bunq Launches €5,000 Flexible Credit Limits as Deposits Hit €10B Milestone

bunq has introduced a €5,000 credit limit for its free credit card and completed the rollout of the Wero cross-border payment system. For fintech professionals, this dual move signals a significant shift in neobank strategy, blending traditional credit facilities with the latest European payment infrastructure to capture a larger share of the international travel and e-commerce markets.

What was announced

At its Update 32 event held at the DeLarMar theater in Amsterdam, bunq revealed a new credit limit of up to €5,000 for its globally-accepted Credit Card. Unlike traditional revolving credit models, this card requires full monthly repayment, a structure designed to help users manage travel-related expenses like hotel deposits and car rentals without incurring long-term debt. The card carries no monthly fees and integrates security features such as rotating CVC codes and location-based protection. Users can manage limits and authorizations directly within the app.

The credit limit feature is initially being released via an early access waitlist, limited to 1,000 users per market in the Netherlands, Germany, and Spain. Alongside this, bunq confirmed it has surpassed €10 billion in user deposits. To celebrate this milestone, the bank launched a ‘Double Your Deposit’ campaign, which will see one user’s daily savings deposit doubled every day.

Furthermore, bunq announced it is the first bank to complete the rollout of Wero across the Netherlands, Germany, France, and Belgium. This implementation, part of the European Payments Initiative (EPI), enables both person-to-person and e-commerce payments across these four markets. Users can now complete transactions at participating merchant sites or send money to individuals without sharing card details, using the cross-border system directly from their bunq accounts.

"We're here to make users' lives easy. Offering up to €5,000 credit is a major step in providing all the financial tools users need, all in one place. It’s designed the bunq way: simple, transparent, and with full control. Whether you’re renting a car for a weekend trip or managing your monthly budget, our credit card gives you the financial freedom you need, without hidden fees."

Joe Wilson, Chief Evangelist at bunq.

The companies involved

Headquartered in Amsterdam, bunq has established itself as Europe’s second-largest neobank. Since its inception, the challenger bank has focused on serving an international "digital nomad" demographic, offering multi-currency accounts and features tailored for cross-border lifestyles. Unlike many of its peers that rely on third-party banking licenses, bunq operates with its own European banking license, allowing it to maintain tighter control over its product stack and regulatory compliance.

The company has maintained a high profile in the European fintech sector by positioning itself as a transparent alternative to traditional banking incumbents. Its market position is defined by a rapid release cycle and a focus on user-centric features, such as automated savings and sustainable investment options. As a key participant in the European Payments Initiative, bunq is also at the forefront of efforts to create a unified European payment standard to rival global card networks. This latest expansion into credit limits and Wero integration reinforces its role as a primary driver of digital banking innovation in the Eurozone.

What FF News has reported before

FF News has followed bunq’s trajectory closely, with 58 stories documenting its evolution. In late 2025, the bank expanded its savings products by launching high-interest term deposits, a move that preceded its recent €10 billion deposit milestone. The bank has also been active in enhancing its lifestyle offerings, recently accelerating global expansion with a premium rewards proposition powered by Ascenda.

Beyond product launches, bunq has contributed to industry discourse on operational efficiency. Recent bunq research revealed that UK entrepreneurs lag behind Europe in AI adoption despite heavy administrative burdens. Additionally, the bank’s data has provided insights into broader economic trends, such as when London saw the biggest coworking cost drop in Europe as living costs began to stabilise.

What this means

The introduction of a €5,000 credit limit marks a maturing of the neobank model. For years, challengers focused on debit products to avoid the risk and regulatory complexity of lending. By adding a credit facility with a full-repayment mandate, bunq is directly challenging the utility of traditional high-street bank cards, particularly for high-value travel transactions. Meanwhile, the Wero rollout is a significant moment for European payment sovereignty. By being the first to bridge four major markets with this system, bunq is putting pressure on established card schemes. The industry must now consider whether a neobank-led adoption of Wero can finally provide the scale needed for a truly pan-European payment alternative.