Updated September 28, 2026 · AffCue Editorial Team
bunq vs PAYBACK American Express Card
Facts checked September 26, 2026.
Facts checked September 26, 2026.
What sets them apart
| Compare |  bunq |  PAYBACK American Express Card |
|---|---|---|
| Commission terms | Up to 60 EUR per verified signup | Up to $200 per approved card |
| Cookie window | 30 daysHigher | 7 days |
| Networks | Everflow, FinanceAds | CJ Affiliate, FinanceAds, Daisycon |
| Payout per sale or signup | €60 | $200 |
| Payout frequency | Not confirmed | Monthly |
Same on both: Recurring commission (No), Verticals (Banking).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at bunq: 30 days vs 7 days.
- Networks: only bunq offers Everflow.
- Networks: only PAYBACK American Express Card offers CJ Affiliate, Daisycon.
- Features: only bunq offers Direct.
- Features: only PAYBACK American Express Card offers Referral.
- Region: only PAYBACK American Express Card offers North america.
Our verdict on each
bunq
bunq is a banking program for publishers with European audiences, paying Up to 60 EUR per verified signup on a CPA model with a 30 day window. It fits partners who prefer a payout per verified signup over revenue share, though no recurring commission caps the lifetime value of each referral.
PAYBACK American Express Card
PAYBACK American Express Card is a CPA offer for publishers who can send card traffic fast, paying $200 per approved card. The trade-off is the window: 7 days of cookie while banking programmes reach 90 days, so timing matters more than patience.
If neither fits
Axi Affiliates has cookie window at 60 days, against 30 days for bunq and 7 days for PAYBACK American Express Card.
Axi Affiliates reviewHow they place
| Ranking | bunq | PAYBACK American Express Card |
|---|---|---|
| Finance affiliate programs | 38 of 425 | 45 of 425 |
| Banking and fintech programs | 8 of 86 | 9 of 86 |
Every fact side by side
| Fact | bunq | PAYBACK American Express Card |
|---|---|---|
| Pricing model | CPA | CPA |
| Features | Direct | Referral |
| Region | Europe | North america, EuropeCovers more |
| Legal entity | bunq B.V. | Not confirmed |
| Headquarters | Netherlands | Not confirmed |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | bunq | PAYBACK American Express Card | Median |
|---|---|---|---|
| Cookie window | 30 daysat the median | 7 dayslowest quarter | 30 days |
Median across 146 listed affiliate programs.
Pros and cons
bunq
Pros
- A published payout of Up to 60 EUR per verified signup, so a partner can forecast earnings per verified signup without waiting on a later sales total.
- The 30 day window matches the 30 day median across programs here, so a standard account opening funnel fits inside it without special tracking.
- Reach in europe through direct availability, which suits publishers with a European banking readership rather than global traffic.
Cons
- Recurring commission is no, so the payout ends at conversion with nothing afterwards; Qonto runs CPA per registration plus KYB bonus and adds a bonus on top of its registration payout.
- Up to 60 EUR per verified signup sets the maximum for a verified signup, so real earnings per referral can sit below the headline figure.
- A 30 day window places bunq at 39 of 129 brands ranked on cookie length here, behind the 90 day longest window in banking and fintech.
PAYBACK American Express Card
Pros
- An approved card is worth $200, which rewards card focused content well.
- The offer runs on CJ Affiliate, financeAds and Daisycon, so you can pick the network that matches your audience.
- Payouts are Monthly, a predictable rhythm for cash flow.
Cons
- Recurring commission is no, so payment stops at approval and never returns.
- A 7 day cookie window ranks 111 of 129 on the site, so a reader who returns after that earns you nothing.
- Payouts run Monthly, so approved cards wait for the next cycle before the money lands.
Who each suits
bunq
Who it suits
- Publishers with a European readership in banking who can send readers into an account opening and verification flow, since the program is scoped to europe.
- Partners who prefer a predictable CPA line item: Up to 60 EUR per verified signup per verified signup, credited inside a 30 day window.
- Sites that want direct access to the brand alongside network options, since the program is listed as direct and works through Everflow and financeAds.
Who should look elsewhere
- Publishers chasing lead volume: Mintos runs Hybrid lead and CPA commission, so it pays for leads as well as completed accounts.
- Anyone wanting a sales based payout that keeps earning after the referral: Admitad pays 5% per sale, which suits ecommerce traffic rather than bank account reviews.
- Publishers whose traffic sits outside europe, since the program is recorded for Europe and no other market is listed.
PAYBACK American Express Card
Who it suits
- Publishers whose readers already apply for credit cards and compare rewards.
- Network operators on CJ Affiliate, financeAds and Daisycon who want a single approval trigger to optimise around.
- Sites with banking content in north america and europe that can send readers straight to an application.
Who should look elsewhere
- Publishers who want a share of what a referral spends rather than a flat approval fee, since Admitad pays 5% per sale.
- Publishers chasing paid leads as well as sign ups, since Mintos offers Hybrid lead and CPA commission.
- Publishors who need a different banking angle to test, since Qonto pays CPA per registration plus KYB bonus.
Country by country
| Country | bunq | PAYBACK American Express Card |
|---|---|---|
| Canada | No | Yes |
| Germany | No | Yes |
Questions about each
bunq
How much does bunq pay for a referred signup?+
The published rate is Up to 60 EUR per verified signup, tied to a signup that completes verification, and the CPA amount behind that figure is €60. The model is CPA, so the payout attaches to the conversion itself rather than to any later balance or spend the account makes. The stated figure is a ceiling, so individual conversions can pay less than the headline rate.
How long is the cookie window?+
The window is 30 days, which is the standard length across most programs here: the median listed is 30 days and the upper quartile 60 days. On cookie length bunq ranks 39 of 129 brands, so a referral that converts after the window closes earns nothing for the publisher.
PAYBACK American Express Card
How much does the PAYBACK American Express Card pay?+
The programme pays Up to $200 per approved card, and the amount sits at $200. It runs on the cpa model, so the money is tied to an approved card rather than to clicks or to what the cardholder later spends. Approved applications are what trigger the payment.
How long do I have to turn a click into an approved card?+
The cookie window is 7 days. On the site that ranks 111 out of 129 programmes, so it sits near the short end. The longest banking and fintech window reaches 90 days, so campaigns have to be timed tightly here.