CarstenAceI now have an update on this; I got my refund without any issues.
I guess this is because the merchant implemented SOFORT in a way where I have to enter my IBAN before even being redirected to the SOFORT website. I got the refund to the IBAN I entered there, not to the account I chose in the BUNQ app during payment.
JakobProdigy@CarstenB#140703 That is indeed how I think merchants should do Sofort payments and so it worked well for you in this case ;-)
@Jakob#139873 I'm expecting a refund, also went to the internal IBAN.. hopefully bunq will look into this in the future.
JakobProdigyI want to bring this topic up once again because of a recent experience of mine. In February I was trying to buy something at a reputable online shop everyone here knows the name of. Out of convenience and because I apparently still didn't learn from my own mistakes I chose Sofort for the payment, which was a bit more than 1000 Euros. For some reason that they even couldn't figure out themselves, the booking went awry.
It took me until today, so nearly three full months, and countless phone calls and e-mails with their support staff, to finally get my money back because initially they would only send it to the originating IBAN. That's not bunq's fault really, they did everything according to protocol and I personally don't wrong them for that. That whole ordeal was after all exclusively between me and this company. But: 1) not every customer that goes through such an experience might see it the same way as me, and 2) if bunq would handle this to emulate how it works at every other bank, this probably wouldn't be a problem.
I guess I do have bad luck, and I guess I'm also a bit stupid for still trying to pay with Sofort in February, but it also shouldn't be this way. Peace.
Hey, I was in the same situation and of course I've lost my money. The problem is that sofort Überweisung is as they say only just the man in the middle and not holding your money ( I've got this many times via mail ) . The online shop is using a provider to communicate with sofort: in that case with the hidden/masked/virtual iban the issue appears that the payment that you made is not dedicated to your account, in case of problems, but the terms for sofort and the other providers which are using soforts APIs are clear. If an iban is not traceable to your name / account, then it's not yours and they can not confirm your payment.
The bunq Support tried back this time everything but without a positive result. I also hope they are thinking about changing that, loosing 💰 is not cool.
GerhardAce@equilibri0#164497 Bunq and Sofort are both financial service providers. Losing money cannot happen. So either bunqs implementation is wrong or the recipient is not transferring money back to the correct account, which is not your problem, really.
Has anyone read through the Sofort implementation guidelines and knows how this is supposed to work?
@Gerhard-Yellow-Frog#164517 Hey :) im not argumenting against that. Some online shop just using a provider to integrate there payment solutions on there websites. In my case that provider got from the shop the notification that something went wrong with the payment, transmitted that information to sofort back and now the MAGIC happens :D the check at sofort was not capable to transfer the money back to me because the sender iban which was transmitted from bunq to sofort was not my. It was this virtual pool iban which is not part of my account.
GerhardAceI briefly googled the API documentation for Sofort and it has a function for a refund; does that work with Bunq or is it broken? Has anyone heard an official word on that yet?
I have the same case and if they supply a counterparty with a wrong or misleading IBAN it's really their fault then.
JakobProdigy@Gerhard-Yellow-Frog#164521 They do provide some tools to prepare refunds to the merchant, but nowhere does it say that these tools always have the correct information already pre-filled, and they mention at two places that you can only do a refund if you have the "necessary" bank data ("Wenn Sie ein Konto in Deutschland sowie alle für eine Rückbuchung erforderlichen Bankdaten besitzen, können für Transaktionen im SEPA-Raum mit der Währung EURO Rückbuchungen ausgeführt werden.")
My interpretation from that is that they give the merchants some bank data, but that this is not necessarily the "necessary" data that they say is needed for refunds. Because you can also see in the API documentation that IBAN and BIC for a refund can be manually changed by the merchant.
But without knowing what kind of deal exactly bunq and Klarna have made here, it's hard to know who is at fault. It could (and should) definitely made a lot clearer to merchants that the sender IBAN might be random if that is how Klarna envisions their product. Or, if the sender IBAN should always be the actual IBAN of the sender's bank account, well then of course bunq's implementation is just straight up wrong. (But I cannot really imagine Klarna letting bunq just do this.)
So yeah, whoever's fault it may be: bunq's, Klarna's or the respective merchant's. The current situation is bad for the consumer (and for no reason).
GerhardAce@Jakob-Y#164541 Agreed. Thanks for your insights!
LukasChamp@Jakob-Y#139873 I'm all for using our own IBAN for the Sofort payments. I noticed that the IBAN was not my personal IBAN when use Sofort to top up my account from another bank account.
I recently cancelled two tickets from Deutsche Bahn which I had paid via Sofortüberweisung, and I got scared that I wouldn't receive my refund because of this IBAN issue. Especially after reading that you didn't get your refund from Deutsche Bahn in another thread. But it seems that someone, whether it might be bunq, Klarna or Deutsche Bahn, updated their services, because today I received my refund.
Still, I think it would be nice if the personal IBAN would be used for these transfers.
