Secondary / backup account with Apple Pay

TwitNour

Hello everyone! 🙋🏻‍♂️

I love the dual pin on bunq 🌈 and I’ve used the secundairy account as a back up too when the primairy account didn’t have sufficient funds 💵. Its a great feature, but I’ve been missing it since I started using  Pay. It’s pretty reasonable that Dual Pin won’t work with Apple Pay, but I do think that being able to have a secundairy account as back up when the primairy doesn’t have sufficient funds could be very useful. Recently I tried to pay for something in a store where the terminal declined because of insufficient funds via Apple Pay, where as if I used my bunw card, my secundairy account would have been automatically used. This seems to be a software implementation, so maybe bunq can add this to the Apple Pay feature as well? What do you guys think? 🙌🏻 give it a high-five to show your support!

JeroenE

Nour To be honest, I wouldn't like it if the app decides that a charge must be done on a second account.

Usually when this happens I've forgotten to change the Tap&Pay to the correct account and I doubt the second account would be the correct one.

But as long as you can disable this (just like on the physical cards), I'd be fine with it :)

ThatOneAss

Nour The secondary account won‘t be used automatically when there aren’t sufficient funds, at least that didn’t happen to me in the past. Always had to use Chip and secondary PIN.

00

the secondary account does work actually (sometimes) other times it gets declined. there's no logic in that. it will happen randomly

00

L with apple pay... i had it in place in the very beginning, but it's unreliable. could've been removed, but that wouldn't make sense to me

Roeshimi

I‘ve recently been hit by this limitation so you have my support for this idea

TwitNour

Roland Well that's exactly what I am describing in the opening post. I don't really understand what you mean, Roland.

ThatOneAss

Nour In the opening post you’re saying, that if you would have use your card, the secondary account would have automatically been used when there wouldn’t be enough funds on your primary account.

TwitNour

Roland Yes it does and that's only the case when you use your bunq card, but not when using Apple Pay.

LH-Black-Wolf

Nour You mean with the secondary pincode? That’s a tough call for Apple Pay. But you can always switch the card to another account prior to paying. Not a solution but a work-around that’s perhaps workable for you. That or assign another card to it and swipe in Apple Pay.

WJanson

Hi LvH 👋

@Nour is referencing to the backup account feature. In the opening post he already states that the secondary pin would not work with Apple Pay, because of obvious reasons.

But at the same time as they implemented the secondary pin feature, bunq also implemented a feature to use the secondary account as some kind of back up. So when you try to pay from account X, but the balance isn’t sufficient it will be deducted from account Y (the secondary account)

What @Nour is suggesting, is to make the backup part of the secondary account feature compatible with Apple Pay. So that you can set an backup account for your Apple Pay card for the times that the balance is insufficient when you try to make an transaction.

LH-Black-Wolf

W. Janson-Korhorn Ahh then I misunderstood his intention and the request kind of makes sense now :)

TwitNour

W. Janson-Korhorn Thanks for the clarification :)

Jakob-Y

As a work-around, simply getting another card and connecting that to the other account would also work, wouldn‘t it? We have 3 free cards included after all 😏

Heda

Jakob This is no work around and not what the was suggested. Sometimes you just forget that you don’t have enough money on one account but there is still plenty on your backup account. It’s called backup for a reason. Just in case you run out of money on your main account.

Bram-Mies

Ik zou deze feature ook graag terug willen zien. Vind de back up functie fantastisch werken op de fysieke kaarten maar met Apple Pay zou het ook erg handig zijn!

TwitNour

Ik weet niet hoe of wat, maar bij mij werkt het nu gewoon. Als er niet genoeg op staat, dan wordt bij het pinnen toch van de secundaire rekening afgeschreven. Lijkt toch goed te gaan.

===
I don't know how, but it works for me now. If there's not enough on my account, when I make a transaction, the money is deducted from the secundaire account. Seems like it's working now.

Roeshimi

Nour Are you using a MasterCard or a Maestro card with Apple Pay?

TwitNour

Roeshimi Maestro

Roeshimi

Nour Interesting. I should try that in store because the last time I tried, I was shown the Finger 😉