• Ideas

  • Joint account: same rights (for example: direct debits)

When having a joint account (in dutch en/of rekening), the rights of the account holders still aren't fully the same.
For example: I opened a joint account with my partner, the account is meant for direct debits.
But when either of us accepts a direct debit and then automatically accepts the following direct debits, she is never able to change the automatic accept settings (like the maximum amount), because I am the one that opened the account. Even if she was the one that accepted the direct debit and automatic accept.

Though I was the one that first pushed the button, the account wasn't opened until she accepted and we should have the same rights (that's the point of a joint account). Or at least have the possibility to give each other the needed rights.

    @Maarten-Turquoise-Eagle#98383 This indeed seems strange. Have you checked with private support that this is indeed a missing feature and not a bug?

      @Maarten-Turquoise-Eagle#98383 Ik had dit nooit gecontroleerd, maar inderdaad bij mijn partner is dat ook zo. Je kan wel alles bekijken maar je kan niet stopzetten of het bedrag aanpassen. De optie voor storneren is er wel.

      Ik neem aan een foutje in de app, want dit zou inderdaad wel gewoon moeten kunnen,

        I indeed checked it with support and they at first thought it was a bug but later on said it was intended behaviour. They said i should submit a suggestion so I did

        Before the joint account I shared one if my own accounts with my partner, but the possibilities with direct debits were even more limited. She couldn't even accept a direct debit because it wasn't her account. I also couldn't give her the rights to do so.

        So we made a joint account. Now she can accept them and can even accept the automatic accept, but she can't edit them.

          @Maarten-Turquoise-Eagle#98423 this definitely sounds like a bug in the app. 🙂 Have you reported it yet to the Support chat 💬 or report@bunq.com? For the Connects you had less permissions in the past indeed, but for Joint accounts permissions should be equal I'd say indeed. 😁

            @Maarten-Turquoise-Eagle#98423 Het lijkt mij toch echt een bug een geen feature. Je bent immers allebei eigenaar van die gezamenlijke rekening. Als je beiden eigenaar bent heb je dus ook dezelfde rechten en is het fout dat de app jou anders behandeld dan je partner enkel omdat jij begonnen bent met de aanvraag van de rekening.

              @Maarten-Turquoise-Eagle#98423 Hi 👋🏼 Maarten,

              Sounds strange if you look it from a legal point because both of you are the full owner of that account, in every way.
              Hope they correct that in the future.

              Your other point I don't quite understand. My wife and I have several shared accounts (not joint)... but we both can accept direct debits!

                I agree. To be precise, support said:
                "Regarding the question you had about our Joint Membership, we wanted to explain you that it is an intended behaviour: only the person who sets up the automatic accept setting for a direct debit will be able to later edit the automatic accept settings."

                After that I told them again that even when she accepted the direct debit and the automatic accept, she cannot edit them afterwards and I can do that always. But they again told me to submit a suggestion.

                As for the shared account: you're right, I didn't remember it the right way. She could accept direct debits, but couldn't do the automatic accept. So for recurring direct debits, I was always needed.

                  @Maarten-Turquoise-Eagle#98437 I removed the bug tag because apparently it is intended this way. But I added the Idea 💡 tag.

                  Still curious with what idea in mind they designed it this way because from a users perspective it sounds strange. Fortunately is doesn't happen a lot that you have to edit a direct debit.

                  Edited : I added also bug tag again because I'm still not confident that this is how it suppose to work.

                    @JohnDo#98447 It still sounds like a bug, because the behavior is different than what support said it should be, isn’t it? 🐜

                      @JohnDo#98447 This is not a bug imho. The terms and conditions clearly state that each co-owner of a joint account can fully independently make payments (thus af it is any other account they have (access to)). Therefore, it makes sense that the one who made the payment (accepted direct debit) is the one in whose control it is as it was their payment, much like the other co-owner cannot control what transaction you send or control any other of your direct debits.

                      So indeed, even looking at the terms, this is intended behaviour. :) I believe this setup is actually advantegous and ought not be altered.

                      -edit- Although I am confused now. The above makes sense, but if I re-read the complaint of OP: even if his partner is the one accepting the direct debit, she cannot edit it...? That would be a bug, she should be the one whose able to control any direct debit of which she was the one to accept it - in accordance with the terms. Just not the ones OP setup. Same should be the case vice-versa.

                        @LH-Black-Wolf#98677 ik denk dat het duidelijk is dat iedereen dezelfde rechten heeft. Dus iedereen moet een automatische afschrijving kunnen accepteren, de automatische afschrijving kunnen goedkeuren voor herhaald afschrijven en dit ook kunnen stopzetten.

                        Dat kan niet, alleen degene die de rekening in eerste instantie heeft aangevraagd kan dat. Dat is natuurlijk vreemd. Waarom heeft die persoon meer rechten dan de andere rekeninghouders? Het hele idee is juist dat iedereen dezelfde rechten heeft. Dan moet de app die ook aan iedereen geven.

                          Dit probleem / bug bestaat al sinds de en/of en heb ik direct gemeld sinds de en/of bestaat.
                          Ook mij is verteld dat het een producteigenschap is. Een hele onlogische dan.

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