• 🇳🇱 Noordelijk tax office does not yet accept bunq

@JeroenE#43798

They most likely process the Direct Debit as it should be, it's just that they use an authorization service to start the Direct Debit mandate. This service called e-Mandate is trying to become a new standard and is implemented by several institutions and companies. Usually these companies can still manually add your IBAN to their Direct Debit system though, by contacting them through e-mail or phone.

Almost all big banks in The Netherlands support this way of authorizing Direct Debits though, bunq doesn't.

    Elise changed the title to 🇳🇱 Noordelijk tax office does not yet accept bunq.

      @JeroenE#43798 As a customer of bunq i personally do not really care if it's e-mandate or direct debit. I just want everything to work. I expect my bank to take care of that.

        @Tim#43818 But do banks in Germany, Latvia, Spain or Poland also support this e-Mandate thing? Because the institution has to follow European law and can't discriminate against any IBAN that is allowed for direct debit (e.g. they can refuse the IBAN if it's from a bank with for example a saving account where you can't have direct debits at all).

        @BasfromtheSide#43943 Why should a bank do everything some company decides it wants? I'd think it should work the other way around. The company has to follow the normal rule and allow direct debits from any bank in the SEPA area.
        Probably they can do this anyway, you just can't do this on their website but have to fill in a paper or something.

        It's a bit like iDIN, which bunq doesn't have either. It's not mandatory at all. It's a service some banks have. But nobody can force you to have a iDIN, they have to give you some other way to provide your identity if you don't have iDIN.

          @Polderdijk#43945 Dit is natuurlijk een schijntje voor een bank! Alsof bunq alleen winst haalt uit de abo's? Denk t niet!

            @Polderdijk#43945

            @JeroenE#43949 Why should a bank do everything some company decides it wants?

            Some company? I am 2 weeks with bunq now and had 3 circumstances out of 10 i could not pay with bunq in the last week. I guess these companies think it's an benefit to use e-mandate. I do not want to fill in papers or discuss if a company should use e-mandate or direct debits. I dont want to say this is a reason to leave bunq, but i don't like it. I never new about this e-mandate system since ING is supporting it and i payed with it many times without knowing this.

            And about IDIN, i don't care if it's mandatory or not. It's a service which is a nice feature for some people and it would be nice if bunq would support it. I don't know if i ever need it, but when i need it i like it if my bank supports it.

            I do have a navigation system in my car, it's not mandatory, but it's in there and sometimes when i need it i'm happy with it. It's about the same here.

              @BasfromtheSide#43979
              Dan weet je dus niet wat het hele idee is achter bunq. Daarnaast is er nog nooit winst gemaakt, en dit wordt volledig door de oprichter aangevuld. Dit soort extra uitgaven zijn dus niet zo vanzelfsprekend als bij de normale witte boorden banken. 🙂

                @BasfromtheSide#43983 I don't want to discount your experience, but I have everything I can on direct debit and so far no-one ever complained about the bunq IBAN I entered on their site.

                So I can only repeat myself: the companies that don't accept a normal IBAN are doing something else that all other parties do. So in this case using a third party service which isn't supported by every bank in the SEPA. They have to accept your IBAN though. But you might need to chat, tweet, call or send in a form.

                I understand that you can't change all the companies you're dealing with because they are used by your town and you'd have to use them. But that even might be in your advantage as you can argue with your local council members that they are using a mandatory party which excludes people from using their free bank choice.

                I don't think you can blame bunq that they are not using a thrid party which will costs them a lot of money Especially not when it's not needed at all because direct debits from bunq accounts already work. Why would bunq need to spent money so that some company can use a third party service? If you go that route, then I'm going to invent my own third party service and require every bank in the SEPA area to pay me 20 million euro a year to connect to it ;)

                Btw, your navigation example is very apt. I have co-workers who have a navigation system in their car which is now basicly useless because they haven't received a map update for years. The car company says "sorry, too old we don't support it anymore" (the car is less than 4 years old!). That's what you get when companies force you to use one specific thing which is not supported by everyone.
                In comparison I just use my smartphone where I can choose from several navigation apps and all of them are up to date with new roads, new signs and so on.

                  5 years later

                  FWIW, Apparently het Noordelijk Belastingkantoor is still using emandate; the string is in the source of the change-your-iban page.

                  There are only a few banks you can choose from (ABN, ASN, ING, Rabo, RegioBank, SNS, and Triodos). The largest banks are there, but together the smaller and other European banks must be a large fraction of their 'customers'.

                  It is possible to pay the tax through iDeal as well though, so that's something. They provide a specific contact page for changing the IBAN though, so probably it is possible to change it that way.

                    "Het klopt dat het niet mogelijk is de machtiging digitaal af te geven via Mijn Noordelijk Belastingkantoor. In dit geval heb ik u een machtigingsformulier per post toegestuurd. Op deze manier kunt u wel de machtiging voor de automatische incasso afgeven voor uw Bunq-rekening. U ontvangt het machtigingsformulier binnen 5 werkdagen per post."

                    Ik deed een beetje meer onderzoek, en vond dit wel interessant:

                    De Nederlandse banken bieden momenteel drie manieren waarmee u incassanten kunt machtigen voor het incasseren van uw rekening:

                    1. Een ondertekend machtigingsformulier dat voldoet aan de SEPA-richtlijnen voor Europese incassomachtigingen
                    2. (Digitaal) Incassomachtigen (dat u herkent aan het beeldmerk).
                    3. Een met iDIN Ondertekenen ondertekend machtigingsformulier (pdf) dat voldoet aan de SEPA-richtlijnen voor Europese incassomachtigingen.

                    Met één van deze drie manieren geeft u een geldige machtiging af. Incasso’s die niet zijn gedaan met één van deze machtigingen, kunt u tot 13 maanden na afschrijving terug laten storten via de bank, via een zogenaamde Melding Onterechte Incasso-procedure.

                    https://www.incassomachtigen.nl/machtiging-afgeven/veelgestelde-vragen/

                    Misschien dat het Noordelijk belastingkantoor relatief veel onterechte terugstortingen te verwerken kreeg, en ze daarom dus graag een van deze methoden gebruiken. iDIN wordt ook niet door alle banken ondersteund (ABN AMRO, ING, Rabobank, SNS, ASN Bank, RegioBank en bunq), dus in zekere zin begrijp ik het wel.

                    Desalnietemin lijkt me dat een overheid niet op zo'n manier bepaalde banken zou moeten bevoordelen. Juist de overheid heeft genoeg methoden om wanbetalers aan te pakken. Maar het zal wel zo zijn dat het in delen betalen een extra service is, het is immers met elke bank mogelijk om direct te betalen, en dit zal met het papiertje ook wel goed komen.

                      Write a Reply...