About the bunq debit Mastercard

Bunq has stopped issuing Maestro cards and will only offer debit Mastercards. The reason for this change is the phased-out national use of Maestro in the long term. More information about this can be found on the Mastercard website.

About the Debit Mastercard

A debit Mastercard is a debit card that allows you to make both physical payments in stores and online credit card payments. However, it is not a credit card; the money is directly debited from the account.

Online Payments with Debit Mastercard

One advantage of this card is that you can make online payments at webshops that do not offer iDEAL, which is often the case with foreign webshops. The buyer selects the option to pay with a credit card in the webshop.

For managing the rights of online payments with a debit Mastercard, more information can be found here.

To make online payments with a debit Mastercard, the user must have access to the CVC code. This code is not found on the back of the card but in the Spend Cloud, provided the user has the appropriate rights. More information about viewing the CVC code can be found here.

3DS

When making an online purchase with a debit Mastercard, the webshop may choose to use the 3D Secure protocol. This protocol provides extra security for online purchases with debit and credit cards. It protects both the consumer and the merchant by verifying the cardholder's authenticity before completing the payment.

3DS with a debit Mastercard can only be completed through the bunq app. The person with access to the bunq app will need to confirm the payment. This is often the financial administration and/or the organization's executives.

With a Spend Cloud Card, the user can confirm 3DS payments themselves, and intervention from the financial administration is not necessary.

Physical Payments in Stores

Payments in stores are made in the same way as with a Maestro card. The user can pay contactless or with a PIN code.

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