Card

Cards are an essential part of the bunq experience—and just like everything else, each Card is directly linked to a User.

Every card must be connected to a MonetaryAccount, since that’s where the money comes from (and goes to). A single monetary account can be linked to multiple cards, but each card can only have one primary account. If there aren't enough funds in the primary account, bunq will check the secondary account (if set). If both are empty, the transaction will fail.

Cards also play a key role in 2-factor authentication, using the user’s PIN to authorize payments. These card payments are stored as regular Payment records and can be viewed via: GET /user/{userId}/monetary-account/{monetaryAccountId}/payment

Want to see card-specific transaction details? You’ll need to query the MasterCardAction endpoint: GET /user/{userId}/monetary-account/{monetaryAccountId}/mastercard-action

Example

{
    "Response": [
        {
            "CardDebit": {
                "id": 475280,
                "created": "2025-07-21 09:21:53.715669",
                "updated": "2025-07-21 09:21:53.715669",
                "public_uuid": "c82f6de1-ff18-4f98-944e-d83e31b08c1f",
                "first_line": "",
                "second_line": "",
                "expiry_date": "2029-08-31",
                "status": "DEACTIVATED",
                "sub_status": "NONE",
                "order_status": "NEW_CARD_REQUEST_RECEIVED",
                "type": "MASTERCARD",
                "sub_type": "NONE",
                "product_type": "MASTERCARD_DEBIT",
                "product_sub_type": "NONE",
                "user_id": 2040503,
                "user_owner_id": 2040503,
                "user_holder_id": 2040503,
                "name_on_card": "A. Visser",
                "preferred_name_on_card": null,
                "card_limit": {
                    "currency": "EUR",
                    "value": "1000.00"
                },
                "card_limit_atm": {
                    "currency": "EUR",
                    "value": "1000.00"
                },
                "pin_code_assignment": [
                    {
                        "id": 476550,
                        "created": "2025-07-21 09:21:57.166688",
                        "updated": "2025-07-21 09:21:57.166688",
                        "type": "PRIMARY",
                        "monetary_account_id": 2428053,
                        "status": "ACTIVE",
                        "routing_type": "AUTOMATIC"
                    }
                ],
                "country": "NL",
                "country_permission": [
                    {
                        "country": "AT"
                    },
                    {
                        "country": "BE"
                    },
                    {
                        "country": "BG"
                    },
                    {
                        "country": "HR"
                    },
                    {
                        "country": "CY"
                    },
                    {
                        "country": "CZ"
                    },
                    {
                        "country": "DK"
                    },
                    {
                        "country": "EE"
                    },
                    {
                        "country": "FI"
                    },
                    {
                        "country": "GF"
                    },
                    {
                        "country": "FR"
                    },
                    {
                        "country": "DE"
                    },
                    {
                        "country": "GI"
                    },
                    {
                        "country": "GR"
                    },
                    {
                        "country": "GP"
                    },
                    {
                        "country": "HU"
                    },
                    {
                        "country": "IE"
                    },
                    {
                        "country": "IT"
                    },
                    {
                        "country": "LV"
                    },
                    {
                        "country": "LT"
                    },
                    {
                        "country": "LU"
                    },
                    {
                        "country": "MT"
                    },
                    {
                        "country": "NL"
                    },
                    {
                        "country": "PL"
                    },
                    {
                        "country": "PT"
                    },
                    {
                        "country": "RO"
                    },
                    {
                        "country": "SK"
                    },
                    {
                        "country": "SI"
                    },
                    {
                        "country": "ES"
                    },
                    {
                        "country": "SE"
                    },
                    {
                        "country": "AD"
                    },
                    {
                        "country": "AL"
                    },
                    {
                        "country": "AM"
                    },
                    {
                        "country": "AZ"
                    },
                    {
                        "country": "BA"
                    },
                    {
                        "country": "BY"
                    },
                    {
                        "country": "CH"
                    },
                    {
                        "country": "GB"
                    },
                    {
                        "country": "GE"
                    },
                    {
                        "country": "IS"
                    },
                    {
                        "country": "LI"
                    },
                    {
                        "country": "MC"
                    },
                    {
                        "country": "MD"
                    },
                    {
                        "country": "ME"
                    },
                    {
                        "country": "MK"
                    },
                    {
                        "country": "NO"
                    },
                    {
                        "country": "RS"
                    },
                    {
                        "country": "SM"
                    },
                    {
                        "country": "UA"
