bunq Together

bunq Joint questions

Sander

Jeroen 🏳️‍🌈 from what I’ve heard: your max. Interest is capped. If you have 2 persons in your bunq Joint (terrible name btw 🙈) then your interest is calculated over max. €10.000,- / 2 = €5.000,-. Balance doesn’t matter.

LH-Black-Wolf

Sander 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.

JeroenE

Sander Right, that bis exactly the same as in a Pack, like I expected.

Sander

LvH that is what I understood from bunq indeed, and it seems in line with the way interest is calculated in Pack memberships

JohnDo

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

N1ck

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?

vampjon

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?

JohnDo

Jonathan 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

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

Freek well, if John Do '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...

Freek

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

Freek

Jonathan 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.

Andreas-Cyan-Badger

Jonathan 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.

Patrick-Vorgers

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

vampjon

Freek well, that's the thing... as mentioned by Jeroen 🏳️‍🌈 .... the pricing document indicates that ordering extra cards beyond the 3 included ones is not possible within bunq Joint...

Freek

Jonathan Oh... That is a bit of a bummer then.

Freek

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

Patrick-Vorgers

Freek 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.

Freek

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

LH-Black-Wolf

Freek 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.

Freek

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

Freek

Andy OK sounds good actually.

JeroenE

Andy 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?