Paul-Maroon-Shark Hi Paul,
Nice that you want to switch with your whole family.
Joint + Business
When you take a Joint account, you get 25 bills and 4 passes. That way every member of the family can get a pass in their own name. Every member of the family can also create their own accounts and you can also share bills with each other. The maximum number of 25 accounts then applies to the whole seen together. It gives you great freedom. In addition, your wife could open a business account. It comes with its own passes and bills, so keep your private and business neatly separated. Then you spend a total of around € 20 p / m for everything. The best solution, provided you have enough 4 passes and 25 bills in total. You cannot order extra passes at Joint.
With a Pack everyone gets 3 passes and 25 bills per person. That is therefore more extensive! But because you only have 4 places in a Pack, you would have to add 1 Premium separately assuming that you put 3 times Premium and 1 Business in the Pack. Then you would end up with around 28 euros a month.
An option that could still be:
Put 1 x Business + 3 Premium in a Pack. And then you, for example, 1 of you share your passes with your wife. She then has no personal passes or bills (apart from within her business account) for private use. The lending of a pass is allowed, as long as you ask permission from bunq .
The most important thing to realize at Joint is that you cannot order extra passes. So if the entire family has enough of their own Maestro then it's fine. But if, for example, you also want a Mastercard or Travel Card in your package, then you will get lost at Joint.
Does this help you a bit? If you have any questions, scream! Happy to help.