RoyAceWat was er mis mee geweest om het verhaal uit Old & discontinued memberships - moving forward to the future meteen te benoemen?
Is er dan werkelijk zo weinig vertrouwen in het aanpassend vermogen van de gemiddelde klant?
Als dat was gebeurd en men niet zo extreem zuinig was geweest met 3 maanden Premium, dan was ik gebleven.
Nu is m’n vertrouwen weg (en m’n centen ook).
MarioChamp@Patrick-Magenta-Wolf#156152
Thank you for this message Patrick! I find it to be the perfect way to frame and write up of the situation.
Hope it reaches the folks working at bunq.
@Ketan-Navy-Swan#156241 OpenBank is ook goed? Haha, hier moet ik toch wel een beetje om lachen.
Ik heb een tijdje geleden ook een account bij OpenBank aangemaakt zodra ze zich profileerden als nieuwe online bank (van het grote Santander), maar wat een waardeloze bankervaring bieden zij. Ten eerste is de app van bijzonder slechte kwaliteit. De interface ziet er niet uit en de informatie bij transacties is erg beperkt. Daarnaast moet je voor de kleinste zaken telefonisch contact met de support opnemen, waarbij je vervolgens een code moet doorgeven die je per fysieke post thuis gestuurd hebt gekregen om je te identificeren. Deze code kun je maar beter ergens opslaan, anders kun je de bijna niets.
Gratis is OpenBank wel, maar ik heb mijn rekening er binnen een paar weken opgezegd (zo slecht is het). Als je OpenBank goed vindt, dan ben je niet de doelgroep van bunq.
Bunq is een premium online bank die de zaakjes (qua bank ervaring) helemaal op orde heeft en daarom ook alle reden heeft om een premium prijs te rekenen. Desondanks zou het slim zijn als bunq ook een doelgroep aanspreekt die minder te besteden heeft. In mijn ogen kan dit beperkt blijven tot slechts een (gratis) kinder rekening (bij een inmiddels al vaker bespreken “Family abonnement”) moeten aanbieden en korting op bunq premium geven voor studenten.
Voor de rest is Bunq Pack een prima manier om de volledige Bunq experience voor €5,- per maand te hebben.
Qua communicatie snap ik dat mensen boos zijn als bunq heeft laten weten dat een account altijd gratis zal blijven en ze de ondersteuning voor die accounts opheffen. Vanuit bunq gezien is het wel een logische stap in de groei van het bedrijf en dit zou voor eenieder hebben kunnen voorzien. Hier had bunq veel beter over moeten communiceren, waaronder de waardering moeten uitspreken voor de gebruikers van het eerste uur.
GijsjeRookieMijn kind heeft een eigen Bunq Free account (€1 p.mnd. voor zijn bankpas) en nu dus een Premium. Dat is dus een fikse prijsverhoging. En allerlei betaalfuncties waar een 10-jarige niks aan heeft.
Waarom is er niks voor kinderen/jongeren bedacht?
LRookie@Navy-Falcon#155974 I'm actually sure that they considered the corona situation. It is no coincidence that they NOW chose to initiate this whole thing. They aren't as naive as they're pretending to be, and they know bloody fine that people don't care about reading newsletters now; not to mention the whole procedure of switching banks that would follow! Looks like a conscious choice to me, considering the fact that their whole communication act is to cover up that it was purely a financial choice and not one aimed at customer satisfaction. This makes it even more infuriating for me. Although I had a free promo account, I wouldn't have known I would have to pay after 3 months hadn't I read the mail. Not reading a newsletter from a bank (you're not paying for) is a very understandable thing during this crisis.
WouterChampI'm surprised hardly anyone is making the point that we put our hard earned money on Bunq, and with that money Bunq can either invest, or at least have collateral to invest, or whatever business model is behind using our money to make money for Bunq, And that's all fine, but I should not have to pay for this privilege...
Banking services in the UK (where I used to live) are generally free, free accounts, free credit/debit cards, etc. Again, banks make money with the deposits we collectively do.
It's fine to charge a premium for special services, but if you just need a basic account, no cards (or perhaps 1 card), then why pay so much money, when up to 1/Apr it was free. Sorry, that's not making me happy.
At least look at Tesla/super charges, only NEW users will have to accept new pricing structure, while existing users can still continue with old pricing structure. That's how you keep existing customers happy, while being open towards new customers.
I hope by all these comments, Bunq will reconsider, but otherwise indeed we have a few months to look for alternatives and transfer out. I realize Bunq is hoping that many of us are too lazy, and simply accept paying the new fees, but hopefully those of us who are unsatisfied, will follow true with their promises, if Bunq is not reconsidering...