                    },
                    {
                        "country": "US"
                    },
                    {
                        "country": "VA"
                    }
                ],
                "label_monetary_account_ordered": {
                    "iban": "NL51BUNQ2093937468",
                    "is_light": false,
                    "display_name": "A. Visser",
                    "avatar": {
                        "uuid": "659e794e-f55e-4cfe-9f6d-465622cf43da",
                        "image": [
                            {
                                "attachment_public_uuid": "523b48a0-7a77-4598-9920-86f26135fef0",
                                "height": 1023,
                                "width": 1024,
                                "content_type": "image/png",
                                "urls": [
                                    {
                                        "type": "ORIGINAL",
                                        "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/921ece497cd00f4e0cef3f0f63a962c31cf3f8e35311d127d5a7b23be3d074d5.png"
                                    }
                                ]
                            }
                        ],
                        "anchor_uuid": null,
                        "style": "NONE"
                    },
                    "label_user": {
                        "uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
                        "display_name": "A. Visser",
                        "country": "NL",
                        "avatar": {
                            "uuid": "9debf55b-70b1-4d43-8d51-d6e7bd42fb5b",
                            "image": [
                                {
                                    "attachment_public_uuid": "4b7e0d1d-9167-48ac-990a-70e342c87812",
                                    "height": 126,
                                    "width": 200,
                                    "content_type": "image/jpeg",
                                    "urls": [
                                        {
                                            "type": "ORIGINAL",
                                            "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/6979a145b7ea9ecc3459358122cb560608f02d36d4b8cd6b770f50e36aa35512.jpg"
                                        }
                                    ]
                                }
                            ],
                            "anchor_uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
                            "style": "NONE"
                        },
                        "public_nick_name": "Ayako",
                        "type": "PERSON"
                    },
                    "country": "NL"
                },
                "label_monetary_account_current": {
                    "iban": "NL51BUNQ2093937468",
                    "is_light": false,
                    "display_name": "A. Visser",
                    "avatar": {
                        "uuid": "659e794e-f55e-4cfe-9f6d-465622cf43da",
                        "image": [
                            {
                                "attachment_public_uuid": "523b48a0-7a77-4598-9920-86f26135fef0",
                                "height": 1023,
                                "width": 1024,
                                "content_type": "image/png",
                                "urls": [
                                    {
                                        "type": "ORIGINAL",
                                        "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/921ece497cd00f4e0cef3f0f63a962c31cf3f8e35311d127d5a7b23be3d074d5.png"
                                    }
                                ]
                            }
                        ],
                        "anchor_uuid": null,
                        "style": "NONE"
                    },
                    "label_user": {
                        "uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
                        "display_name": "A. Visser",
                        "country": "NL",
                        "avatar": {
                            "uuid": "9debf55b-70b1-4d43-8d51-d6e7bd42fb5b",
                            "image": [
                                {
                                    "attachment_public_uuid": "4b7e0d1d-9167-48ac-990a-70e342c87812",
                                    "height": 126,
                                    "width": 200,
                                    "content_type": "image/jpeg",
                                    "urls": [
                                        {
                                            "type": "ORIGINAL",
                                            "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/6979a145b7ea9ecc3459358122cb560608f02d36d4b8cd6b770f50e36aa35512.jpg"
                                        }
                                    ]
                                }
                            ],
                            "anchor_uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
                            "style": "NONE"
                        },
                        "public_nick_name": "Ayako",
                        "type": "PERSON"
                    },
                    "country": "NL"
                },
                "monetary_account": null,
                "primary_account_numbers": [
                    {
                        "id": 478304,
                        "uuid": "078374fd-6a2b-4978-b291-1e246142b45d",
                        "description": "",
                        "four_digit": "6584",
                        "type": "CARD_MASTERCARD_DEBIT"
                    }
                ],
                "payment_account_reference": null,
                "monetary_account_id_fallback": null,
                "card_shipment_tracking_url": null,
                "is_card_eligible_for_free_replacement": true,
                "card_replacement": null,
                "is_limited_edition": false,
                "card_metal_member_since_date": null,
                "company_employee_card": null,
                "card_generated_cvc2": {
                    "CardGeneratedCvc2": {
                        "id": 373278,
                        "created": "2025-07-21 09:21:57.556343",
                        "updated": "2025-07-21 09:21:57.556343",
                        "cvc2": "582",
                        "status": "AVAILABLE",
                        "expiry_time": null,
                        "type": "STATIC"
                    }
                }
            }
        }
    ]
}