• Ideas Implemented

  • SuperGreen (1 per 100€)

@Esther-Orange-Unicorn#156299 I absolutely agree with you. And since the amount of trees that I plant don't directly affect me in any way, I don't mind.
I am also a German bunqer and I never had to use my maestro card yet, but that is due to a problem that I don't have: I always have an EC-Karte with me and there is always money on it, therefore I don't need to worry about that.

    @Esther-Orange-Unicorn#156299 I understand this and agree on why they had to change this in order to implement the new structure. The problem is that I did not pay for how this works now. I paid for getting two trees out of paying with my credit card. GreenCard and SuperGreen are two different things, I paid for the one and got the other. And the other is worse for me and some people, better for others. I don't care for the Maestro card, I never used it. I only pay using the credit card, therefore I generate more interchange fees.

    Not sure if that would work out for bunq, but how about counting debit and credit card payments differently? What if a credit card payment would just count twice as much? I've read that idea here on Together somewhere, its not mine. But would that be an option @bunq ?

    That way everybody would be happy I guess?

      @TimothyA#156319 For me bunq is my one and only, so there is no german girocard for me.
      I like your perspective. It is not everything about my own forest and my own trees and if the hole bunq supergreen community plants more trees all together now with all their card, it is great 🌳.

        @Esther-Orange-Unicorn#156323 Yes. And I am a huge fan of bunq, too. I only use bunq, for almost all my transactions. I don't even really use my credit card anymore, except that I now top up my account every month with that credit card...
        I also love my Green Card (Metal Card? What is it now)! I don't mind the personal price increase I now have: 9€ more per year. 🌈

          @mangerlahn#156322 The idea sounds great and has a well founded background, but I fear it might be too complex.

            @Esther-Orange-Unicorn#156326 I agree, this could potentially be complex and hard to understand. But I'd still like to see whether it is possible to implement in an easy way.

            The first thing that came to my mind is probably too complex, but that's why its a first thought right? 😉
            A point system could be introduced in which every € spent with a debit card gives you 1 point. 1€ spent with the credit card gives you two points. Every 100 points gives you one tree. Done.

              But before we get into properly designing such a system it would be good to know from @bunq if that works out financially for them. Not sure if they can share this info though.

                @Esther-Orange-Unicorn#156299 Alles schön und gut, nur habe ich im Voraus für ein Jahr für 2 Bäume pro 100€ bezahlt. Und diese Leistung wird nun nicht mehr erfüllt. Für mich ein ganz klarer Vertragsbruch.

                  It's all fine and dandy that the trees are paid for using the interchange fees, but then why is the supergreen plan twice as expensive? What other features are there?

                    Ich sehe das Hauptproblem eigentlich darin das man viele Dinge im Monat ja gar nicht mit Karte bezahlen kann. Strom, Internet/Festnetz, Mobilfunktvertrag, Versicherungen werden alle per Lastschrift bzw. Bankeinzug bezahlt. Ausgaben welche man per Kreditkarte bezahlen kann sind ja schon limitiert. Essen gehen, Einkäufe usw. zahlt der Großteil sicherlich eh mit der selben Kreditkarte. Somit bringt es den Großteil eben nichts, das jetzt vielleicht Maestro und Onlinekarten auch zum Bäume sammeln dazu zählen. Auf diese Karten wird einfach viel zu wenig Umsatz im Monat erfolgen, der Großteil läuft über die Kreditkarte.

                      I’ve got the same feeling. I’ve gotten into the green card boat because of the 2 trees per 100€.

                      I want a solution. This new change is NOT OK!

                      I’m taking this serious and bunq should consider that in their general agreement they say that all changes start 60 days after notifying. Bunq is not following part 44 in their own agreement! Again bunq, this is not ok!

                        Hey guys!

                        Thanks for the feedback on this.

                        We do understand that a few people could end up planting less trees in the first year, even though overall the whole bunq community will plant 50% more trees with Supergreen.

                        We’re looking at a solution for the people who would plant less trees now.

                        We’ll let you know more info this week.

                        Cheers
                        Tom

                          Maybe in a Supergreen subscription bunq could let évery payment count to save on trees. Not only via the card payments but also with (scheduled) payments, money transfers when paying your invoices or direct debits. So in fact, for every €100 we spent with bunq a tree is planted. Not for nothing to u named it Supergreen after all, right?!

                            @Tom#156726 Da sind schon gute Nachrichten

                              @Tom#156726 Thanks for the update. Sounds good.

                                @MarJamJars#156731 Letting only card payments count has an imo very good reason. Not only could you easily fabricate non-real spending if bunq would let regular money transfers count, but they also don‘t generate any income because there are no interchange fees for bunq to collect. Don‘t want to start a price discussion but the subscription includes all kinds of features, multiple cards including one Metal Card. It‘s not just pure profit for bunq.

                                However, not giving legacy Green Card owners their 2 trees per 100 Euro (at least when they use their Green Card / Metal Card), is just poor form. The bunq community somehow probably planting 50% more trees on average has literally nothing to do with the matter at all. I wonder why they thought this „excuse“ would go over well with people. They are the ones that started with the gamification of banking by implementing awards or the tree counter. They should know best how important these numbers can be to some users who strive to „collect“ or „earn“ more awards / points / trees. Is it stupid to care about this? Yeah, probably. But they started with it, they need to take it seriously.

                                  @Tom#156726 Thanks for the heads up, really looking forward to your solution on this :)

                                    Sometimes I wonder to myself (now though to the bunq world) if bunq is being led by professional business minded people or idealistic university students. Seems more like idealistic students.
                                    There’s just no way that any business minded person would have just made such drastic changes as we saw a couple of days ago.

                                      Wenn ich das lese, ich bin einfach schockiert. Genau aus diesem Grund darf grüne Partei nie regieren. Die Leute leben in Wolken. Habt ihr überhaupt irgendwelche Bäume gesehen oder Pixels reichen für Euch. Was für ein Energieverbraucht das ganze verursacht :) ich würde das noch verstehen , wenn die Bäume noch in Europa gepflanzt wurden.