I would also like this to make my accountant's life easier. An option to export all transactions from all sub-accounts within a time frame with the option to ignore transactions between sub-accounts (i.e. only transactions with external partners) since my accountant doesn't really care about how I organize money between my sub-accounts.

This requires having a personal and business profile:

1. Select an "Interest earned" transaction on a business account
2. This shows the "You earned Interest!" page with the option "manage freedom of choice" at the bottom
3. Select "manage freedom of choice"
4. The shown options are for the personal profile instead of the business profile

@Nikoleta#216670 If you think going back in the navigation should skip over a view is not a bug then I don't know what to say. It clearly violates Android UI guidelines. The back button is never supposed to jump over a previous view! It breaks user expectation.

When making a payment on the android app I go through these views:

1. Enter amount to pay (feature request: please show the current account balance here)
2. Chose recipient (pick "Enter IBAN")
3. Enter IBAN and name of recipient
4. Now I'm on the screen that shows the overview and II can enter a description
5. I notice I made a mistake in the IBAN and hit the back button
6. The UI jumps back to view (2), meaning I have to re-enter the IBAN and name again because it skipped view (3)

In general this whole process is very user-unfriendly when it comes to corrections because the app doesn't remember what I already picked. To change anything you have to navigate backwards and re-enter all the information again. Either allow editing of everything on the final "new payment" view or remember the data that was already entered when going back to correct things. I get that you want to ask the user one piece of information at a time, but instead of making the navigation stack-based as-is, it'd be better to have it instead gradually filled out the transaction details.

And while we're at it, when I hit my daily limit on the transaction (which would be great to have displayed as a warning somewhere as soon as I enter the amount to pay) I again have to back out of the entire thing, change the limit and then repeat and re-enter everything again. When I hit the limit give me an option to change the limit in-place, or to ignore it for this transaction. I need to send the money, that's why I'm here. The limit won't stop me.

Payment sorting does not seem to work on transactions from a business to personal bunq account. The sorting option doesn't appear anywhere. Not on the transaction overview, not on the bunq button. This kinda makes the primary selling point of this feature (sort your salary) moot for someone who pays their salary from a bunq business account.

Whenever you have to pick one of your sub-accounts the "Chose sub-account" view is opened. At least on Android this view just shows a flat list of all your sub-accounts ordered by their creation date. Worse still, if you have multiple profiles (e.g. personal and business) then the sub-accounts of all profiles are merged into the same list (still ordered by creation date).

It would be immensely useful if this view sorted sub-accounts in the same order that they appear on the "Me" screen and grouped them by profile, just like on the "Me" screen. Would make it a lot easier to identity accounts if you have a few of them.

Clicking the cog in the top-right corner of a virtual Mastercard opens a menu where there is no "Personalize name" option. All other types of cards (physical Mastercard, Maestro, Tap&Pay) have this option.

Furthermore, Google Pay now claims that "the account is closed" on the virtual card and won't let me pick it as a payment method anymore.

Also woke up to a failed payment on a virtual card that had a successful transaction just yesterday. I managed to get one back working using the "reactivate card" link on the failed transaction, but can't do anything about the others.

What's also interesting (may or may not be related) is that the card that failed today appears to be wrongly associated with historical transactions. I checked my Spotify and Netflix accounts and made sure both have card A as payment method, but in my history they appear as coming from card B. Something weird is going on.

Same problem with the graph. The historical data is completely off and the balance is wrong. It makes absolutely no sense. It goes up and down without there being any corresponding transactions. At least the historical graph should always be accurate and reflect the actual transactions and balance, which for me it does not. The historical section of the graph should always be self-correcting and accurate. Otherwise the graph is utterly useless, which is a shame.

The graph is completely broken for me. Even the historical graph (which I expect to represent actual balance and not come from an algorithm) is so wrong, it's not funny anymore. It thinks my account has 3x the balance it actually has, and instead of going down where I spent money it goes up. The tooltip keeps saying "Prediction" for historical data. That alone is just wrong to me.

I can accept that the future prediction is unreliable, but please, make the historical graph accurate and show your actual historical balance. Without that the graph has zero information value because I cannot accept any predictions, however accurate they may be, if I have to assume it's based on historical data that is utterly wrong.

As a first step I'd be great if the event history showed the new balance on every transaction, since that is information that is currently inaccessible to me without doing the math by hand. That might be easier to implement than fixing the graph and would help a lot by itself.

Well that's unfortunate. Thanks for the info.
So then, without Auto VAT, do business transactions also have the "split" feature? That would already help a lot. Though only if the other account is allowed to go negative on outgoing payments because that would make the negative balance reflect the amount of tax I'll get refunded.

Which doesn't help at all for the scenarios I described...

Hi all,

I am currently on the trial for the Premium feature and so far it's great. I am considering to also get a Business account and I am intrigued about having a separate acount for VAT. I am curious if there is a way to override/customize the automatic VAT split. My business is in Germany and we have two different VAT rates: 7% and 19%. Now the problem is that sometimes a single payment has multiple of these combined and you have to read the invoice to get the correct split. Another example are border-crossing transportation. When I buy a train ticket from Germany to Italy only the German part of the trip actually has VAT on it, the international part does not, so there is no percentage relationship between net and VAT.

With Auto-VAT enabled is there a way to retroactively change the split between the two accounts?

Or alternatively is there a way to do the equivalent of Auto-VAT manually? (Not sure I have enough monthly transactions to be worth it.) Similar to how private transactions can be split between multiple accounts. And how does that handle payments if the VAT account has zero balance at the beginning of a month? Is it allowed to go negative with outgoing payments? Considering it will be the same account I also get the VAT refund the next month or quarter, it should. Actually, does the Auto-VAT account have its own IBAN?

Thanks
Miro