MarkRookie
Situation / Description
At the moment Bunq ideal requests cannot be higher then €10.000.
There is a very good reason for that: ideal payments are NOT instant, in reality Bunq "fronts" the payment for you while waiting for the actual amount themselves. So it just seems instant.
Fronting more then €10.000 can get a little risky for Bunq.
Idea / Feature Request
But I would suggest that for amounts higher then that, we get the option of waiting for the actual ideal transfer to happen and not have Bunq front the payment for us. Best of both worlds: I know it has been paid (Ideal confirmed that the customer did his thing, but the funds have not been received yet by Bunq) and the customer has an easy payment method (Easier than typing it all in their archaic, old, banking system with IBAN numbers etc.)
Why?
I'm a contractor/zzp and I do actually send such requests monthly.
Possible other solutions
## Sending multiple ideal requests.
Well yeah, sure, but that is not very customer friendly; plus, now Bunq still runs the risk which we want to avoid.
## Make the other party use Bunq as well
Hehe, agreed, that would be awesome, but certain larger Enterprises wont be so easily swayed to move their financials to a different bank ;-)
## Waiting for an Ideal payment is the same as waiting for a traditional IBAN transfer
Yes, but the easier I can make the payment process itself, the faster people tend to do it instead of waiting for the last moment or forgetting it completely. Especially for customers without dedicated finance departments. Plus, we are Bunqers, we don't do anything as old fashioned as that. IBAN transfer is sooooo 2017.