• Ideas

  • Small overdrafts

@Stephane-Azure-Kiwi#160178 How exactly would that work? If you didn't mean a loan or a gift, what do you mean by help if you can? Now I'm not sure your messages is clear at all. Sadly... 😞😞

    Une aide quand ou on peut débloqué on cas de nécessité urgente bien sûr que on rembourse dans les 15 jours

      Aucun cadeau ni prêt une aide

        @Stephane-Azure-Kiwi#160251 you can never be sure that people will reimburse you, who should carry the risk for this? If bunq would need to carry this risk then they need to ensure to be able to compensate this with other income.. how do you envision this exactly?

          Déjà ce sera pas pour tous le monde les clients qui sont deja chez bunq depuis un moment mettent régulièrement leurs salaire ou épargne sur le compte

            Pour les clients fidèle et régulier

              @Stephane-Azure-Kiwi#160273 Klopt, ik heb nood aan een nieuwe vriendin (verkering net uit), maar krediet, een lening of rood staan gaat Bunq denk ik niet doen.

                @Stephane-Azure-Kiwi#160273 I have a idea with title "Make secured credit card an option." On that thread you can see my response as to how Bunq could do it, as well as Jakob-Y suggestion to be able to get overdraft by setting a negative balance ourselves.

                  @Stephane-Azure-Kiwi#160269 Even for loyal customers there is a risk that has to be covered somehow. Someone being a customer for years is no guarantee they will not abuse the ability. So bunq would need a way to cover that risk,... I do like the idea in theory.. It has been proposed multiple times already, but it should also be feasible for bunq to offer it. That's what's often lacking in these ideas unfortunately. So I'd love to hear how you expect these risks to be covered.. 🙂

                    @Sander#160399 The only way to cover it is by implementing my original idea or the idea that Jakob-Y proposed. Otherwise it's an unsecured credit/overdraft. I made a post a few days ago. You may check it out. Jakob-Y actually made a counter suggestion in response to that post. My original idea could work. His idea could perhaps work too...

                      Tim changed the title to Small overdrafts.
                        2 years later

                        So nobody interested about loan or overdraft?

                          Nothing ethical about high fees for the banks green credentials, just very old marketing. The travel card was to get people on board, people that it seems bunq are happy to let go by replacing it with an expensive account. Sad.

                            Yea overdrafts or pay in 3 or 4 like Klarna would be cool

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