Max The day is defined by the start date of your subscription. You can specify yourself which iban is used for the bunq fees. So it's not a random account. When the balance of the indicated account is insufficient then bunq will try to collect the money from a random account with sufficient funds. So as long as you fill the selected account on time then there should never be surprises. 😁👍
I agree that it would be nice to select a date on which the subscription is paid, but, given the underlying problem here (insufficient funds to pay the fees) it won't be a solution, it's not like you're saving money somewhere, you're just shifting the date on which you pay. Anyway, thats why I suggested to create a separate iban and "reserve" the monthly fee there, then let bunq take the money from there and you should not have to worry about it.
Implementing a variable date for fee payment would increase the complexity of th billing process even more, it needs to be build carefully, tested (very) extensively etc. I personally rather see bunq spend that time on new features that benefit a bigger group of users. 😁👍
