Grow with Business Cards

Unlimited Cashback, expense management & exclusive discounts. Every day is a win with bunq business cards.

A colorful debit card with a rainbow design and a black credit card, stacked at an angle against a white background.

Grow with Business Cards

Unlimited Cashback, expense management & exclusive discounts. Every day is a win with bunq business cards.

A colorful debit card with a rainbow design and a black credit card, stacked at an angle against a white background.

Grow with Business Cards

Unlimited Cashback, expense management & exclusive discounts. Every day is a win with bunq business cards.

A colorful debit card with a rainbow design and a black credit card, stacked at an angle against a white background.
  • Reuters logo in white on a light gray background, featuring the circular dotted emblem and the text “REUTERS”.
  • Reuters logo in white on a light gray background, featuring the circular dotted emblem and the text “REUTERS”.
  • Reuters logo in white on a light gray background, featuring the circular dotted emblem and the text “REUTERS”.

Cards designed to cover all your business needs

Icon of a wallet in orange and black, symbolizing finance or digital payments.

Up to 1% Cashback

Earn every time you spend.

User icon in blue on a dark background, representing a generic profile or account.

Cards for your team

Physical & digital employee cards.

Icon featuring three currency symbols (dollar, euro, pound) against a dark circular background.

Pay in foreign currencies

ZeroFX conversion with no limits.

Black circular icon featuring an orange stylized sandwich graphic in the center.

Digital wallets

Add cards to Google & Apple pay.

A circular icon featuring a pink credit card with a checkmark against a dark background.

Spend Management

Keep control as your business grows.

Green stacked layer icon inside a dark circle, symbolizing features, account tiers, or layered services.

Secondary Pin

Link one card to 2 bank accounts.

Cards designed to cover all your business needs

Icon of a wallet in orange and black, symbolizing finance or digital payments.

Up to 1% Cashback

Earn every time you spend.

User icon in blue on a dark background, representing a generic profile or account.

Cards for your team

Physical & digital employee cards.

Icon featuring three currency symbols (dollar, euro, pound) against a dark circular background.

Pay in foreign currencies

ZeroFX conversion with no limits.

Black circular icon featuring an orange stylized sandwich graphic in the center.

Digital wallets

Add cards to Google & Apple pay.

A circular icon featuring a pink credit card with a checkmark against a dark background.

Spend Management

Keep control as your business grows.

Green stacked layer icon inside a dark circle, symbolizing features, account tiers, or layered services.

Secondary Pin

Link one card to 2 bank accounts.

Cards designed to cover all your business needs

Icon of a wallet in orange and black, symbolizing finance or digital payments.

Up to 1% Cashback

Earn every time you spend.

User icon in blue on a dark background, representing a generic profile or account.

Cards for your team

Physical & digital employee cards.

Icon featuring three currency symbols (dollar, euro, pound) against a dark circular background.

Pay in foreign currencies

ZeroFX conversion with no limits.

Black circular icon featuring an orange stylized sandwich graphic in the center.

Digital wallets

Add cards to Google & Apple pay.

A circular icon featuring a pink credit card with a checkmark against a dark background.

Spend Management

Keep control as your business grows.

Green stacked layer icon inside a dark circle, symbolizing features, account tiers, or layered services.

Secondary Pin

Link one card to 2 bank accounts.

Always a perfect fit

Credit Card

Spend with all the benefits of credit, without the risk of debt.

Metal Card

Crafted from stainless steel, make a statement and pay in style with the Metal Card.

Debit Card

Spend at merchant sites with Business Debit Cards when needed.

Virtual Cards

Instantly create virtual cards in the app and use them for any purpose.

Always a perfect fit

Credit Card

Spend with all the benefits of credit, without the risk of debt.

Metal Card

Crafted from stainless steel, make a statement and pay in style with the Metal Card.

Debit Card

Spend at merchant sites with Business Debit Cards when needed.

Virtual Cards

Instantly create virtual cards in the app and use them for any purpose.

Always a perfect fit

Credit Card

Spend with all the benefits of credit, without the risk of debt.

