• Ideas

  • Moving transactions between accounts

@JeroenE#34926 A utility bill is a direct debit but even so, it could be that the account is depleted and another account is required. Using the Pay function removes all metadata so it cant be identified as the utility bill anymore, therefore making it clumsy and u transparent. How easy would it be if you could just go into the transaction details and select another account? I'd love to just be able to organize transactions like that.

    @JeroenE#34926 I believe that Bunq works with aliases so the beneficiary always only sees the orginal account on record. It's the same with direct debits which I later allocated to another account.

      @Maarten-Pink-Puma#34927 When this happens I just type in the description field what the amount was for. Of course, when you do things with the api to match this with account numbers or something then it won't match.

      I never tried to accept a direct debit to another account, so I don't know if bunq allows that. If that is possible because then I later I could require the firm to send me the authorization to debit from that account. Which they won't have because I was the one who changed the account number on the fly. So how could this work?

      If you're in the app to change the account anyway, I'd say it just as easy to transfer money into the correct account and skip changing the account.

      Bunq doesn't work with aliases internally. You actually get different IBAN accounts. So it's not like everything you pay is from one IBAN account and all the rest is doen in the app. So if bunq tells someone "here is money from this account" it would seem strange to me that you later on change this to another account. Then bunq would need to go back and tell the person/firm "sorry, I said this account, but now you got it from that other account".

        @JeroenE#34936 Selecting a different account in the Direct Debit settings is just something that bunq 'forwards' in their systems. This way you don't need to inform the other company at all and can switch between (bunq) accounts anytime you'd like to.

          @JeroenE#34936 Yes so 'just typing in the description field' is clumsy and you still lose all the metadata (account number, date, invoice no etc). So also end up with multiple transactions instead of just one.

            @Roeshimi#28208 This is a great feature of Curve. I use it all the time. It means you don't have to remember to switch card all the time in the app. This should be even easier in bunq, because bunq directly runs all the accounts

              a month later

              @Tim#34938 I'm still confused. In the mean time I found out there's a SEPA method to inform the other party that the account was changed and the new account should be used for further debits. But that doesn't sound like the way you are describing it. So the other party sees a transaction coming from account A and in Bunq the amount is deducted from account B? So if the statements from the company and myself would be checked they would not actually match regarding the account numbers?!

              @Maarten-Pink-Puma#34939 You still have the metadata on the original account from the actual transaction. The only thing you have extra is a payment from a second account to the original account to allow the direct debit to go through on the original account.
              It might be the way you have this organised differently than I have, but I'm assuming you have transactions going to that account anyway to be able to pay the bills.

              I have a separate account for direct debits regarding the house (rent or mortgage, tax, home insurance, utilities and so on) and most other direct debits as well (health care insurance, retirement fund and so on). So each month money goes into that account to make sure all the direct debits can be paid. Depending on the type I need to make minor adjustments each year/cycle. Because insurance payments change, the winter was warm and we used less energy for heating (or more when the winter was cold) and so on. So I know it will never be "perfect" and sometimes I get a refund and sometime I need to transfer some more money into the account for the annual settlement.

              That way I can always find all the payments in the same account instead of having to search in several accounts to find out where water bill of March was paid from.

                @JeroenE#38414
                I can't really give you certainty on that point but I assume the other party sees the transaction coming from another account yes. Unfortunately can't test it for you through statements at the moment.

                It's an easy way to manage direct debits and gives some flexibility that you could change this any time to any of your bunq accounts. Informing the other party about an IBAN change is also possible of course and the 'correct' way to do it, but not necessary.

                  3 months later
                  2 months later

                  I think this would be a valuable addition to bunq's feature set

                    a year later

                    Wordt dit nu mogelijk om de nieuwe v3 app? Of eventueel met add-ons?

                      Love that!

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