Updated September 28, 2026 · DebitCue Editorial Team
bunq vs DBS Visa Debit Card
bunq
DBS Visa Debit Card
Higher score in this comparison
bunq vs DBS Visa Debit Card: the differences
| Compare | bunqReviewVisitVisit | DBS Visa Debit CardReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | SGD 0 |
| Currency conversion fee | 0.5% to 3%Lower | 3.25% |
| Card network | Mastercard | Visa |
| Currencies | 8 | 11Higher |
| Cashback rate | Not confirmed | 4% |
Same on both: Card type (Debit).
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Key differences
- DBS Visa Debit Card scores higher overall: 9.2 vs 9.0.
- Founded is lower at DBS Visa Debit Card: 1968 vs 2012.
- Currency conversion fee is lower at bunq: 0.5% to 3% vs 3.25%.
- Currencies is higher at DBS Visa Debit Card: 11 vs 8.
- Support channels: only bunq offers Email, Chat.
- Support channels: only DBS Visa Debit Card offers Phone, Help centre.
- Features: only bunq offers Crypto, Virtual card.
- Audience: only DBS Visa Debit Card offers Kids.
Our verdict on each
bunq
bunq is a euro debit card with a Mastercard and multi-currency accounts, aimed at students and at anyone spending abroad. The monthly fee is €0, the same as Wise at £0, while the currency conversion fee runs 0.5% to 3% on travel spending.
DBS Visa Debit Card
The DBS Visa Debit Card is a plain debit card for DBS Bank Ltd customers who mostly spend at home and want nothing to pay to keep it. The catch is travel: a currency conversion fee of 3.25% puts it well past the site median 1%.
Score breakdown
| Area | bunq | DBS Visa Debit Card |
|---|---|---|
| Cost | 9.2HigherCost is mid-range: monthly fee of €0 sits at €0, with 0.5% to 3% above the 1% median. | 8.7Conversion at 3.25% is the weak point, ranking 238 of 259 against a median 1%. |
| Offer | 9.0 | 9.2HigherCashback of 4% on a debit card, plus the multi-currency and travel features, gives the offer side more to work with. |
| Trust | 8.8 | 9.7Higher |
How they place
| Ranking | bunq | DBS Visa Debit Card |
|---|---|---|
| Debit cards | 7 of 1336 | 127 of 1336 |
| Credit cards | 5 of 1020 | 121 of 1020 |
| Travel cards | 5 of 443 | 95 of 443 |
| Student cards | 1 of 62 | 14 of 62 |
Where each is licensed and available
| Country | bunq | DBS Visa Debit Card |
|---|---|---|
| Netherlands | Not confirmed |
Additional countries for bunq: 1. Additional countries for DBS Visa Debit Card: 1.
Every fact side by side
| Fact | bunq | DBS Visa Debit Card |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, TravelCovers more | Multi currency, Travel |
| Audience | Student | Student, KidsCovers more |
| Legal entity | bunq B.V. | DBS Bank Ltd |
| Headquarters | Netherlands | Singapore |
| Founded | 2012 | 1968Lower |
| Support channels | Email, Chat | Phone, Help centre |
Credit cards
| Fact | bunq | DBS Visa Debit Card |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Pricing model | No annual fee | Not confirmed |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | bunq | DBS Visa Debit Card | Median |
|---|---|---|---|
| Currency conversion fee | 0.5% to 3%below the median | 3.25%highest quarter | 1 |
| Cashback rate | Not confirmed | 4%above the median | 2% |
| Currencies | 8at the median | 11above the median | 8 |
Median across 387 listed cards.
Pros and cons
bunq
Pros
- Monthly fee of €0 and annual fee of €0, with Wise at £0 charging the same on the monthly side.
- A Mastercard card, on the network behind 38.5% of the cards compared here.
- Multi-currency, crypto, a virtual card and travel features on the plan, with multi-currency listed on 34.9% of cards here.
Cons
- Support runs on email and chat only, with no phone line for urgent card problems.