Metal Card

Crafted from stainless steel, make a statement and pay in style with the Metal Card.

Debit Card

Spend at merchant sites with Business Debit Cards when needed.

Virtual Cards

Instantly create virtual cards in the app and use them for any purpose.

Cashback summary card showing amounts earned individually and through employees.

Packed with Perks

Get up to 1% Cashback on all your credit card expenses, paid out weekly, while enjoying ZeroFX rates when you pay abroad. Plus, every expense earns you bunq Points that you can redeem for exclusive rewards right in the app.

Cashback summary card showing amounts earned individually and through employees.

Packed with Perks

Get up to 1% Cashback on all your credit card expenses, paid out weekly, while enjoying ZeroFX rates when you pay abroad. Plus, every expense earns you bunq Points that you can redeem for exclusive rewards right in the app.

Cashback summary card showing amounts earned individually and through employees.

Packed with Perks

Get up to 1% Cashback on all your credit card expenses, paid out weekly, while enjoying ZeroFX rates when you pay abroad. Plus, every expense earns you bunq Points that you can redeem for exclusive rewards right in the app.

A graphic showing two financial categories: Personal €2,495 and Business €14,362 with respective labels.

Earn up to 1% Cashback, even on personal expenses

Earn Cashback on every expense—business or personal. Link your Business Credit Card to any account and get rewarded with every payment.

A graphic showing two financial categories: Personal €2,495 and Business €14,362 with respective labels.

Earn up to 1% Cashback, even on personal expenses

Earn Cashback on every expense—business or personal. Link your Business Credit Card to any account and get rewarded with every payment.

A graphic showing two financial categories: Personal €2,495 and Business €14,362 with respective labels.

Earn up to 1% Cashback, even on personal expenses

Earn Cashback on every expense—business or personal. Link your Business Credit Card to any account and get rewarded with every payment.

A hand holds a colorful credit card, with a blue bird flying nearby, against a circular bright background.

Travel with your Business Card

Enjoy peace of mind with a free travel insurance in the bunq Elite Business plan. You also get 4x2GB eSim data every year to stay connected when abroad.

A hand holds a colorful credit card, with a blue bird flying nearby, against a circular bright background.

Travel with your Business Card

Enjoy peace of mind with a free travel insurance in the bunq Elite Business plan. You also get 4x2GB eSim data every year to stay connected when abroad.

A hand holds a colorful credit card, with a blue bird flying nearby, against a circular bright background.

Travel with your Business Card

Enjoy peace of mind with a free travel insurance in the bunq Elite Business plan. You also get 4x2GB eSim data every year to stay connected when abroad.

A smartphone displays colorful icons representing various apps and services, set against a circular background.

Finance automations for every expense

Real time expense sharing with your bookkeeping software to keep business finances up to date, no manual updates needed.

A smartphone displays colorful icons representing various apps and services, set against a circular background.

Finance automations for every expense

Real time expense sharing with your bookkeeping software to keep business finances up to date, no manual updates needed.

A smartphone displays colorful icons representing various apps and services, set against a circular background.

Finance automations for every expense

Real time expense sharing with your bookkeeping software to keep business finances up to date, no manual updates needed.

List of rewards for bunq points: 1 month of current plan (5,000 points), 3 months of bunq pack (15,000 points), and 3 months of your plan (15,000 points), with colorful icons for each tier.

Earn rewards with bunq Points

Collect bunq Points to unlock free months, exclusive perks, and rewards you’ll love! Redeem them for a Metal Card, free months of bunq, or extra data on eSIM.

List of rewards for bunq points: 1 month of current plan (5,000 points), 3 months of bunq pack (15,000 points), and 3 months of your plan (15,000 points), with colorful icons for each tier.

Earn rewards with bunq Points

Collect bunq Points to unlock free months, exclusive perks, and rewards you’ll love! Redeem them for a Metal Card, free months of bunq, or extra data on eSIM.

List of rewards for bunq points: 1 month of current plan (5,000 points), 3 months of bunq pack (15,000 points), and 3 months of your plan (15,000 points), with colorful icons for each tier.

