• Ideas
  • Sort Requests by merchant to custom sub account

It would be great to automatically sort payment requests to it‘s designated sub account. For example if I get a direct debit request from amazon I would like to automatically sort the request to another sub account that pays the bill in the end. Right now I always have to manually transfer money over from my subaccount to the main account where the payment happens.

If that‘s not possible for legal reasons, because the subaccounts iban is not part of the direct debit agreement with the merchant, then please add the function to automatically request money from another subaccount that is meant to pay it. In the end the main account pays the bill and request the money back from the subaccount. That way budgeting would be a lot easier for me.

Just as disclaimer: I know that I could‘ve setup the debit agreement with my subaccount directly but I don‘t want to. I only want 1 iban to be used for debit transactions instead of assigning every merchant it‘s own subaccount. If I change my budgeting setup later on, that would be a pain in the ass to go to every merchant and change the iban to the one of the new subaccounts paying it.

Let me know what you guys think.
Cheers Janik

    @Janik-Magenta-Swan#228590 Let me know what you guys think.

    Isn't that already possible? At least as long as you set up automatic approval for that direct debit. You can then assign a different sub-account (even though that one has a different IBAN). If you don't want the automatic approval aspect of it and just have the right account pre-selected when approving your direct debits, then you could set the monthly limit to something very low like 1 euro.

      @Jakob-Y#228591 Thanks for the hint Jakob, didn‘t know that. I was somehow searching for some kind of „sort request“ button haha. I‘ll give your suggestion a shot

        @Janik-Magenta-Swan#228592 There are a bunch of features called "Auto [something]" at bunq, but in my understanding:

        • Auto Sort is all about sorting, or rather distributing, incoming payments (like salary) between your sub-accounts. And then there is...
        • Auto Accept, which actually comes in three flavors: Auto Accept for your contacts, for direct debits, and for card payments.
          • With Auto Accept for contacts you can automatically accept incoming payment requests from your friends, family etc., while
          • Auto Accept for direct debits applies the same concept to incoming direct debits, making direct debits from your chosen companies work more like they work at other banks, but with the advantage of being able to set a monthly limit and being able to choose freely between your sub-accounts,
          • and finally Auto Accept for card payments means that you can basically tell bunq to automatically approve any 3D Secure checks pertaining to a certain merchant, but if card payments work like they should, then this is probably not really needed.

        So, to say it short: Auto Sort is for incoming payments. Auto Accept is for outgoing payments.

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