During the transition, you can use bunq cards and Spend Cloud Cards side by side temporarily. This way, you can migrate at your own pace without disrupting ongoing payment processes. In the
DIRK article, you can read exactly how this works, where expenses are debited, and what your administration should pay attention to, including bank books and suspense accounts.
Replace bunq cards in just a few clicks
Since April 15, 2026, you can easily replace existing bunq cards with Spend Cloud Cards via the new 'migrate bunq cards' functionality in the Spend Cloud. The new card is automatically ordered and shipped, including the transfer of settings such as limits and the link to the correct book. The bunq card is only definitively blocked once the new card has been activated. This way, payments continue uninterrupted. A step-by-step explanation is available in
DIRK.
Coming soon: IBAN account within the Spend Cloud
We're working on the introduction of an IBAN account within the Spend Cloud. At the moment, the Spend Cloud works with a balance account; in the future, you'll also have a full bank account within the platform. This brings several clear benefits:
The expected rollout is Q4 2026. As soon as this applies to your environment, you'll receive a personal message about it.