• Ideas
  • Innovation - bunq MUST move on

If bunq want to play a significant role in the new app based banking business in the future there needs to be mor innovation.

  • instant payment / transfer to traditional banks
  • investments
  • insurances like travel and personal liability
  • stock trading
  • ETF saving plans
  • crypto
  • more spending and personal wealth analytics
  • more card designs
  • lending and loans
  • etc.

Revolut and others do very well in the above areas, albeit none of them has a complete solution.

bunq has pretty much sorted out the day to day banking, now it’s time to up the level!

    I don’t agree with you on most subjects.
    It is better to focus on your primary business, instead of secondary stuff.
    Therefore in my opinion no:

    • investments
    • insurances
    • stock trading
    • ETF saving plans
    • crypto
    • lending and loans

    I do agree with you it would be nice if there were better spending analytics and more card designs.
    And there are still quite a lot of other ideas for basic app improvements as you can read on this forum.

    Regarding the instant payments, Bunq does offer this to a lot of banks, most of the Dutch banks.
    It might be the other bank doesn’t support the instant payment with bunq.

      Maurits Fair enough, your opinion. From my point of view I have to make transfers to Revolut to invest in crypto, to other platforms like trade republic to buy shares and that’s why I am ending up having multiple accounts which is hard to track and also cumbersome in terms of tax reporting.

      I am not a big investor or similar, but I don’t leave money in an account where I get some 0.0x interest but inflation is around 5%+. Nobody should…

        Stefan Like going to a bakery and telling him he should sell vegetables.
        But as you said, just my opinion.

          Maurits Going to the bakery telling her to sell not only bread but bread rolls and cakes

            Bunq braucht vor allem langsam mal ein Redesign. Die App ist mittlerweile so zugestellt mit unnützen Krempel, den man auch einfach in EIN globales Menü packen kann. Wozu braucht es das Freunde, Community und Scannen Tab?

              7 days later

              Je suis tout à fait d'accord,bunq doit aller plus loin et rejoindre le rang de revolut
              ,n26..

              • regler les problèmes location de voiture avec carte credit dans certains pays
              • Proposer absolument des assurances sur les cartes bancaires.
              • action et ou crypto
              • visuel carte

              Paiement instantanée, elle le fait et cela fonctionne avec revolut et des banques françaises 👍

              Peter Is it possible to make the virtual Bunq cards anonymous, no surname I mean.

              That's not currently possible. All cards (whether virtual or physical) are registered with your name.

              If not, when will this be possible at Bunq?

              If bunq releases a new feature, normally it's not announced before, it'll just get released when it's ready. But they read this forum (bunq Together) to gather feature ideas and wishes for upcoming updates, so you posting this here is the first step :-)

                13 days later

                Peter deserves better privacy , as all of us.
                A single use virtual card with no name attached it will help to protect the freedom, privacy and future of all of us. Every single time I hear about data breach in a company with thousand and or milions of credit card data exposed, makes me think twice about how safe we are against this threats.

                Nothing new here, is already released in other banks. Let's see if we get lucky in this matter.

                  20 days later

                  Ich habe alle meine Kreditkarten per opt-out von den Analysen ausgeschlossen

                  Mastercard 🇩🇪: https://www.mastercard.de/de-de/datenschutz/datenanalyse-abmeldung.html

                  Visa 🌍 : https://marketingreportoptout.visa.com/OPTOUT/request.do

                  Ob sich Mastercard und Visa daran halten, kann ich nicht überprüfen.

                  Um meine Kreditkartendaten mache ich mir dank bunq keine Sorgen. Dafür benutze ich eine virtuelle Karte, die mit einem Konto ohne Guthaben verknüpft ist. Diese wird nach Gebrauch zusätzlich noch eingefroren.
                  Bei Missbrauch wird die Karte gelöscht.
                  Dank dieser Methode, sind schon einmal Abbuchungen mit der Mastercard verhindert worden. Ich hatte vergessen diese virtuelle „Internet Risk“-Karte einzufrieren. Da sie aber noch mit dem „Internet Risk“-Konto (=0€) verbunden war, ist nichts passiert.

                  Bei Revolut gibt es „Disposable Virtual“-Karten. Mit Instant payment ist das benötigte Geld auch schnell von bunq zu Revolut transferiert.

                  In meinem kostenlosen Revolut Konto sind „Disposable Virtual Cards“ eigentlich nicht vorgesehen. Als ich eine neue virtuelle Karte hinzufügen wollte, hatte ich aber die Auswahl zwischen physischer, virtueller oder wegwerf Karte.

                    8 days later

                    FRANCK We need travel insurance! It's unthinkable we pay for
                    a "premium" bank account and with 9€ don't even
                    get travel insurance and other stuff that competitors
                    offers even for free like crypto!

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