@Blackwater#117444 Klingt interessant. Wäre nicht abgeneigt.

Aber so sieht man in Deutschland nie Werbung von bunq.
Nur auf Snapchat. (????????warum Snapchat???)
Ich finde da sollte bunq auch selbst bisschen was verändern.

@Blackwater#117444 Ich wäre dabei und versuche bunq 🌈 auch jetzt schon privat und auf Twitter zu supporten. Für mich ist bunq das beste Bankingprodukt am Markt. Dies wird in Deutschland aber in der Öffentlichkeit noch zu wenig wahrgenommen. Also was Dir einfällt, bunq in 🇩🇪 bekannter zu machen, unterstütze ich gerne.

@Blackwater#117444 Das Problem in Deutschland ist leider noch immer die Sparbrötchen-Mentalität. Dass bunq besser ist als die Genannten ist unstrittig, aber gegen kostenlos lässt sich schwer anstinken.
Erschwerend kommt noch hinzu, dass man nur NL-IBANs hat. Gesetze hin oder her, das ist ein Problem und nicht jeder hat die Zeit/Lust/Energie, sich mit dem AG und sonst wem rumzuschlagen.
Wenn bunq eine DE-IBAN anbieten würde, hätten sie es in Deutschland einfacher

My 2 cents here. Totally agree with the Sparbrötchen mentality.

I have talked about bunq to a bunch of friends in Berlin. Only 1 guy out of at least 20 people got interested and registered for an account, but mostly because he's also a developer and wants to play around with the API. My girlfriend also joined but simply because it's a joint account. All the others said they see no advantages paying 7.99 a month, when they can get most features for free elsewhere. It might be just my impression, but I think trust and cost are by far the two top priorities for Germans when choosing their bank account.

Trusting online banks is very very difficult - there's no branch where you can see someone face to face, and (usually) no phone lines that you can call. Only chat / email / twitter. And to make things worse, bunq is a Dutch bank with no offices in Germany. Even the NL on the IBAN is enough of a reason to scare some people away, regardless of SEPA discrimination.

And then there's cost. Free = always better. Most "legacy" banks here offer free accounts, and the non-free are very very cheap. When you pair this with the fact that they are usually trustworthy, you have a winning combo - exactly what most Germans want. Everything else (free FX, real time notifications, 25 IBANS etc) are simply nice extras. Open API? This alone made me switch to bunq, but to the casual user.. they probably don't even know what API stands for.

So most Germans I know have a main / salary bank account on one of the big branch-banks, and a free account / card with a fintech to use as a daily / expenses card. And there lies the problem: N26 and Revolut both have way more features than the Travel Card on their free accounts. To really make use of bunq, you need to have the Premium account - but it's a hard sell unless you convince that bunq is very very very trustworthy.

Even if bunq would start marketing aggressively in Germany, I suppose they would need to slightly adapt their free tier to get customers by the numbers, and once convinced (we trust you!) some of these would switch to the paid accounts.

PS: by trustworthy here I mean not only the general idea of trustworthiness. A trustworthy bank won't send you emails saying you have to reverify your ID in max 3 weeks otherwise your account will be closed; won't temporarily block accounts for no apparent reason; won't take days or weeks to reply when you have urgent issues... Even if bunq does not do such things, it doesn't matter as long as some of the competition does. It stains the image of all fintech companies :-( For instance this: https://www.capital.de/allgemein/polizeieinsatz-und-renitente-kunden-der-aerger-fuer-n26-hoert-nicht-auf

TL;DR; join bunq, fight (very!) hard to convince your family and friends to join as well

@igoramadas#117646 Andersom zijn nog niet veel Nederlanders die een Duitse N26 bankrekening hebben. Ook hier is men trouw aan zijn bank, moppert over de stijgende kosten, maar blijft bij zijn of haar bank. Ondanks een gratis overstapservice tussen de banken vindt men vaak het een hoop gedoe om te wisselen van bank. N26 betreft een DE IBAN account die je krijgt en is gratis, maar in de praktijk heb je er toch minder aan dan de standaard traditionele banken in NL en slaat nog niet echt aan. Het is meer ‘spannende New kid on the Block’niche Fin tech product voor een kleine groep hier in Nederland. Het beste is toch de best of both worlds; een traditionele bank en Bunq!

