• Ideas

  • [Suggestion] Offer us a way to change sub-account types

Hi guys! Got the e-mail about changes to savings accounts about half an hour ago. I think I speak for a lot of Bunqers when I say that we totally 'get' why these changes are necesarry and how important it is to make changes and keep moving forward. At the same time, there are early day users like myself that keep getting the ground shifted beneath their feet and are getting seriously frustrated.

Many years ago, long before Bunq offered a budgetting feature, I created many savings accounts with saving goals for my recurring / budgetable expenses. I have one for my my groceries, my car, health costs, clothing etc etc. They are 10 accounts in total. Between those accounts I have one card that I dynamically shift with an iOS shortcut between accounts to do my payments.

This has worked great for me, but will stop working entirely in the new system. Not only will it stop working, I will be forced to create new accounts, get in touch with all the services doing direct debits on these accounts, cancel a whole bunch of monthly automatic payments. This is a lot of work. Worst of all, Bunq gave exactly 33 hours of notice for this change.

Again, I get it. The economy is changing and Bunq needs to change with it. I don't mind the changes, what I do mind is that no accomodation is given for us old loyals to move from one system to the next. There is a framework built by people around the finance tools you created. The changes are fine. What we mind is not being given the tools to move with the changes. Let us change sub-account types. Give us a way to close an account but keep the IBAN and permanently forward funds. Or even better: let us move IBANs between accounts. And give us more than 33 hours notice next time.

Thanks for your time.

    Thijs changed the title to [Suggestion] Offer us a way to change account types.

      The changes about being able to only withdraw twice a month was already announced on December 2: https://together.bunq.com/d/55218

      You also received an email about this, there was a link to this article in that email. However, since not all users tapped the link, it looks like bunq emailed users again and giving more info in the email itself (for users only reading the email).

      Anyway, your suggestion is still good! Would be a great addition to bunq.

        @thijsoost#273395 Thanks for the feedback Thijs, I've looked in my inbox and found the e-mail you mentioned. It does indeed link to an article, but the link is beyond the fold:


        The title of the e-mail or the body give no hint that transaction limitations may be involved.

        On the article, the user needs to open a dropdown titled "What changes exactly?":

        The relevant information is then the third point in the list.

        I posit that this way of communicating a serious limitation to an entire account type for all users is absolutely not acceptable for a bank. Much as I love Bunq, this is a change that leaves many users like myself stranded as well as a communication error, and that needs to be addressed.

          Floris changed the title to [Suggestion] Offer us a way to change sub-account types.

            I too was using savings accounts for my budgeting, just got the email and this seriously sucks. Please consider the changes suggested by Floris.

              a month later

              @dot357#274635 Hi! You have two withdrawals a month from savings accounts.

              You're now posting in the public community. If you wish to talk to someone from bunq, please contact bunq support.

                a month later

                Hi Thijs, I used your workaround and changed my Savings sub account to be a current accout, so that I could transfer money.
                How can I now return my sub account to be a Savings account ? I can find the option.
                Gr,

                Colin.

                  @ColinA#275726 Unfortunately, you can't reverse the change

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