Bunq’s Virtual Credit Card is a modern financial tool designed for secure online transactions. This virtual Mastercard provides a safe way to make purchases on the internet without having to share your physical card’s details. The card is particularly beneficial for Bunq account holders with Easy Money or Easy Green plans, as they receive up to 25 free Virtual Credit Cards, enhancing their online shopping security and convenience​​.

The introduction of the Bunq Virtual Credit Card marks a significant step in digital banking, offering features that cater to the evolving needs of consumers. The card is easily created and managed through the Bunq app, allowing users to maintain control over their financial transactions. One of its key features is the automatic regenerate option, which can refresh the card’s details every five minutes for added security. This feature is particularly useful for protecting against online fraud, as it ensures that card details are constantly changing and less susceptible to unauthorized access​​.

Moreover, the Bunq Virtual Credit Card is compatible with popular digital wallets like Apple Pay and Google Pay, making it convenient for users to integrate it into their existing digital payment systems. This integration simplifies the process of making secure online payments and enhances the overall user experience​​​​.


In addition to its security benefits, the card offers financial flexibility and ease of use, aligning with Bunq’s commitment to providing innovative and user-friendly banking solutions. By offering this virtual card, Bunq addresses a growing demand for secure and convenient online payment methods, reflecting the bank’s dedication to staying at the forefront of digital banking innovation​​.


Benefits of the Bunq Virtual Credit Card

The Bunq Virtual Credit Card offers a range of benefits that cater to the needs of modern consumers, particularly in the realm of online transactions. These benefits are designed to provide enhanced security, convenience, and financial management options. Below is a detailed look at some of the key benefits of the Bunq Virtual Credit Card:


Enhanced Online Security

One of the primary advantages of the Bunq Virtual Credit Card is the enhanced security it offers for online purchases. The card functions as a virtual Mastercard, meaning it doesn’t require users to share their physical card details on the internet. This feature significantly reduces the risk of sensitive information being compromised. The added security is especially beneficial in an age where online fraud and data breaches are increasingly common. By using a virtual card for online transactions, users can shop with greater peace of mind, knowing their financial data is better protected.

Automatic Regeneration of Card Details

The Bunq Virtual Credit Card offers an innovative feature called Automatic regenerate. This option allows the card’s details, such as the CVC code, to automatically refresh at regular intervals, such as every five minutes. This feature provides an additional layer of security. In the event that the card’s details are somehow compromised, the risk is minimized as the details are constantly changing and only valid for a brief period. This dynamic security measure is particularly useful for protecting against fraud and unauthorized transactions.

Integration with Digital Wallets

The card’s compatibility with digital wallets like Apple Pay and Google Pay enhances its convenience and usability. This integration allows users to easily add their Bunq Virtual Credit Card to their existing digital wallet, streamlining the process of making online payments. The seamless integration with popular digital wallets means that users can enjoy the benefits of virtual card transactions while using their preferred payment platforms, making the card an ideal choice for tech-savvy consumers who value convenience in their digital transactions.

Free Access with Certain Plans

For users of Bunq’s Easy Money or Easy Green plans, the Virtual Credit Card is available at no additional cost, with up to 25 free Virtual Credit Cards included. This benefit makes the card an attractive option for those who already use these Bunq plans, as it adds value to their existing banking services without extra charges. The provision of multiple virtual cards allows for greater flexibility and control over different types of online transactions.

Easy Creation and Management

Creating and managing the Virtual Credit Card is straightforward and user-friendly, thanks to the Bunq app. Users can set up and manage their virtual card directly from the app, which simplifies the process and makes it accessible even to those who are not highly tech-savvy. The app’s intuitive interface ensures that users can quickly and easily generate new virtual cards, view their details, and manage their usage, all from their smartphone.

No Added Exchange Rate Fees Abroad

An additional benefit of the Bunq Virtual Credit Card is the absence of added exchange rate fees for transactions in foreign currencies. This feature is particularly beneficial for users who make purchases from international websites or travel frequently. Traditional banks often charge extra fees for foreign currency transactions, but with the Bunq Virtual Credit Card, users can enjoy savings on these transactions. This makes the card an economical choice for global shoppers and travelers.

Prerequisites to Obtain the Bunq Virtual Credit Card

To apply for a Bunq Virtual Credit Card in Ireland, there are several requirements and steps to consider:

  1. Account Type Requirement: The Virtual Credit Cards are available as part of certain Bunq account plans. Specifically, they are included with the Easy Money and Easy Green accounts, offering up to 25 free Virtual Credit Cards for these account holders​​.
  2. Creating a Virtual Credit Card: To create a Virtual Credit Card, users must follow a simple process in the Bunq app. This involves going to the Home Tab, tapping on ‘Add’, selecting ‘Add Card’, choosing ‘Virtual Credit Card’, and then confirming the order of the Virtual Credit Card. This process makes it quick and easy to set up the card directly from the app​​. 