Earn rewards with bunq Points

Collect bunq Points to unlock free months, exclusive perks, and rewards you’ll love! Redeem them for a Metal Card, free months of bunq, or extra data on eSIM.

Split view of personal and business account balances showing €2,475.32 in the Personal account and €14,362.86 in the Business account with a green percentage icon above.

Save on personal plans with your business plan

Enjoy exclusive savings on your personal plan when you bank with bunq business. As a bunq Elite Business user, you’ll receive 50% off your personal plan, while bunq Pro Business users enjoy a 20% discount.

Split view of personal and business account balances showing €2,475.32 in the Personal account and €14,362.86 in the Business account with a green percentage icon above.

Save on personal plans with your business plan

Enjoy exclusive savings on your personal plan when you bank with bunq business. As a bunq Elite Business user, you’ll receive 50% off your personal plan, while bunq Pro Business users enjoy a 20% discount.

Split view of personal and business account balances showing €2,475.32 in the Personal account and €14,362.86 in the Business account with a green percentage icon above.

Save on personal plans with your business plan

Enjoy exclusive savings on your personal plan when you bank with bunq business. As a bunq Elite Business user, you’ll receive 50% off your personal plan, while bunq Pro Business users enjoy a 20% discount.

Trusted by millions of users

A yellow and black shield icon featuring a dollar sign, symbolizing financial security or protection.

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Green circular logo featuring a simplified illustration of two stacked containers with arrows indicating movement.

Card Payment Refunds

Your money is protected if something doesn't go as planned.

A purple circle with a bright pink checkmark in the center, symbolizing approval or completion.

Instant Payments

Send and receive money instantly, no waiting.

A blue speech bubble icon with a question mark in the center, set against a dark background.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

A yellow and black shield icon featuring a dollar sign, symbolizing financial security or protection.

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Green circular logo featuring a simplified illustration of two stacked containers with arrows indicating movement.

Card Payment Refunds

Your money is protected if something doesn't go as planned.

A purple circle with a bright pink checkmark in the center, symbolizing approval or completion.

Instant Payments

Send and receive money instantly, no waiting.

A blue speech bubble icon with a question mark in the center, set against a dark background.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

A yellow and black shield icon featuring a dollar sign, symbolizing financial security or protection.

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Green circular logo featuring a simplified illustration of two stacked containers with arrows indicating movement.

Card Payment Refunds

Your money is protected if something doesn't go as planned.

A purple circle with a bright pink checkmark in the center, symbolizing approval or completion.

Instant Payments

Send and receive money instantly, no waiting.

A blue speech bubble icon with a question mark in the center, set against a dark background.

24/7 support

Instant help in your language, whenever you need it.

  • Reuters logo in white on a light gray background, featuring the circular dotted emblem and the text “REUTERS”.
  • Reuters logo in white on a light gray background, featuring the circular dotted emblem and the text “REUTERS”.
  • Reuters logo in white on a light gray background, featuring the circular dotted emblem and the text “REUTERS”.

Choose your plan

Try it free for 30 days, no strings attached.

Simple blue diamond icon on a dark background, symbolizing premium or high-value service.

bunq Free Business

Free for Sole Proprietors

The business bank account that gets you started.

Green diamond with a sparkle on the top-right, representing premium or elite status feature.

bunq Core Business

€7.99/month

Everything you need to run your business.

Dark blue diamond icon with two sparkles, indicating an upgraded or polished premium feature.

bunq Pro Business

€13.99/month

Everything you need to scale your business.

Magenta diamond icon with multiple sparkles, conveying luxury or excellence.

bunq Elite Business

€23.99/month

Next level banking for your international business.

Choose your plan

Try it free for 30 days, no strings attached.

Simple blue diamond icon on a dark background, symbolizing premium or high-value service.

bunq Free Business

Free for Sole Proprietors

The business bank account that gets you started.

Green diamond with a sparkle on the top-right, representing premium or elite status feature.

bunq Core Business

€7.99/month

Everything you need to run your business.

Dark blue diamond icon with two sparkles, indicating an upgraded or polished premium feature.

bunq Pro Business

€13.99/month

Everything you need to scale your business.

