bunq Kids Credit Card Comparison: Costs, Features and Alternatives!

Since December 23, 2022, you can open a bunq account for your child and manage it via the bunq app as a parent. This way, your child learns how to handle money while you retain control. There is no minimum age requirement for opening an account, but your child should have their own email address and phone number.

In our bunq test, you will learn more about the functionality and advantages of the kids credit card.

The bunq card for children offers the following benefits:

Not only the features are important, but also the question: from what age does a bunq account make sense?

bunq prepaid credit cards come with monthly account management fees. Depending on the selected plan (see overview below), prices and features vary. Since the restructuring, the plans are named as follows:

⇨ bunq Free: Free, limited functionality
⇨ bunq Core (formerly Easy Bank): €3.99/month
⇨ bunq Pro (formerly Easy Money): €8.99/month
⇨ bunq Elite (formerly Easy Green): €18.99/month

For the first 30 days, you can test all plans free of charge. This allows you and your child to decide risk-free which model best suits your needs.

The bunq app offers extensive features to help you monitor your child’s spending: set individual limits and daily or weekly budgets; instantly block and unblock the card in case of loss; restrict certain spending categories (e.g., online games); use the location/geoblocking feature to allow payments only in pre-approved regions.

There are several ways to deposit money at bunq. You can top up the kids card via bank transfer or with cash deposits using Paysafecash. Cash can be deposited at participating retailers such as REWE, Penny, and dm. Here’s how cash deposits work in the bunq app:

Cash withdrawals are possible with the bunq kids card. The process is similar to deposits. At the above-mentioned partner stores, your child can withdraw money. Depending on the plan, the following rules apply:

Note: Additional ATM operator fees may apply, which are beyond bunq’s control.

Applying for a bunq credit card is quick and straightforward. First, download the bunq app and register. You’ll need a European address and your ID or passport. Once you open an account, you can generate a virtual card in the app and order a physical card online.
If you already have a bunq account, follow these steps to set up access for your child:

Note: If your last name differs from your child’s, you must provide legal guardianship proof (birth certificate or equivalent).

You can link your child’s bunq card to Apple or Google Pay, enabling quick and easy smartphone payments. To connect:

Here’s a summary of the current subscription options (as of September 2025):

With the bunq savings account, children and parents save flexibly directly in the app – interest is credited weekly (compound effect). Current EUR rates are ~2.01% p.a.; depending on time frame/country, bunq may apply tiered base/bonus rates. Deposits are protected up to €100,000 under the Dutch deposit guarantee scheme.

bunq holds a banking license issued by the Dutch Central Bank. Deposits are protected up to €100,000. The bunq app also includes modern security features such as encryption and authentication to protect data and transactions. All German customers receive a German IBAN, ensuring smooth acceptance for payments.

bunq’s support can be reached via email and live chat. In emergencies such as fraud or hacking, you can also contact the SOS hotline. Customer service is available 24/7.

To close your bunq account within minutes, follow these steps:

bunq B.V. was founded in 2012 by Ali Niknam in the Netherlands. Two years later, it received an official banking license from the Dutch Central Bank. Since then, the fintech has expanded into 30 European countries and has been active in Germany since 2017. bunq is also the first bank to offer a fully open banking API.

In short: yes – for digitally savvy families. If you want real-time parental control, Apple/Google Pay, flexible sub-accounts, and clear budgeting & security rules, the bunq kids card is a strong choice. It is especially useful if your child pays digitally on a regular basis, while you actively manage limits and prefer a modern app.

Less suitable if you expect zero ongoing costs, frequent cash withdrawals, or a traditional branch bank. In this case, lower-priced alternatives with different strengths (e.g., more pedagogical apps or card-free models) may be better.

⇨ Check which card best fits your child – now compare kids credit cards on Paylobby!