@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.

It would be real nice if there would be 4 passes with bunq joint... that way partners can each have their own account and a pass for a shared account... 3 passes is to limited for me...

@Marco-Golden-Shark#80695 Yeah, on second thought I agree, I could never get my wife to switch iban before doing groceries, she just wants 1 card for personal and one for the joint account... I could do the switching but then we also really need 1 (preferably 2) physical MasterCards so 4 is indeed minimum and 5 would be better.

When the kids get older I can also see this as a nice family option, but then the 2 kids would also both need a Meastro card...

The joint thing basically works with just a premium account also... my wife has a free account (250 eur transfer per month max) with an account for herself and one for our joint account.
Now ofcourse that 250 eur per month is a problem so out of my 3 premium cards she uses 1 for the joint account.
She can use the bunq app for the joint account because she has a free pass for it but in reality she uses my 3rd card for the joint account..

I only was able to so this since we have the online cards, i cancelled my physical mastercard with bunq (used that cardslot for my wifes joint card) and am using one of the online cards for a credit card (since i only use it for online purposes that works out fine).

But as said I really appreciate the fact that bunq is doing this. It is a nice addition to the account types.

I just made a joint account for me and my girlfriend. Because I'm abroad a lot I have 2 cards for me and 1 card for home use (for when I'm gone). I'd love for my gf to be able to switch the accounts coupled to the card, one of the bonuses of the joint-account in my opinion. How do I go about transferring one of my cards to her? Because now I'm maxed out with 3 cards for 1 joint account.

@Andreas-Cyan-Badger#80688 So if even the cards are still personal too and not shared, what exactly is joint besides the name and all the limits!?
The more I understand about it, the less attractive it gets.

What made you think this is a better idea than joining a Pack and pay 5 euro each?

@Wouter-Lime-Kiwi#80706 Do you mean you changed to a joint subscription? As I understand now you have to freeze one of your cards and then she can order her own card.

I'm not sure why you need 1 special card to pay in your home country. That one card has to be the same type as one of the cards you use abroad. So you can use that one in your home country too, can't you?

@JeroenE#80710 Hi Jeroen, thats correct, i can use them both home and abroad, but i’m away from home a lot for work and i take my 2 cards with me to pay for stuff. To be able to pay for things at home, my gf has a card too so she can use the money from our bunq-account to pay for things when i’m out living it up with my 2 cards somewhere else in the world ;)

Answer is clear, I’ll freeze one card and get another one onher account, thanks!

@JeroenE#80709 It’s cheaper than 2 premium accounts.
I personally don’t want to join a pack with strangers. We are using bunq as our main bank. So for us the new account is a good addition. When the kids grow older we can change to a pack. This way it stays all in the family.
But I agree that having 4 cards or the possibility to buy a fourth one would be nice.

@Freek#80684 Well... You can leverage dual-pin to your advantage maybe in this case. One card can link to two accounts. Just means that for the secondary you can’t use contactless payments.

@Marco-Golden-Shark#80695 Could you use the dual pin functionality so you don't need two passes per person anymore?

I think bunq Joint should be considered an in between option for Premium and Pack; people asked a lot to be able to share the subscription and they claimed they could do with the features of a single Premium subscription. I think the limit on the amount of cards is a gentle push towards the full Premium plan (which brings in more money) or a Pack (which brings in more customers before it becomes “cheaper”). I do also think bunq is making the subscription model overly complex at the moment.

In the past you had pay-per-use; this was considered “too complex”; it was replaced by a single membership, one price to get it all. Fine! 😁 That was very clear, I either pay Premium (€7,99/mo) or I do not have the (latest) features. Then Pack came, some kind of discount model when you find a group of bunqers, fine as well, I could see how it worked easily, as it is basically 4x Premium for less money. But now bunq Joint appeared. Did you by the way notice the nameclash between the membership name “bunq Joint” and a feature within the product “Joint Account”? But Joint is somewhere in between, but still not completely,.. I just.. don’t know where to place it really. And I know bunq, but I talked to multiple people and they are now getting confused by all the options.. I’m starting to doubt; is the current subscription model / memberships truly better than the pay-per-use model that was used before? 🤔🤔

@iivvoo#80377 It is important to distinguish the joint account and joint membership (new) from each other. You and your wife can still have a joint bank account (both names on the bank account) with your seperate bunq user accounts. This has been possible for more than a year.

Joint accounts replaced a previous feature known as connect where one person would be the owner and others would get access to the account.

So, without changing your current membership (Premium or Pack) you can still have a legally joint bank account, with both of your names on the bank account (IBAN), by simply adding another bank account (bottom of the account tab) and choosing joint.