About Bunq Financial Institution

Bunq, a Dutch fintech company founded in 2012 by serial entrepreneur Ali Niknam, aims to revolutionize the banking industry with a user-centric model. Bunq focuses on direct retail banking, offering products like current accounts, payment cards, and a public API for developers. By 2021, it became the first digital bank to offer mortgage loans. Bunq’s expansion across the European Union in 2019 and its largest ever Series A funding round in 2021, valued at €1.6 billion, earned it the status of a unicorn in the fintech industry. 

Who is this Card for?

The Bunq Virtual Credit Card is primarily aimed at tech-savvy individuals who prioritize convenience and security in their financial transactions. It appeals particularly to those who frequently engage in online shopping or digital services, where the risk of financial fraud is higher. This card is also suitable for individuals who value innovative banking solutions, such as integration with digital wallets like Apple Pay and Google Pay.


Step by Step to Apply for the Bunq Virtual Credit Card

To request a Bunq Virtual Credit Card in Ireland, you can follow these steps:

  1. Open a Bunq Account: If you don’t already have one, you’ll need to open a Bunq account. You can start by visiting Bunq’s website or downloading the Bunq app.
  2. Choose a Suitable Plan: The Virtual Credit Cards are available with certain Bunq plans, such as Easy Money or Easy Green. Select the plan that best suits your needs.
  3. Create the Virtual Credit Card
  4. Go to the Home tab in the Bunq app.
  5. Tap the ‘Add’ button.
  6. Select ‘Add Card’.
  7. Choose ‘Virtual Credit Card’.
  8. Tap on ‘Order Virtual Credit Card’.
  9. Confirm the creation of your Virtual Credit Card​​​​.
  10. Download the Bunq App: The entire process is managed through the Bunq mobile app, which is available on both iOS and Android.
  11. Add Card to Digital Wallets: Optionally, you can add your Virtual Credit Card to digital wallets like Apple Pay and Google Pay for seamless digital transactions.

Positives and Negatives of the Card

The Bunq Virtual Credit Card, like any financial product, has its positives and negatives that potential users should consider:


  1. Convenience for Online and In-Person Spending: The card allows for easy online and in-store purchases, similar to other MasterCards.
  2. ATM Withdrawals: Users can withdraw cash at any ATM that accepts MasterCard.
  3. Real-Time Notifications: The app provides instant notifications for all transactions, helping users monitor spending and detect unauthorized usage.
  4. Foreign Transaction Efficiency: Unlike traditional cards, Bunq offers real exchange rates without additional foreign transaction fees.
  5. Card Management: The ability to enable/disable the card through the app adds a layer of security and convenience.


  1. Customer Service: Some users have expressed difficulties in reaching customer service, a common issue with digital banks.
  2. Limited Credit Functionality: The travel card functions more like a prepaid or debit card, which might not suit those who need credit facilities.
  3. Limited Availability: Bunq services are available in a limited number of countries.
  4. No Free Plan Option: Unlike some competitors, Bunq does not offer a free plan, which might be a barrier for those looking to try digital banking without initial costs.

How to Activate the Card?

Activating a Bunq card is straightforward and can be done via the Bunq app:

  1. Open the Bunq app and go to the ‘Home’ section.
  2. Tap on ‘Cards’ and select the card you want to activate.
  3. Tap on ‘Activate Card’.
  4. Choose and confirm your new PIN.

Your card is now active and ready to use. Additionally, for contactless payments, you’ll need to make one transaction using your PIN at a physical terminal, which then automatically enables contactless payments. If you need to deactivate your card temporarily, you can also do this through the app by selecting the card and tapping on ‘Block’, then choosing ‘Block Temporarily’.

For more details, visit bunq’s guide on card activation and deactivation.

Fees and Tariffs

The main costs associated with the Bunq Virtual Credit Card in Ireland are as follows:

Plan Subscription Fees: The Virtual Credit Cards are included in certain Bunq plans, such as the Easy Money or Easy Green accounts. The monthly costs for these plans are:

  • Easy Money: €8.99 per month
  • Easy Green: €17.99 per month for personal use, €22.99 per month for business use
  • Easy Bank: €2.99 per month
  • Easy Savings: Free

Additional Virtual Credit Cards: If the 25 free Virtual Credit Cards provided with the Easy Money or Easy Green plans are insufficient, you can add an extra package of 25 Virtual Credit Cards for €19.99 per month.

Customer Service

To get assistance or contact Bunq regarding their Virtual Credit Card or any other inquiries, you can use the following channels:

  1. Chat Support: Available 24/7 through the support center in the Bunq app.
  2. Email: For any inquiries or support, you can email Bunq at [email protected]. It’s recommended to use the email address connected to your Bunq account.
  3. Online Form: For reporting fraud cases, account hacks, or formal complaints, submitting an online form is the most efficient way. You can find this option on their website.