@Ron-Silver-Penguin#38193 Yup, never an empty battery. Maybe I have a magic phone.

What I was saying about reception is: at those moments that you don't have reception, do you have a working laptop with internet? Is the bunq web environment that you want so badly a replacement at the moments that you're out of reception?

For the rest of the points I "failed" to address, it wasn't my intention to address all of your points.

Enjoy your day.

@Ron-Silver-Penguin#38195 bunq does not rely on 3rd parties. The lack of a web interface comes from a vision and their security model. Like it or not, this is what they offer. It’s not perfect, for agree, but as others pointed out: I think it’s quite bearable. Bunq is my primary bank (all my payments are done via bunq, I only retain my ING account for legacy reasons) and I have never ended up in a situation where reception or batteries gave me a hard time. Sure, there are moments when my mobile does not have mobile reception. Especially when I’m in Germany (I work for a Dutch/German company) I experience first hand what a luxury we have in The Netherlands in terms of 4G coverage. However as I tried to point out: that does not prevent me from paying in stores or getting money at the ATM. And in my humble opinion: all other tasks are not thát urgent. If access to your bank portal is essential to you 24/7 then I agree with others: then bunq is maybe not for you. I hope your laptop is 24/7 charged, working and has 24/7 WiFi coverage or a network plug to connect to.

In general I would kindly suggest that you adjust your tone of voice just a bit. We’re just giving our opinions back to you and we do not fail to address anything.

Happy banking!

@Gregory#38189 Just wanted to say you did a frigging great job. Keep it up dude, you are a talented coder.

@Ron-Silver-Penguin#38166 Some folks would prefer to have a bank that has a full blown web banking... others prefer a bank to have a store to walk into.

Bunq's vision (so far) is one where only a smart phone is necessary.

As for your reception argument: Smartphone's have WiFi and cellular connectivity, so more options that your typical laptop.

As for battery life: Smartphones typically have a far longer battery life than a laptop... and, for those who prefer a plugged in Computer, smartphones can also be plugged in.

That effectively makes your personal smart phone more available than other devices.

Being "forced" to use a smartphone is not in everyone's comfort zone... it's quite possibly not for you? But maybe it just need time?

I think the biggest problem is that a lot of people are still used to "old fashioned banks" and their way to work and offer services. "Old fashioned banks" is how I call the traditional banks.
But remember it. 30 years ago a lot of people at least here in German were not even used to online banking.
Do we loose connectivity to the mobile net frequently here in Germany? No, not really. That's true for some more countrified areas. But in cities even the small ones: No. Of course that also depends on your mobile providers. In Germany we have 3 mobile network providers (Telekom, Vodafone, O2/Telefonica). And there constant issues with one of them. We have couple of mobile resellers. But they are using the network of the 3 providers.

I really don't see the point of a web interface as long as Bunq provides me with the services and app functionality I need. And that's what they do.
But of course the requirements of people are different. Think about a 90 year old man or women. How many do you know who are making the banking online. No matter if it's through a web interface, a desktop application or a smartphone. I'm pretty sure the majority of people older than 85 still prefers to go in to the bank and talk to human beings.

But I want mobile banking, Apple Pay/Google Pay support. And that all the time. No matter where I am. And that's what I have on my smartphone. It's almost all the time with me.

And bunq has decided to be a mobile bank. Not a traditional one.
It might still be unusual for some people. But that's the future. I'm pretty sure in 10 to 15 years the majority people are paying with smartphones or smartwatches and do all there banking business on mobile devices.

As every one knows what Bunq is offering everyone is easily able to decide if Bunq is the right choice for him or not.

The only problem that I have with Bunq is that transfers via Sofort are not immediately on my account.

The fact that bunq doesn’t have a web interface is the exact reason why i did not move over to them, but instead i chose another (Knab)

I like the ability to just login from my computer and handle banking.

Its the same reason why i dont like writing long stories, emails or things such as this on a mobile device. Its annoying while having a keyboard and mouse in front of me the mayority of the day.

Powerbank for your phone xp

@Mathijs-Teal-Swan#58895 @Patron#58923 Bunq doesn't have a desktop program, but Gregory built an Open Source one using the bunq API. You can find more about it on https://bunqDesk.top

@JeroenE#59010 I would suggest bunq purchase the program from that user

I can't wrap my head around the fact that people here tell those who request a web interface that they don't need one and they should stick with the mobile UI.

It has nothing to do with phone reception, lost phones and what not. It also has nothing to do with being used to traditional banks and being incapable to adapt to the brave new world. All these statements are ridiculous and offensive. There are a multitude of reasons for why a web interface is superior to a tiny smartphone screen. And they are all valid reasons. Most prominently, some people just prefer to use a proper keyboard and look at a large screen.

I run a small business. I have literally hundreds of transactions to deal with each month. There is no way in hell I would use a tiny, limited smartphone to handle all of that.

So yes, if this bank wants to succeed, especially with their business plan, it needs to get rid of the "millennials only" paradigm and offer a full blown web UI for the grown-ups amongst us.

@Sascha-Navy-Shark#62811

Agreed. I also think Bunq is missing the fact that there is way more money to be made for them with businesses, since they do far more transactions then consumers. Businesses pay €0.10 per payment/request and consumers nothing.

Can someone tell that to Ali? ;)

I also think bunq should offer a web interface for reasons already mentioned here. In general bunq should allow people to choose which client best fits their needs

I fully agree with this old thread. With WISE I do most of my stuff an a laptop. Mobile would drive crazy.
Please bunq, consider a web interface.