- The upper end of the conversion fee, 0.5% to 3%, is well above the conversion median of 1% on heavy foreign spending.
- Wise also charges £0, so bunq has to win on features rather than on price.
DBS Visa Debit Card
Pros
- Cash back of 4% on a plain debit card.
- The card covers 11 currencies and is listed with multi-currency and travel features.
- Support runs on phone and help centre, so a phone line and a help centre are both there.
Cons
- Currency conversion of 3.25% is above the site median 1% and above the debit card upper quartile 2.5%.
- Support runs on phone and help centre only, with no live chat or email route.
Who each suits
bunq
Who it suits
- Students, who are the audience listed on student.
- Anyone who wants a Mastercard debit card with a monthly fee of €0 and no annual charge of €0.
- Travellers who pay in several currencies, with 8 currencies supported and multi-currency listed on multi currency, crypto and virtual card.
Who should look elsewhere
- Chime Card (Secured Visa Credit Card) if you want a credit card rather than bunq's debit card, at a monthly fee of $0.
- Wise if you would rather hold pounds, since its monthly fee of £0 is the same as bunq's €0.
- Varo Believe Secured Credit Card if you want secured credit, priced at a monthly fee of $0.
DBS Visa Debit Card
Who it suits
- Customers of DBS Bank Ltd, headquartered in Singapore, who want a card with nothing to pay each month.
- People who spend mostly in a single currency and want cash back of 4% on ordinary purchases.
- Student and kids accounts, the audiences DBS lists the card under.
Who should look elsewhere
- Wise, for anyone who treats currency conversion as the main cost, since this card charges 3.25% to convert.
- Varo Believe Secured Credit Card, for anyone wanting a credit card rather than a debit one.
- Chime Card (Secured Visa Credit Card), for a secured Visa card with a monthly fee of $0.
Current offers
DBS Visa Debit Card
Current offer
Bonus
Get up to 4.1% p.a. + S$250 in 2 easy steps with DBS Multiplier: Up to 4.1% p.a. + S$250
Register now; via DBS Multiplier
Source, checked September 26, 2026
Bonus
Receive up to S$10 Cash with PayNow: Up to S$10 cash
Link your PayNow to your NRIC/FIN and mobile number; register now
Source, checked September 26, 2026
Discount code
S$3 off eggs and rice every Saturday: S$3 off each
Every Saturday, exclusively with DBS/POSB Cards
Source, checked September 26, 2026
Discount code
Travel with DBS Half-priced Holidays: 50% off travel bookings
Every day of the week, only with DBS/POSB Cards
Source, checked September 26, 2026
Country by country
| Country | bunq | DBS Visa Debit Card |
|---|---|---|
| Netherlands | Yes | No |
| Singapore | No | Yes |
Questions about each
bunq
Is there a fee for holding a bunq account and card?+
The monthly fee is €0 and the annual fee is €0, so holding the account and the card costs nothing in fees. That matches Wise at £0 on the monthly side. Spending is where costs appear, and the one to watch is the currency conversion fee of 0.5% to 3% when you pay in another currency.
What does it cost to spend money abroad on bunq?+
Converting currency costs 0.5% to 3% on bunq, the range that applies when you spend in a currency other than the one on your balance. A trip concentrated in a single currency tends to sit at the lower end, while heavy multi-currency spending lands near the top. The card runs on Mastercard, which is accepted widely.
DBS Visa Debit Card
What does the DBS Visa Debit Card cost to hold?+
The monthly fee is SGD 0, so there is no charge for keeping the card open. Spending draws straight from the bank account behind it, and the only other cost the card carries is a currency conversion fee of 3.25% when money is spent in another currency.
How much does it cost to convert currency with this card?+
Conversion runs at 3.25%, which is above the site median 1% and above the debit card upper quartile 2.5%. Across the site's ranking of 259 brands the card places 238, so frequent foreign spend adds up quickly.
Other options to compare
bunq
DBS Visa Debit Card