• Ideas

  • [SUGGESTION] A better IBAN bank address book please!

My biggest gripe so far with BUNQ is the address book (contacts).
Dutch banks like ABN-AMRO, ING and others all have an address book with the following items:

  1. Nickname (example: Tax Office - Car / Tax Office - Private - / Tax office - income, etc)
  2. Real name (example: Belastingdienst)
  3. IBAN (the same IBAN for all above nicknames)
  4. Payment reference (fills in the payment reference field, a different reference per nickname, for example 0000-1111-2222-33333 or XXXX-XXXX-XXXX kraken.com)

With the Nickname and payment reference field, it is possible to have multiple items with the same IBAN, but when you select the correct nickname, the reference field is also filled in correctly. This is useful for paying several sorts of taxes to the same tax office, as it automatically enters the reference field (which is different for each tax in my above example) and the tax office knows if I'm paying car tax, income tax, etc.

Many other services require a fixed reference field to route payments correctly. Crypto Exchanges and Credit Card companies. Crypto deposits require a reference (and sometimes use an intermediary payment service, so the name is not clear, example: Kraken.com uses a bank called Clear Junction).

I hink it can be done with monthly recurring payments. However, I don’t want to setup a monthly recurring payment to get this right, I simply want to be able to select an address book item, add the right amount, and press send, knowing the reference field is filled in 100% correctly.

As ABN-AMRO, ING and others have this basic functionality (Paying is one of the main functions of a bank account...), I’m surprised - not in a good way - that BUNQ does not have this sorted. For the amount we're paying, You'd think BUNQ would have nailed this basic functionality. Come on BUNQ!

    2 years later

    Just curious if this is on the road map for Bunq? This is a basic but key functionality and, if implemented, would resolve a lot of headaches for me. :)

      Hello Luke & Simon 😊 Thanks a bunch for your suggestion regarding our IBAN bank address book. We totally understand how important this feature is for you. We have taken note of your request, and we will certainly forward it to our product team for assessment. Your input is super valuable, and we're all about making your bunq experience better 🌈

        3 months later

        I would also really like this to be implemented!!

        It’s common to have multiple bank accounts and right now they all share the same legal name in the address book. It’s really hard to tell which IBAN to use if they share the same legal name. A nickname would be really nice. Also the option to edit a contact in your address book is really wanted.

          Thijs changed the title to [SUGGESTION] A better IBAN bank address book please!.
            4 days later

            This gets my vote as well.

            Having nicknames makes things easier. Especially for companies that use a totally different name linked to their banking info.

              16 days later

              Oh yes, this caught my attention on day 2 being a 'Bunqer'. Address book should be clearly present in both mobile and web Bunq. In general: when creating a payment, after typing in the IBAN, the system should check and return the recipient name, so you know for sure the money arrives where it should :) That's what I call efficiency.

                5 days later

                Graag rekeningnummers kunnen toevoegen aan adresboek wanneer iemand via een betaalverzoek betaald heeft, dat je meteen kan toevoegen. Kan nu niet.

                  2 months later

                  @Alexia-Hummingbird#283565 Hi! What was the respons of the productteam? Is it on the backlog?
                  Thank you for your update.

                    @New-Indigo-Parakeet-2395591357#287881 Kan dit op iOS niet? Op Android namelijk wel. Als iemand een betaalverzoek betaald heeft kan je op zijn/haar naam tikken, waarna er rechtsonder een knop verschijnt om iemand toe voegen aan je adresboek.

                      7 days later

                      @thijsoost#290635 Nee, kan niet (helaas).

                        8 days later

                        @New-Indigo-Parakeet-2395591357#290634 Helaas, ook na 15 dagen geen reactie. Ik heb het gevoel dat er niks mee gedaan wordt. Jammer!

                          @Luke-Azure-Dragon#237593 Melding uit 2022 met 25 handjes! Waar blijft de prioritering door Bunq? Ik begrijp het niet.

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