Additional questions about bunq Travel Card

Tim

Just a small remark to close the pricing discussion. The whole idea behind bunq is that it doesn't make money with your money. What it does now with MassInterest is returning all profit from these investments (that you can choose yourself) are returned to the users.

So this means that bunq only has income from the monthly fee you pay. All additional fee's or commissions you encounter are basically to only cover the costs bunq had to make for that specific thing.

Karl-Grey-Shark

I'm very disappointed that the old bunq free is no longer available.

I live in Germany, next to the Dutch border. We have direct trains going into the Netherlands and I signed up for bunq so I could pay for public transport there using the iDeal system. This makes traveling to NL much easier with postpaid OV chipkarts and would have been possible with the old bunq free account.

When I signed up, I decided to accept the 30 day trial of bunq premium to explore the other features. My plan was to downgrade to the free account afterwards. Now this is not possible anymore. Instead, I can only downgrade to the free travel card that is useless in the Netherlands. I guess, my best option is to close the account again after the trial period.

That is very sad, because the possibility to use iDeal via bunq was something unique and not offered by any competitor. The new travel card however seems to have no advantage over any of the free credit cards that are very commonly offered by German banks. The old bunq Free would have been awesome for easier travels to the Netherlands. The new travel card, despite the name, is completely useless for my travels to the Netherlands.

NiB

josemarq This does not make sense

It does make sense: crowding customers out of non-profitable products and push them towards more profitable (and maybe less risky) ones.
I've have never considered the "Free" plan as more than a "teaser" to attract people and get them hooked to the app - and bunq have (and probably rightly so) determined that the Card would be more effective in doing so.

Though to be fair, everyone so far has been grandfathered into their old plans. The take-away so far: You can never sure what they're going to do - you should never count on previous or even today's products, plans or options to be available tomorrow (except what you're currently having).

Sebastian The new travel card, despite the name, is completely useless for my travels to the Netherlands

The irony here is that it's worse accepted than their Maestro card. But then, it isn't called a "Travel Card" for no reason ;) (considering their customer base is still overproportionately Dutch)

Thelazydesigner

Hi there. I opened a free account and about to request the travel card but cannot find the way to top up via IBAN as my bank does not support sofort and Ideal. Where can I find the IBAN to top up the account??

Bastiaan

Lorenzo In the "Cards" tab you have the option "Add money", after that you can choose "Bank transfer"

Thelazydesigner

Bastiaan I don’t have anything in the card tab except the get a new card button, and when I enter my data I can choose only credit card (with fees), sofort and Ideal. No bank transfer there.

JeroenE

Lorenzo Je hebt deze optie pas als je het Travel Card abonnement hebt.

Als ik je goed begrijp heb je nu nog het Free abonnement. Dan kan je gewoon via het menu je rekening kiezen. 1 van de eerste zaken die je ziet is je IBAN. Zie hier voor een uitleg: https://together.bunq.com/d/2880-how-do-i-find-my-iban-bunq-s-bic-swift-code/5

Tim

Hi 👋 Jeroen 🏳️‍🌈

For users with the Travel Card membership it works slightly different and should look like this:

After tapping 'add money' there should be several top-up methods including bank transfer, which should give the user details to transfer money to.

@Lorenzo

If you go to Profile > My Membership? Are you actually on the desired Travel Card membership or on Free?

Thelazydesigner

Jeroen 🏳️‍🌈 Solved via Sofort using another bank account.
But just to make clear: signed up as Free (not Premium), the first top up needed to activate the travel card is only Ideal, Sofort and Credit card with fees. There is no Bank Transfer option. There is also no “add money” button and no way to see the Bunq IBAN. The top up menu is accessible only from the “request card” wizard and contains no Bank Transfer.
After first top up you get the Add Money button in main screen, with Bank Transfer and iban info.

