bunq Together

Automatisch afschrijven

Johnnes-Turquoise-Leopard

Ik heb gekozen om niks automatisch te laten afschrijven. Ik keur het eerst goed en dan pas eraf.

Toch zoe ik steeds vaker dat er automatisch word afgeschreven hoe kan dat ???

Jakob-Y

John Toch zoe ik steeds vaker dat er automatisch word afgeschreven hoe kan dat ???

Make sure you de-activate automatic direct debits for all of your sub-accounts. Also, you should always have 5 days to reject a direct debit manually. If you want to be sure that nothing gets debited automatically, look into your app at least twice a week and have a look at outstanding events to not miss anything. Then you can always reject direct debits manually.

Here's how the option for automatic direct debits looks in the sub-account settings (set it to "Off"):

Of course, that is only possible for direct debits. In case you use your debit / credit card information for subscriptions, then there's no easy way to reject payments. You'd have to talk to the merchant or freeze / cancel the card.

Johnnes-Turquoise-Leopard

Oke ze staan bij mijn op uit. Toch worden er dingen afgeschreven. Snap ook niet dat het dan een pinbetaling is

Jakob-Y

John Snap ook niet dat het dan een pinbetaling is

Sorry, could you clarify this part? Is your issue about direct debit payments or is your issue about card payments? In the former case (direct debits), regardless of any settings, you always have 5 days to reject/accept.

In the latter case (card payments), the credit/debit card networks are set up in such a way that customers don't have the possibility to reject/accept specific payments. Everyone that knows your card details is in the general case able to make payments from your account. That's why credit card fraud is such an issue sometimes. There are some extra security features like CVC codes and 3DS that might require the customer to give extra approval for a payment, but these aren't always obligatory depending on the merchant and the type of payment. But there's also an upside when it comes to credit card payments: because of the middle-man (the credit card company, Mastercard in case of bunq), it's easier to get a refund in case there really was a case of fraud. Keep in mind this refund procedure isn't always possible for debit card payments. Luckily, bunq offers a credit card.

And also bunq offers some advanced card security features compared to other banks: a rotating CVC code (not completely bullet-proof but helps against most types of regular card fraud) and the ability to freeze and unfreeze your card whenever you want. When a card is frozen, nobody is able to make payments from it. If you use the Easy Money or Easy Green plan, then you can also create virtual cards to use when shopping online. These are more easily disposable should you ever experience an issue with fraudulent payments and can help protect the card details of your physical card.

Hope this helps :)