EX prepaid Visa