• Ideas

  • Secondary / backup account with Apple Pay

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!

    @TwitNour#48056 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 :)

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

        @L#48071 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

          10 days later
          Tim changed the title to Secondary / backup account with Apple Pay.

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

              @TwitNour#48056 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.

                @ThatOneAss#51014 Well that's exactly what I am describing in the opening post. I don't really understand what you mean, Roland.

                  @TwitNour#51015 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.

                    @ThatOneAss#51021 Yes it does and that's only the case when you use your bunq card, but not when using Apple Pay.

                      @TwitNour#51022 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.

                        Hi @LH-Black-Wolf#51027 👋

                        @TwitNour 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 @TwitNour 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.

                          @WJanson#51041 Ahh then I misunderstood his intention and the request kind of makes sense now :)

                            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 😏

                              @jei#51043 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.

                                @WJanson#51041 Thanks for the clarification :)

                                  2 months later

                                  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!

                                    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.

                                      @TwitNour#71528 Are you using a MasterCard or a Maestro card with Apple Pay?

                                        @Roeshimi#71560 Maestro