Magenta diamond icon with multiple sparkles, conveying luxury or excellence.

bunq Elite Business

€23.99/month

Next level banking for your international business.

Choose your plan

Try it free for 30 days, no strings attached.

Simple blue diamond icon on a dark background, symbolizing premium or high-value service.

bunq Free Business

Free for Sole Proprietors

The business bank account that gets you started.

Green diamond with a sparkle on the top-right, representing premium or elite status feature.

bunq Core Business

€7.99/month

Everything you need to run your business.

Dark blue diamond icon with two sparkles, indicating an upgraded or polished premium feature.

bunq Pro Business

€13.99/month

Everything you need to scale your business.

Magenta diamond icon with multiple sparkles, conveying luxury or excellence.

bunq Elite Business

€23.99/month

Next level banking for your international business.

Frequently Asked Questions

How do I get a bunq Business Credit Card?

Ensure that you meet the eligibility criteria for a business credit card. This typically includes being a registered business and having a bunq business account.

To order a new card, follow these steps:

  1. Go to the 🏠 Home tab

  2. Tap on 🟣 Add.

  3. Tap on 🔵 Add Card.

  4. Choose your card of preference and follow the flow.

What Cards do you offer?

Credit Card: The business credit card is designed for business users and offers benefits such as extended merchant acceptance and eligibility for Cashback. It is recognized as a credit card by merchants, ensuring optimal acceptance both online and globally. Users can load money onto the card and use it without the risk of going into debt.

Debit Card: The business debit card is linked to the business's monetary accounts and can be used for payments and budgeting without the burden of debt. It is designed to provide a seamless payment experience for business users.

Metal Card: The Metal Credit Card is a premium offering made from 100% stainless steel, providing a stylish and durable payment option. It is available to bunq Pro and bunq Elite users for a one-time fee of €99.99. The card functions as a real credit card, ensuring optimal acceptance both online and globally.

Virtual Card: Virtual credit cards can be added to business accounts and are designed for online transactions. They provide a secure way to make payments without the need for a physical card. Virtual cards can be created and managed easily through the bunq app. Source: [bunq web] Virtual credit card added to business account is not a business card

Employee Cards: Employee cards are designed for businesses to provide their employees with access to company funds. These cards can be managed by the business owner, who can set spending limits and track expenses. Employee cards can be either physical or virtual, and they help streamline expense management for businesses.

How do I earn 1% Cashback?

Plan Requirements:

  • bunq Pro Business: This plan includes 1% Cashback on business expenses.

  • bunq Elite Business: This plan also includes 1% Cashback on business expenses, plus additional benefits like 2 Cashback friends.

Card usage: The business must use their bunq business credit cards for expenses to earn the Cashback. This includes both physical and virtual credit cards provided under the Pro and Elite plans.

Employee Cards: All perks, including the 1% cashback, are also given on employee cards under the Pro and Elite plans.

Additional benefits include bunq points, where bunq Pro users earn 1 bunq point per Euro spent and Elite users receive 2 bunq points per Euro spent. Points can be exchanged to buy free months of your plan, metal cards, access discounts and more.

What will my credit limit be?

A prepaid credit card does not have a credit limit because it is not a traditional credit card with a line of credit. Instead, you need to load money onto the card before you can use it for payments. The amount you can spend is limited to the balance you have loaded onto the card.

Do the Credit Cards have any fees?

You won't be charged for ordering or keeping a card when staying in the limits of your plan. Besides that, you might incur fees when:

  • Ordering a Metal Credit Card: The Metal Credit Card is available to all verified bunq Pro and bunq Elite users. It costs a one-time fee of €99.99.

  • Additional Physical Cards: For bunq Core, you can have 1 physical card for free. Additional cards cost €9.99 each. For bunq Pro and bunq Elite, you can have 3 physical cards for free. Additional cards cost €9.99 each. If you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card.

What are virtual cards?

Virtual business cards are digital cards that can be used for online transactions instead of physical cards. They offer several benefits, including enhanced security and convenience. Here are some key points about virtual business cards:

  1. Security: Virtual cards are safer than physical cards because you can delete and recreate them in seconds if your card details are compromised.

