I really love the new auto save feature but there are a couple of things that I would love to see added further down the road. Since there have been a lot of topics about the new savings feature I thought it would be a good idea to bring all ideas together in one topic. Some ideas are my own, others I read from other users and wrote them down here so we have a nice overview.
I will keep updating the first post in this topic with all the features people suggest.
being able to chose from which accounts money is going to be saved from.
„connected“ saving. I have a shared account with my wife for groceries but only if I go out and pay money is going to be saved. But most of the time my wife is doing the shopping so I miss out on all those possibly savings and I have to do it manually. It would be cool if this would work for connected accounts automatically.
allow to set a percentage. What I man by this is not only round up to the next euro or so instead give us the possibility to set a percentage of how much money should be saved. For example 5 % from each payment. If I go and pay 10 euros then 50 cents will be saved. Or buns could combine all options. Like give us the option as it is right now where it rounds up. Give us the possibility to set a percentage. And maybe give us the option to set a specific amount. Like save 50 cents of each payment.
Because right now it’s like this for example: I pay 9.00 € then it will be rounded up to 10 € so 1 € goes I to savings. But if I make a payment 99.99 € only 0.01 € will go towards savings. I don’t like this very much. Because if I make little payments it should save small amounts and if you make bigger payments more money should be saved. Now let’s say I set up 10 % to save from each payment. Then it would be 99 Cents from the 9.99 € payment and 9.99 € from the 99.99 € payment.
Everyone could set it up individually for him/herself.
allow to switch between percentage and actual amount in the account overview. Some people want to be able to see how much money they have saved in the overview. I personally love that the goal is being displayed in percentage but it would be nice if bunq would give us the choice to chose between amount/percent.
and last but not least allow for multiple saving accounts. If I have two kids I wanna save for it would be nice if my savings could be split in half and go automaticallly to both of the savings accounts.
Also it would be a cool idea if you could create a savings account without a goal, because maybe you dont have one yet or just want to save money in general.
It would be a nice addition to be able to select from which type of card transactions money should be saved. For example you can pay online, in shops and withdraw money from ATMs. At the moment all of those three options trigger the auto save feature. It would be nice to be able to say "save only when making transactions in shops".
Enable to possibility the auto save a certain percentage of INCOMING transactions. This would be a very handy feature for business accounts in order to save the money for tax. For example if a business needs to pay 20 % of Tax on each incoming transactions you could enable the auto saving feature to right away save the said amount on a specific account. This way you do not need to do it manually by hand for each and every transactions. It would add a lot of benefits for business accounts.
I would love to hear what you guys think about those ideas. Some of those ideas i collected from the community some are mine. Give me a thumbs up if you would love to see something like this being added in the future.
EDIT: I added Timo. N.'s suggestion with having a savings account with no goal.
I added Koop in Strooms suggestion to be able to choose to save from selected transactions.
I added BBikers suggestions to allow a percentage based auto saving on incoming transactions.
