bunq Together

Suggestion: Bunq Couple

matticala

Dear Bunq'ers,

what's Bunq Couple? Nothing, it doesn't exist. It would be a middle tier between Premium and Pack.

Right now we have 7,99€ / pp × month and Premium 19,99€ / 4p × month, which places it on ~ 5€ / pp × month.

The "issue" with Pack is trust. If you don't have a big family or friends willing to share the pack the only alternative, as proposed in the forum already, is to go strangers. You might find very nice people as you may not, you never know they will stay in the pack or if they will pay their share and that could be an unpleasant situation to those people using Bunq as daily bank.

I would suggest Bunq Couple. Like Pack but for 2 people, at the price of 11,99€ / month or 12,99

25 IBAN per person or even shared

3 cards max per person: 2 physical, 1 tap&pay

No possibility to buy new cards.

This would make a small family / couple oriented offer which I really feel missing.

What do you think?

Cheers,

Matteo

Freek

Like it. The couple/family is a very fundamental unit in society so it makes sense to address it as such with a product. There should be a clear "what happens when we separate" work flow through.

Jasper-Azure-Akita

That could be solved very easily; if you cancel the couple subscription the normal premium will be activated.

Petervdv

Very fundamental? Mwah.... in The Netherlands 33% of households have 2 people in it.

people in a household: 1 2906334 37.64% 2 2530437 32.77% 3 924877 11.98% 4 958746 12.42% 5+ 400393 5.19% total: 7720787

Source (Dutch): http://statline.cbs.nl/Statweb/publication/?DM=SLNL&PA=37975&D1=21-26&D2=0&D3=0,5,10,15-21&HDR=T&STB=G1,G2&VW=T

marcozima

I had a similar proposal here https://together.bunq.com/topic/joint-account_2 :

- Person 1: premium plan gets 3 cards, 25 accounts and all the other benefit. She can decide to assign one of the 3 cards to the other person on the joint account

- Person 2: free plan gets 1 free account + 1 joint account opened by the other person + 1 of the cards in her name but bound to the joint account

Premium cost 7,99 - Joint could be 9,99€

Michiell

Je zou het premium pakket moeten kunnen uitbreiden met 1 persoon. Dat hebben alle banken. Bij bunq betaal je 2x, terwijl een en/of bij andere banken hetzelfde kosten als een eenpersoons rekening. Een kleine extra vergoeding voor een setje pasjes is reeel.

JanBrodda

I think the current subscription model offers a great banking experience for a reasonable price tag. So in my opinion the available subscriptions don’t have to change, I am happy with the current pricing.

JanBrodda

I tested the following, it works just fine: your partner creates a bunq free account and you subscribe to bunq premium. Then your partner shares his bank account with you, and you order an additional card which then is linked to the connected account.

Tobi-H

Jan, just what I thought I would do, but I would have shared the account from the premium user‘s side. Your idea is even better, because then the account with the card is on the free user‘s name.

With 3 cards, you easily can spare one for your partner, and if really needed, you pay the onetime-fee for the 4th card (to have 2 maestro and 2 MC), so you can activate whatever you need depending on the situation.

Voila, bunq couple for the price of one bunq premium!

JohnDo

I'm perfectly happy with the current prise plan. My wife and I were both Premium users. And although we didn't mind the €15,98 a month (just the prise of a big pizza) we did started a bunq Pack with two strangers. I don't see any real risk in that. If a Packr don't pay, I will simple remove them and probably will find a new Packr within days. Worst case scenario is that I don't find a Packr and have to go back to Premium which is also at a fair price point.

marcozima

This is what we currently do, the only problem is that the card cannot have my wife as cardholder... if bunq could fix this!

marcozima

Netherlands is not the whole market for bunq. In Italy 20% are couples but if you consider 25 million families it means that 5 million families are couples which equals to 10 million people: potential market already larger than half Netherlands 😉

(Source ISTAT, national statistical institute in Italy)

[deleted]

One issue: the free account cannot switch the card to another iban.

Sander

In case you don't like strangers in your pack you can always convince another person/company/couple that you personally know to join bunq. 😬 win-win? 😄

matticala

It does but there is a small problem: with the new setup a free account can have only 1 IBAN and NO card at all. You can lend one but why? I regularly use my mobile to pay but always bring the physical card as fallback if the POS doesn't support contactless. MasterCard/VISA if you want to rent a car is a must and the card must be on renter's name.

This then becomes a problem, one of the partners can't rent it.

You cannot use Bunq as main bank account if you are on the free tier. As two working people we need two premiums but I find 16€ per month a bit overpriced compared to the Pack.

marcozima

Honestly this is a work around I do not understand. For me bunq is about simplicity and it’s not so straightforward looking for other people who I might not know just to have a joint account (which is actually offered by any bank by the way...).

JanBrodda

@Marco - If you use the standard subscription models, there is no need to share your subscription with strangers. Joint accounts are a regular feature, which you can create and invite multiple other bunqers to.

Regarding your example with the joint account: AFAIK you only need one premium member for that. Free accounts are allowed to be invited to one joint account.

marcozima

The only thing that a Premium+Free accounts setup doesn’t do is the possibility to assign one of the three cards to the person with the Free account. Otherwise I’d be perfectly fine with that!

JanBrodda

You can't assign the card to the person with the free subscription, but you can include their name in the second free-text line on the card. Then both of your names will be printed on the card.

marcozima

I can... but she won’t see any card details in her app. What I do not understand is why bunq doesn’t allow it only for joint accounts since the cost for them is the same.