  2. Convenience: Virtual cards can be quickly created whenever needed and can be added to digital wallets like Apple Pay and Google Pay for easy use.

  3. Usage: They are ideal for online shopping and can be used to ensure that the card details of your physical card are never compromised. This makes them a great option for when you’re not sure if you can trust the merchant.

  4. Business benefits: For business users, both physical and virtual cards can be used to manage employee expenses, track spending, and integrate with bookkeeping software. They can also be linked to specific sub-accounts for better budgeting and control.

  5. Plans: Different bunq business plans offer varying numbers of virtual cards. For example, the bunq Pro & Elite Business plans includes 25 virtual cards, while the bunq Core & Free Business plans include 1 virtual card.

Can I set spend controls on employee cards?

Yes, you can set spend controls on employee cards. As a business owner, you have the ability to set monthly limits on the cards and change them as needed. Additionally, you can block or unblock cards to maintain control over employee spending. This feature is part of the employee expense management solution offered to bunq Pro Business and bunq Elite Business users.

How many physical cards can I have?

The number of physical cards a business can have depends on their plan. Here are the details:

  1. bunq Core Business: 1 physical card is included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card.

  2. bunq Pro Business: 3 physical cards are included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card. 3 Employee cards are included for free. Additional employee cards cost €9.99 one-off (only if they choose a physical card) + €3.49 per month per employee (virtual or physical).

  3. bunq Elite Business: 3 physical cards are included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card. 10 Employee cards are included for free. Additional employee cards cost €9.99 one-off (only if they choose a physical card) + €3.49 per month per employee (virtual or physical).

How does ZeroFX work?

ZeroFX is a feature offered by bunq that allows users to save money when spending abroad by avoiding the typical foreign exchange fees charged by traditional banks. Here’s how it works:

  1. No Fixed Fee for Spending Abroad: Instead of having a fixed fee of 1.5% on top of your payment, bunq uses the Mastercard exchange rate + 0.5% currency fluctuation at the moment the payment is confirmed by the merchant. This means you get the best possible rate without additional fees.

  2. Opt for Local Currency: To activate ZeroFX, you need to choose the local currency when paying or withdrawing from an ATM abroad. This ensures that the transaction is processed using the current exchange rate without additional fees.

  3. Threshold for Free Usage: For bunq Free users, ZeroFX is applied to payments below a €1000 threshold. If the payment exceeds this limit, ZeroFX is not applied to the amount above the threshold and the user will be charged an additional 1% conversion fee.

  4. Monthly Savings Summary: Users can see the total amount saved with ZeroFX in the app, which can be a significant amount over time, especially for frequent travelers.

Frequently Asked Questions

How do I get a bunq Business Credit Card?

Ensure that you meet the eligibility criteria for a business credit card. This typically includes being a registered business and having a bunq business account.

To order a new card, follow these steps:

  1. Go to the 🏠 Home tab

  2. Tap on 🟣 Add.

  3. Tap on 🔵 Add Card.

  4. Choose your card of preference and follow the flow.

What Cards do you offer?

Credit Card: The business credit card is designed for business users and offers benefits such as extended merchant acceptance and eligibility for Cashback. It is recognized as a credit card by merchants, ensuring optimal acceptance both online and globally. Users can load money onto the card and use it without the risk of going into debt.

Debit Card: The business debit card is linked to the business's monetary accounts and can be used for payments and budgeting without the burden of debt. It is designed to provide a seamless payment experience for business users.

Metal Card: The Metal Credit Card is a premium offering made from 100% stainless steel, providing a stylish and durable payment option. It is available to bunq Pro and bunq Elite users for a one-time fee of €99.99. The card functions as a real credit card, ensuring optimal acceptance both online and globally.

Virtual Card: Virtual credit cards can be added to business accounts and are designed for online transactions. They provide a secure way to make payments without the need for a physical card. Virtual cards can be created and managed easily through the bunq app. Source: [bunq web] Virtual credit card added to business account is not a business card

Employee Cards: Employee cards are designed for businesses to provide their employees with access to company funds. These cards can be managed by the business owner, who can set spending limits and track expenses. Employee cards can be either physical or virtual, and they help streamline expense management for businesses.

