@Sander#80624 Lol, that does explain the rainbow.

So the max interest is per user divided by total members if I understand you correctly? With 10 users, the maximum amount interest is paid over is €1000 each then? That makes some sense, more sense than in Pack anyway hehe.

    @LH-Black-Wolf#80628 that is what I understood from bunq indeed, and it seems in line with the way interest is calculated in Pack memberships

      Hi 👋🏼 Super bunq users :)

      Slowly but surely it becomes to me clear how Joint works.

      Let start with the good news.
      I think Joint 💨 can be the sweet spot for many couples who think that needing multiple Premiums is too expensive and don't need all the Premium goodies per user. I personally don't think it is a real solution for a whole family tho.

      A critical note...
      I think the whole communication was a bit lagging. I took me quite a while to understand it (could be me tho 😉). With Joint💨 their did made it whole membership scheme difficult to understand, especially because they aren't easily to compare.

      Anyway, hope it will resolve in many more new bunqers

        Back in the days when AP was introduced, I received an online card, does this one count for the 5 online cards per person? After this I ordered 3 physical cards, and later on 5 online cards. What will happen if I would go to bunq joint, as I am actually one online card over the limit?

          Apologies if this has already been mentioned somewhere, but how do cards work in bunq Joint? Are they always in the name of the person who orders them, and so can they strictly speaking not be shared around / lent to your partner(s) like all bunq cards (strictly speaking) could not be until now? Or are cards ordered within bunq Joint now in the name of both/all partners, and completely officially allowed to be shared among the partners?

            Is it really really shared? Like my wife can attach my card to different ibans at any time? She can see all my weird bunq.me pages and change them? See all the times I bought a satekroket just before dinner? I wouldn't mind sharing the number of passes or the number of ibans but not everything is handy when shared. It's nice to see bunq think (and act) along these lines though there are obviously some questions to be answered :)

              @vampjon#80667 Hi Jonathan, I hope I did understand it correctly but it works like this:

              Every Joint co-owner can order a card. When they do, they only can choose to put their name on that card. So, yes.. every card is personal. And strictly speaking, you still can't share them. And of course, in total there only can be three active cards for all members combined, and also there is no option to order more than​ these three.

              So a member can ran into the situation were he cant order any cards because the three are already ordered.

                @Freek#80673 well, if @JohnDo#80675 's answer is correct, and it kind of makes sense, I'm guessing your wife cannot even see your card in her app interface, since it is yours, not hers. So, no, she won't be able to attach your card to a different IBAN, she can only do that with her own card, in her name, that she has ordered herself. It makes a lot of sense this way, the only thing is that the limit of 3 cards in total for the whole bunq Joint family seems on the low side...

                  @vampjon#80678 Ah, nice, but, it's only 2€/month per extra (active!) card which isn't too bad.

                    @Freek#80679 You can't order additional cards with a joint account.

                      @Freek#80679 well, that's the thing... as mentioned by @JeroenE#80612 .... the pricing document indicates that ordering extra cards beyond the 3 included ones is not possible within bunq Joint...

                        @vampjon#80678 Normally indeed I'd have 2 cards in my wallet as does my wife, for our own and our joint account (groceries etc) but with bunq you can switch your card on the fly so you need less card and then there are the 5 virtual cards... I think we'd manage.

                          @vampjon#80681 Oh... That is a bit of a bummer then.

                            @vampjon#80681 So if'd have for now, my "upgrade" would require me to sacrifice one then... Strange.

                              @Freek#80684 So if I'd have 4 now... I meant (oops no computer to correct my posts nearby...)

                                @Freek#80683 Big bummer
                                For me it is unusable for a family where I need at least 4 cards.
                                2 parents - 2 children having each a maestro card.

                                  @Patrick-Vorgers#80686 Yeah I understand. It's strange because the 2€/month/card would be acceptable for me.

                                    @vampjon#80678 JohnDo is correct. My wife and I already changed to joint and it works as he described it. I froze my MasterCard and now only have one maestro. My wife has MasterCard and maestro because she does most of the shopping. We now have 25 accounts total which is enough for us.(instead of 50 with two premium accounts). You’re always free to upgrade back to premium and reactivate your cards.

                                      @Andreas-Cyan-Badger#80688 OK sounds good actually.