Grow with Business Cards

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.

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.

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.

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.

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.

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.

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.

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).

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.