bunq Together

bunq Joint questions

Bastiaan

Wouter looks like a bug.. So you first had a bunq premium membership and then created the new Joint?

Wouter-Lime-Kiwi

Bastiaan That's right. I already shared accounts with my girlfriend but then I upgraded to joint and invited her, she had a free subscription.

JeroenE

Andy I was not 100% comfortable with a Pack and strangers either but so far it was not a problem. The only thing that recently was a bummer was the Mass Interest feature where bunq decided that Pack users are now second grade Premium customers.
I do agree there's a small risk that somebody won't pay, but even if they don't then 15 euro is still cheaper than 16. And seeing the crowds in the Pack sharing topic I don't think I will have a problem finding somebody else.

JeroenE

Sander Yeah, I don't get why they are making their pricing so difficult. People kept asking for 1 subscription with their partner, but actually that is still not the case. You still need two subscriptions!
I know only one is paying, but it's still two.

I think it would've been far easier to understand if they had created a subscription bunq Couple where you could add two names on 1 subscription with the rest the same as Premium

Sander

Matthias then Joint is indeed not for you; then you should go for separate Premium plans or Pack (Pack is equal in price when full).

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

Joint Accounts did not replace Connects, Connects are still there. 😁 The fact that this point has to be clarified (distinguishing monetary accounts from memberships) is exactly my problem with the naming. 😛

Stephanus

Sander My answer was aimed at assisting with the question (I want a joint "bank" account) and is not aimed at being technically correct. We both know that connect still exist but it is now used to fulfill a different need than that of joint bank accounts.

I still share (connect) most of my bank accounts with my wife instead of having legally binding joint accounts.

Gerben-Olive-Jaguar

As I’ve not yet found a clear answer to this:

If my spouse with a free account accepts my invitation for a Joint plan, does she automatically gain access and can she see all my accounts? Or does this still only work if I share that particular account?

TimF

Gerben She won’t see the accounts you already had. I was in the same situation. All existing accounts remain private accounts only you can see. Same goes for all activated cards you have. She can’t see them.

(I started a Joint account yesterday, so this is a firsthand experience)

marcozima

Hi in the official information I read that you may open joint, shared and also personal accounts still with the Joint membership. The limitation is to have 25 accounts in 2 people instead than 25 each, like it would be with 2 premium accounts. Do I get it wrong?

Freek

Marco That's not the only limitation, you also get 3 passes max to divide between the 2 of you. You do get 10 (5 each) virtual MasterCards though.

TobiasDriesprong

Tim and can you still add private accounts? Or are all accounts added after the switch to joint shared accounts?

TimF

Tobias You can still add private accounts. When adding an account, you can choose between:
- personal account
- savings goal
- joint account

LH-Black-Wolf

Tim Yeah so that’s exactly the same as normal, good :)

marcozima

Freek That’s right, I meant the limitation on the accounts... on the cards is clear. This is actually what I have been asking bunq since a signed up, it’s perfect!

marcozima

Now it’s more clear here https://together.bunq.com/d/10639-bunq-joint-faqs

Andreas-Cyan-Badger

I was testing around with the cards a bit. Before joint my wife and I had premium accounts and 4 cards. 2 on each account. As I already said in my earlier post I deactivated one of my cards, because of the 3 card limit. Besides that is no problem for us, it is even less of a problem than i thought, because you can freeze and unfreeze the cards you need within seconds :). So get premium first, order all cards, change to joint and freeze/unfreeze the cards you need

Rory-Cyan-Unicorn

Kan ik een premium later omzetten in joint?

Rory-Cyan-Unicorn

Rory M🇳🇱 Antwoord gevonden; excuses, het is in ieder geval ja dat kan.

New-Silver-Okapi-2708953910

John Do But does that mean that all of the owners can make withdrawals? I ask because I want both my wife and I to be able to withdraw funds individually if necessary, and that doesn't seem to be an option on our joint account right now.
Any advice would be appreciated....

thijsoost

Stephen Yes, all owners of a joint account can withdraw money from it