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bunq is a Dutch neobank founded in 2012 and licensed by De Nederlandsche Bank. It offers fully app-based banking with multi-IBAN accounts, sustainable features (tree-planting per spend), and a range of Mastercard prepaid/debit cards across four subscription tiers. Cards are branded as Mastercard Credit for broad merchant acceptance but operate as prepaid instruments — no credit line, no interest, no debt risk.
Full lineup
Everyday banking with a physical Mastercard
Why we like it
Premium global banking with cashback, travel insurance and eSIM
Why we like it
Free digital banking with an instant virtual Mastercard
Why we like it
100% stainless steel Mastercard for Pro and Elite users
Why we like it
Multi-account budgeting with 3 cards and 25 digital cards
Why we like it