So, not a big deal, you might spend 0,5% fee at first credit card top up, but only the first one.
Maybe it’s not a bug, it’s a security issue, or maybe it is..
L

JeroenE

Tim Dat begrijp ik, ik leg hem uit hoe het werkt als je nog op Free zit. Hij schrijft dat hij de Travel Card nog niet heeft besteld.

Edit: wellicht zit hij nog in de gratis proefperiode? Dan werkt het opwaarderen ook niet via de betaalkaart, maar via de betaalrekening net als met Free.

Jan-Green-Turtle-1835045605

Waarom zou je nog een debitcard bestellen? Partner heeft net nieuwe premium afgesloten en alleen de maestro card besteld. Kan dus nog een extra card bestellen, lijkt me dat je dan de travel card besteld. Of zie ik iets over het hoofd waarvoor je nog de debit card zou bestellen?

Sander

Jan functioneel maakt het niet zoveel uit. Op je bankafschrift zie je het verschil mostly omdat transacties pas aan het eind van de maand daadwerkelijk gefactureerd worden vanwege de “creditcard” structuur. Dat is bij de debitcard niet. Als het je verder niks uitmaakt zou ik zelf gewoon voor de travel card gaan. 🙂

Flo1979

Hallo!

Ist es eigentlich vorgesehen, dass die Travel Card irgendwann mal genau so funktioniert wie die bisherige Mastercard Debit?
Sprich mit DualPin, Google Pay usw.?
Oder wird es hier Einschränkungen geben?
Ja, ich meine als Premium/Joint Nutzer.

Sander

FloLoL79🌈 Apple Pay won't work until July (estimated) with the Travelcard. They're working on that. Other than that all features are the same. The difference is in the acceptance with different merchants, especially with hotel reservations and car rentals for instance. It acts (by the rules) as a traditional creditcard, yet, you provide your own "loan". Normally the creditcard issuer would provide this loan. So your balance determines your spending limit. In practice it will feel like a debit card, only that merchants can't see this. 😁

Flo1979

Sander Danke Sander. Mir ist klar, wie die Travel Card funktionieren soll. Ich besitze eine ähnliche Karte der Fidor Bank. ;)
Deswegen freut es mich sehr, dass bunq genau dies ebenfalls einführt.
Mich wundert nur, dass man die Karte bisher nicht bei GooglePay hinzufügen kann.
Habe ich die Begründung hierfür irgendwo überlesen?

Frank-Maroon-Eagle

Sander As far as I understand this, the card can’t be allocated to a sub account like the debit card, no? Even for premium subscribers, it is always managed with its own card account that is less flexible and limited in functionality compared to the regular bunq accounts? Or are all these „limitations“ lifted when using wit/ premium?

Frank-Maroon-Eagle

After ordering the Travel card, card details are already available in the app. Can I already use it for e-commerce or do I have to activate the card somehow after it arrived?

Sander

Frank you can use it already for online purchases. 👍😁

Sander

FloLoL79🌈 Might be similar to Apple Pay, maybe they need a bit more time for that. I only recall a specific mention about Apple Pay, I expect that Google Pay will also be enabled for the cards. 🙂

JeroenE

Frank Voor zover ik begrijp zijn die extra restricties alleen als je een Travel Card abonnement hebt. Als je Premium hebt dan is het gewoon een andere betaalkaart die je aan alle rekeningen kan hangen. Net zoals de reeds bestaande betaalkaarten. Je kan de betaalrekening nu al in de app wijzigen, ook al heb je de fysieke kaart nog niet binnen.

Frank-Maroon-Eagle

Jeroen 🏳️‍🌈 Thanks for confirming this!

Esther-Orange-Unicorn

Frank I used my Travel Card data already for my online purchases 2 days ago, it worked exactly like the Mastercard debit. Especially for this online shopping I connected the Travel Card to one of my accounts I want the money take from. After the transaction goes through (immediately), I changed the account the Travel Card is connected to again, no problem. The feeling was like before with the Mastercard debit. With a premium subscription everything is possible 🌈 👍.