bunq Free Prepaid Mastercard
Virtual prepaid Mastercard on a balance basis – without Schufa.
Score: 7.8 / 10 · Good
Rating: 8.0 / 10 · No reviews yet
Best for: Online shopping & budget control
Overview
The bunq Free Prepaid Mastercard is a prepaid card from bunq on the Mastercard network. Virtual prepaid Mastercard on a balance basis – without Schufa. It comes with no annual fee on a permanent basis. A surcharge of 0.5 % applies to payments in foreign currency.
Who is it for?
The card is particularly suited to online shopping & budget control. Its strengths lie in mobile payments. It is issued with a German IBAN. As a prepaid card only pre-loaded balance is available — ideal for keeping spending under control.
How the score is calculated
Overall score: 7.8 / 10 · Good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 6.7 / 10 |
| Cash worldwide (14 %) | 4.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Balance-based – no Schufa check
- Virtual card for online payments
- German IBAN
- Apple Pay / Google Pay
Costs & Fees
| Annual fee | 0 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Prepaid |
| Network | Mastercard |
| Issuer | bunq |
There is no annual fee. Outside the euro area a 0.5 % foreign currency fee applies. Billing: Payment on a prepaid balance basis (top-up required in advance).
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Prepaid Credit Cards Without Schufa · Mastercard Credit Cards Compared · Credit Cards Without SCHUFA Compared
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Frequently asked questions
- What does the bunq Free Prepaid Mastercard cost per year?
- The bunq Free Prepaid Mastercard has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the bunq Free Prepaid Mastercard charge foreign currency fees?
- Yes. Outside the euro area the bunq Free Prepaid Mastercard charges a 0.5 % foreign currency fee.
- Is the bunq Free Prepaid Mastercard a genuine credit card?
- The bunq Free Prepaid Mastercard is a prepaid card and works on a balance basis.
- Is the bunq Free Prepaid Mastercard available without SCHUFA?
- Yes, the bunq Free Prepaid Mastercard can generally be obtained without a classic SCHUFA credit check or without a negative SCHUFA record. The provider's terms always apply.
- How is money on the bunq Free Prepaid Mastercard protected?
- Statutory deposit guarantee Netherlands (Depositogarantiestelsel, DGS), up to €100,000 per customer. bunq B.V. holds a full banking licence from De Nederlandsche Bank (DNB).