How do I earn 1% Cashback?

Plan Requirements:

  • bunq Pro Business: This plan includes 1% Cashback on business expenses.

  • bunq Elite Business: This plan also includes 1% Cashback on business expenses, plus additional benefits like 2 Cashback friends.

Card usage: The business must use their bunq business credit cards for expenses to earn the Cashback. This includes both physical and virtual credit cards provided under the Pro and Elite plans.

Employee Cards: All perks, including the 1% cashback, are also given on employee cards under the Pro and Elite plans.

Additional benefits include bunq points, where bunq Pro users earn 1 bunq point per Euro spent and Elite users receive 2 bunq points per Euro spent. Points can be exchanged to buy free months of your plan, metal cards, access discounts and more.

What will my credit limit be?

A prepaid credit card does not have a credit limit because it is not a traditional credit card with a line of credit. Instead, you need to load money onto the card before you can use it for payments. The amount you can spend is limited to the balance you have loaded onto the card.

Do the Credit Cards have any fees?

You won't be charged for ordering or keeping a card when staying in the limits of your plan. Besides that, you might incur fees when:

  • Ordering a Metal Credit Card: The Metal Credit Card is available to all verified bunq Pro and bunq Elite users. It costs a one-time fee of €99.99.

  • Additional Physical Cards: For bunq Core, you can have 1 physical card for free. Additional cards cost €9.99 each. For bunq Pro and bunq Elite, you can have 3 physical cards for free. Additional cards cost €9.99 each. If you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card.

What are virtual cards?

Virtual business cards are digital cards that can be used for online transactions instead of physical cards. They offer several benefits, including enhanced security and convenience. Here are some key points about virtual business cards:

  1. Security: Virtual cards are safer than physical cards because you can delete and recreate them in seconds if your card details are compromised.

  2. Convenience: Virtual cards can be quickly created whenever needed and can be added to digital wallets like Apple Pay and Google Pay for easy use.

  3. Usage: They are ideal for online shopping and can be used to ensure that the card details of your physical card are never compromised. This makes them a great option for when you’re not sure if you can trust the merchant.

  4. Business benefits: For business users, both physical and virtual cards can be used to manage employee expenses, track spending, and integrate with bookkeeping software. They can also be linked to specific sub-accounts for better budgeting and control.

  5. Plans: Different bunq business plans offer varying numbers of virtual cards. For example, the bunq Pro & Elite Business plans includes 25 virtual cards, while the bunq Core & Free Business plans include 1 virtual card.

Can I set spend controls on employee cards?

Yes, you can set spend controls on employee cards. As a business owner, you have the ability to set monthly limits on the cards and change them as needed. Additionally, you can block or unblock cards to maintain control over employee spending. This feature is part of the employee expense management solution offered to bunq Pro Business and bunq Elite Business users.

How many physical cards can I have?

The number of physical cards a business can have depends on their plan. Here are the details:

  1. bunq Core Business: 1 physical card is included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card.

  2. bunq Pro Business: 3 physical cards are included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card. 3 Employee cards are included for free. Additional employee cards cost €9.99 one-off (only if they choose a physical card) + €3.49 per month per employee (virtual or physical).

  3. bunq Elite Business: 3 physical cards are included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card. 10 Employee cards are included for free. Additional employee cards cost €9.99 one-off (only if they choose a physical card) + €3.49 per month per employee (virtual or physical).

How does ZeroFX work?

ZeroFX is a feature offered by bunq that allows users to save money when spending abroad by avoiding the typical foreign exchange fees charged by traditional banks. Here’s how it works:

  1. No Fixed Fee for Spending Abroad: Instead of having a fixed fee of 1.5% on top of your payment, bunq uses the Mastercard exchange rate + 0.5% currency fluctuation at the moment the payment is confirmed by the merchant. This means you get the best possible rate without additional fees.