@DaveFlash#118258 En ze zijn volgens mij in Nederland helaas al groter dan bunq....

En dat is gebaseerd op...? Klinkt nu een beetje alsof het zo uit de grote duim komt. bunq adverteert overigens ook actief, maar niet alleen in Nederland maar ook veel in het buitenland (ik heb bijvoorbeeld campagnes gezien voor Spanje, Frankrijk, etc.).

@igoramadas#117646 Spot on, Same situation I think in Spain and Denmark...

@igoramadas#117646
PS: by trustworthy here I mean not only the general idea of trustworthiness. A trustworthy bank won't send you emails saying you have to reverify your ID in max 3 weeks otherwise your account will be closed; won't temporarily block accounts for no apparent reason; won't take days or weeks to reply when you have urgent issues... Even if bunq does not do such things, it doesn't matter as long as some of the competition does. It stains the image of all fintech companies :-( For instance this: https://www.capital.de/allgemein/polizeieinsatz-und-renitente-kunden-der-aerger-fuer-n26-hoert-nicht-auf

The fear of having your account closed without warning, without reason and ending up with a customer service that no longer responds. It may take weeks or even months to get your money back. Bunq should have a formal mediator to deal with these sensitive issues. This would give a little more confidence.

@Blackwater#117444 Hallo Blackwater.live,

Deine Seite kenne ich und finde sie super. Deine Idee ist ebenso sehr gut, wäre gerne dabei.

I gather that bunq is most populair with people that want high quality products and are willing to pay for it. Bunq may seem expensive (and let’s be fair, it is), but bunq gives a lot more than your mainstream bank.

I often compare bunq to Apple computers, which are beautiful and of high quality, but are expensive too. They are basically just computers, like any odd Dell or HP, with the same functionality as a Windows PC has.

Until a decade ago, Apple served a small fan base which were deeply convinced that Apple was far more superior over Windows. What they basically wanted to say is that their computers are beautiful and of high quality and were easy to operate.

Apple eventually grew and Apple computers are more common than they used to be. More people didn’t stare blind at Windows being the sole choice. Apple got accepted by the mainstream audience (also driven by the popularity of the iPod and iPhone).

Bunq is in some ways the same as Apple; they offer a high quality service in a already established market and ask a certain price for that quality. This is new to the people that are used to their mainstream banks and like with all things new, they look at it with a certain reservation.

Only early adapters and those whom see the value of bunq, are willing to give bunq a try and that is where bunq gets its customers from. As those people are enthousiast about bunq, a very gentile and soft buzz is created around bunq.

Bunq may or may not be better than competitors. It depends on what you are looking for. Some people just want to try new things, others are in search of things bunq offers and other parties don’t.

They question you have to ask yourself is whether bunq provides you with what you need. I know that in my search for a new bank I stumbled upon Knab, N26 and Revolt, but they didn’t offer what I wanted. And the looks and feels of bunq appealed more to me than the others.

Looks and feels are as important to me as functionality as they should go hand in hand. I find that in for example brands like Apple and bunq, whilst others may find that in other brands. For me bunq was (and remains) the best choice, which says nothing about the overall quality of bunq and Apple other brands.

So bunq CAN be better then N26 or Revolt, it depends on your needs, which are different for most of us.

@Blackwater#118278 Das Design der Karten finde ich sehr gut, weil es dieses so kaum gibst.

Klar, vielleicht wäre es nicht schlecht, wenn man das Design wählen kann, das ist immer Geschmacks- und Ansichtssache.

Ich wäre da für alles offen und flexibel.

Hmmm.... Das meiste wurde ja bereits geschrieben. ;)
Ich wäre jedenfalls für jede Schandtat zu haben.

Bunq really needs to start offering local IBAN and a free account like N26 to attract more people in countries like Germany. Even with laws, it is still hard to change people’s mind.

Credo che ciò che rende forte N26 e Revolut è il loro branding, lo stile delle loro app, i colori, la semplicità!

bunq è nettamente superiore, ma su questi punti non vuole cambiare vestito! bunq è una banca eccellente, dovrebbe solo rinnovare il vestito! Questo è solo il mio umile parere!