• Ideas

  • Refilling Subaccounts

Hi,

I am just starting to use bunq, but from the descriptions I am not sure how refilling my subaccounts work.

So I am splitting this post into two parts. First part is the description how I understood how refilling currently seems to work by looking at the descriptions from the app. Second part is a description how I would like it to work. Maybe I am overlooking some way how it can work that way.

1. How refilling works from looking at the descriptions

What I could see there are currently two ways to refill a subaccount.

Using refill notifications

Here I can set a lower limit on a subaccount that specifies when I want to receive a push notification via my app.

I don't understand the "Refill to" option. Is this an option that appears when I click on the push notification in Android and that I just need to confirm? If this is true, where is this amount coming from? Is this choosable in the refill notification form? Which options are there?

Using Easy Budgeting

Here I see that I can choose to transfer a fixed amount of money from another subaccount to my budgeting account. But this is not really a refilling option as my subaccount will always grow or shrink over time, depending on the real amount of money spent in a specific month.

2. What I am looking for

So what I am looking for is a way to refill my subaccounts automatically from some other (main) subaccount. If a specific lower threshold is reached there should be an automatic transfer to match a specific balance again. I don't always want to get a notification and have to react with a manual confirmation. This is what I like about Paypal. I can pay what I want and it rebalances automatically from some other bank account.

    What you can do is to sort incoming payments to sub accounts.
    But that doesn't fill to a specific amount.

    Would be really nice to have.

      @New-Mustard-Husky-3412740800#273256 Hi!

      The "Refill to" option works like this:

      • You receive a notification when the balance falls below the set amount
      • If you tap the notification, you see several options to refill your account, it refills to the set amount
      • This feature is manually

      About the budget feature: if you set it to, for example, €300 and choose the first day of the month, the budget is refilled up to €300 from a sub-account of your choosing. This happens automatically.

      There's no option to make automatic transfers if a specific lower threshold is reached.

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