  2. Opt for Local Currency: To activate ZeroFX, you need to choose the local currency when paying or withdrawing from an ATM abroad. This ensures that the transaction is processed using the current exchange rate without additional fees.

  3. Threshold for Free Usage: For bunq Free users, ZeroFX is applied to payments below a €1000 threshold. If the payment exceeds this limit, ZeroFX is not applied to the amount above the threshold and the user will be charged an additional 1% conversion fee.

  4. Monthly Savings Summary: Users can see the total amount saved with ZeroFX in the app, which can be a significant amount over time, especially for frequent travelers.

Frequently Asked Questions

How do I get a bunq Business Credit Card?

Ensure that you meet the eligibility criteria for a business credit card. This typically includes being a registered business and having a bunq business account.

To order a new card, follow these steps:

  1. Go to the 🏠 Home tab

  2. Tap on 🟣 Add.

  3. Tap on 🔵 Add Card.

  4. Choose your card of preference and follow the flow.

What Cards do you offer?

Credit Card: The business credit card is designed for business users and offers benefits such as extended merchant acceptance and eligibility for Cashback. It is recognized as a credit card by merchants, ensuring optimal acceptance both online and globally. Users can load money onto the card and use it without the risk of going into debt.

Debit Card: The business debit card is linked to the business's monetary accounts and can be used for payments and budgeting without the burden of debt. It is designed to provide a seamless payment experience for business users.

Metal Card: The Metal Credit Card is a premium offering made from 100% stainless steel, providing a stylish and durable payment option. It is available to bunq Pro and bunq Elite users for a one-time fee of €99.99. The card functions as a real credit card, ensuring optimal acceptance both online and globally.

Virtual Card: Virtual credit cards can be added to business accounts and are designed for online transactions. They provide a secure way to make payments without the need for a physical card. Virtual cards can be created and managed easily through the bunq app. Source: [bunq web] Virtual credit card added to business account is not a business card

Employee Cards: Employee cards are designed for businesses to provide their employees with access to company funds. These cards can be managed by the business owner, who can set spending limits and track expenses. Employee cards can be either physical or virtual, and they help streamline expense management for businesses.

How do I earn 1% Cashback?

Plan Requirements:

  • bunq Pro Business: This plan includes 1% Cashback on business expenses.

  • bunq Elite Business: This plan also includes 1% Cashback on business expenses, plus additional benefits like 2 Cashback friends.

Card usage: The business must use their bunq business credit cards for expenses to earn the Cashback. This includes both physical and virtual credit cards provided under the Pro and Elite plans.

Employee Cards: All perks, including the 1% cashback, are also given on employee cards under the Pro and Elite plans.

Additional benefits include bunq points, where bunq Pro users earn 1 bunq point per Euro spent and Elite users receive 2 bunq points per Euro spent. Points can be exchanged to buy free months of your plan, metal cards, access discounts and more.

What will my credit limit be?

A prepaid credit card does not have a credit limit because it is not a traditional credit card with a line of credit. Instead, you need to load money onto the card before you can use it for payments. The amount you can spend is limited to the balance you have loaded onto the card.

Do the Credit Cards have any fees?

You won't be charged for ordering or keeping a card when staying in the limits of your plan. Besides that, you might incur fees when:

  • Ordering a Metal Credit Card: The Metal Credit Card is available to all verified bunq Pro and bunq Elite users. It costs a one-time fee of €99.99.

  • Additional Physical Cards: For bunq Core, you can have 1 physical card for free. Additional cards cost €9.99 each. For bunq Pro and bunq Elite, you can have 3 physical cards for free. Additional cards cost €9.99 each. If you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card.

What are virtual cards?

Virtual business cards are digital cards that can be used for online transactions instead of physical cards. They offer several benefits, including enhanced security and convenience. Here are some key points about virtual business cards:

  1. Security: Virtual cards are safer than physical cards because you can delete and recreate them in seconds if your card details are compromised.

  2. Convenience: Virtual cards can be quickly created whenever needed and can be added to digital wallets like Apple Pay and Google Pay for easy use.

  3. Usage: They are ideal for online shopping and can be used to ensure that the card details of your physical card are never compromised. This makes them a great option for when you’re not sure if you can trust the merchant.

  4. Business benefits: For business users, both physical and virtual cards can be used to manage employee expenses, track spending, and integrate with bookkeeping software. They can also be linked to specific sub-accounts for better budgeting and control.

  5. Plans: Different bunq business plans offer varying numbers of virtual cards. For example, the bunq Pro & Elite Business plans includes 25 virtual cards, while the bunq Core & Free Business plans include 1 virtual card.

Can I set spend controls on employee cards?

Yes, you can set spend controls on employee cards. As a business owner, you have the ability to set monthly limits on the cards and change them as needed. Additionally, you can block or unblock cards to maintain control over employee spending. This feature is part of the employee expense management solution offered to bunq Pro Business and bunq Elite Business users.

How many physical cards can I have?

The number of physical cards a business can have depends on their plan. Here are the details:

  1. bunq Core Business: 1 physical card is included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card.

  2. bunq Pro Business: 3 physical cards are included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card. 3 Employee cards are included for free. Additional employee cards cost €9.99 one-off (only if they choose a physical card) + €3.49 per month per employee (virtual or physical).

  3. bunq Elite Business: 3 physical cards are included for free. Additional physical cards cost €9.99 to order, and if you have more active physical cards than your plan allows, you'll be charged a monthly fee of €3.45 for each extra card. 10 Employee cards are included for free. Additional employee cards cost €9.99 one-off (only if they choose a physical card) + €3.49 per month per employee (virtual or physical).

How does ZeroFX work?

ZeroFX is a feature offered by bunq that allows users to save money when spending abroad by avoiding the typical foreign exchange fees charged by traditional banks. Here’s how it works:

  1. No Fixed Fee for Spending Abroad: Instead of having a fixed fee of 1.5% on top of your payment, bunq uses the Mastercard exchange rate + 0.5% currency fluctuation at the moment the payment is confirmed by the merchant. This means you get the best possible rate without additional fees.

  2. Opt for Local Currency: To activate ZeroFX, you need to choose the local currency when paying or withdrawing from an ATM abroad. This ensures that the transaction is processed using the current exchange rate without additional fees.

  3. Threshold for Free Usage: For bunq Free users, ZeroFX is applied to payments below a €1000 threshold. If the payment exceeds this limit, ZeroFX is not applied to the amount above the threshold and the user will be charged an additional 1% conversion fee.

  4. Monthly Savings Summary: Users can see the total amount saved with ZeroFX in the app, which can be a significant amount over time, especially for frequent travelers.

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Keep Exploring bunq Business

Two colorful credit cards are displayed with a digital interface showing balance and transaction details.

Employee Expense Management

Control company expenses by setting limits, requesting receipts, and more.

Logos of various organizations including DATEV, with a colorful card design in the center.

Business Integrations

Integrate with your accounting tool, E-commerce platform or create custom automations with Zapier.

A colorful card featuring a rainbow design with logos of companies like Google, FedEx, and more around it.

Business Bonus Program

Discounts on top tools and services to help your business grow and succeed.

Keep Exploring bunq Business

Two colorful credit cards are displayed with a digital interface showing balance and transaction details.

Employee Expense Management

Control company expenses by setting limits, requesting receipts, and more.

Logos of various organizations including DATEV, with a colorful card design in the center.

Business Integrations

Integrate with your accounting tool, E-commerce platform or create custom automations with Zapier.

A colorful card featuring a rainbow design with logos of companies like Google, FedEx, and more around it.

Business Bonus Program

Discounts on top tools and services to help your business grow and succeed.

Keep Exploring bunq Business

Two colorful credit cards are displayed with a digital interface showing balance and transaction details.

Employee Expense Management

Control company expenses by setting limits, requesting receipts, and more.

Logos of various organizations including DATEV, with a colorful card design in the center.

Business Integrations

Integrate with your accounting tool, E-commerce platform or create custom automations with Zapier.

A colorful card featuring a rainbow design with logos of companies like Google, FedEx, and more around it.

Business Bonus Program

Discounts on top tools and services to help your business grow and succeed.