(and now let's hope my message doesn't get deleted again, since Bunq is playing games here as welll)
MJamWizardI would just strongly advice everyone who is thinking of switching at the moment to try Openbank! 😉
Find out for yourself what a FREE bank account means here. You might very well very soon come to the conclusion that paying €5 in a bunq pack and have all premium features is not so bad after all. It puts things in right perspective to see how others are doing. So go ahead and see you around. 👋🏻❤️🌈
@Wouter-Red-Swan#156313
I'm not defending any of bunq's choices here from last 3 days but you definitely have no idea how bunq as a bank works. They started of trying to be a full-reserve bank, meaning they kept all our deposits at the ECB. So no lending or leverage or investing, just the membership fees covering the service. Unfortunately our banking system and regulation isn't ready for that... The ECB has had a negative interest for a while now and to get and keep their banking license it's mandatory to park money at the ECB and invest in (national) bonds (perhaps some other things too). Obviously bunq didn't want that, as they kept all our money safe and clean but change was inevitable with the rising negative interest of the ECB. Massively increasing the costs of storing our money there.
The community also noted that they thought keeping all that money in a big virtual safe wasn't going to help the economy or at least help it grow. So to keep pumping money in the economy bunq decided to come up with Freedom of Choice and MassInterest. You choose where bunq invests your money in and after taking their costs we get a fairly high interest in return. So far up to 27 times higher than morter and brick banks, currently MassInterest is still 0,27%. They still don't earn anything with our money here.
Traditional banks use all possible ways to make more money, either with your money or in some cases even your data. Did you know a traditional bank makes money with your money, when you think it's just waiting for you in your account? Many don't. And yes, they decide what kind of investments. We’ve all seen the newspapers with the shocking stories about the investments of certain banks right?
Traditional banks have a bigger range of products next to their current accounts. For example; mortgages, overdraft, loans, investment tools, insurances and much more. Reason why your current account is (almost) for free? They will do everything in their power to cross-sell any of their wide range of products, losing money on your current account. You might understand that bunq needs to find different ways to cover the costs of their operation as they have a very select product range. They thought a clear pricing model would be a perfect fit, no hidden fees. A subscription based model is what suited best and that was the birth of Premium.
MJamWizard@AlexS#156207 Your list of alternate banks shows exactly that when people do want a metal card subscription, the bunq metal option with Supergreen in combination with pack is only €0.01 more expensive than with Revolut. So in fact one of the cheapest options to pay with metal.
LRookie@MarJamJars#156315 Paying €5,- a month for an account with a bank that changes pricing policies for accounts with nonsensical surveys and fairy storytelling sounds like a really great idea, all while removing critical comments and closing topics. Remember that FREE accounts are also transferring to the paid model without ANY agreement. It's important you can trust the company that handles YOUR money and honestly I cannot understand anyone is still willing to support Bunq after this debacle.
WouterChamp@Tim#156316
I was aware that initially Bunq didn't invest, but 2 yeas later, and Bunq is now investing our money, to make money (they don't just take their cost, but obviously some profit too)
A few years ago, Bunq advertised with free accounts, and now Bunq has increased the fees of my free account to €8/m
So just because Bunq is promising something at one stage, doesn't mean Bunq is keeping its promise. And as such, Bunq is slowly moving towards different business models (for whatever legitimate reasons), and becoming less different to other banks.
What is there to say, that Bunq won't start with mortgages in 2 years? Even if they promise that today, we now know that they won't keep their promise forever (for whatever legitimate reasons)
Would be interesting to see Bunq's financial statement, and see how much money a consumer would need to have in his account, before Bunq will make a profit on a consumer.
MJamWizardI know what you mean. Off course this matter of trust is a personal thing to weigh. For me the bunq mobile bank app is still the best I can get among all fintech banks. So I do have full confidence in that. That doesn't mean I strongly agree that the way bunq is handling, treating and communicating with customers could be wayyyy better. For me as a first-day-bunqer still no reason to leave now. But I guess everyone is making their own choices.
WouterChamp@Wouter-Red-Swan#156327
To add
In 2018, online bank Bunq made a loss of over ten million euros. The source mentions that the company founder invested some of his own money to compensate for the losses. This does not mean the Fintech is doing badly, though, as the company's income from deposits made by their clients increased to approximately 211 million euros in 2018.
So they are definitely making money of our accounts...
LRookie@MarJamJars#156329 I'm glad that we agree on the communication part, and I'm honestly also glad that you're so happy with Bunq and that you're staying, but for me things that have been happening the last few days are huge red flags. I want to strongly advice people to look at the whole picture, to decide whether or not a party that doesn't announce changes to policies through sugarcoating is a good party to trust with your money.
Hi @Wouter-Red-Swan#156332
bunq doesn't make any money of the users deposits on its own, this is actually the part that costs them a tremendous amount of money . The more people deposit, the more costs bunq basically has. Revenue is generated by (subscription) fees and by interchange fees when people pay with their card. In 2018 bunq had 3 million in revenue from (subscription) fees (and other incomes?), all other losses/costs are solely funded by the CEO/sole owner. So far running easily over 50 million in personal fundings to make up for it.
ToVoRookie@Freek-Maroon-Quokka#155999 That's it. I had the black friday deal and was happy with it. Even considered going Premium. But what stoped me last year was that the Supportagent said I would get the 10€ for the Apple Pay Promo, and afterwards they changed ther mind and it didn't matter what they wrote. When they do not even care about what they say if it is only 10€ then what if I would have a bigger problem. Also there is no phone support. Now they broke their promisses again. Not reliable.
My Bunq Together Post was cesored back then. Not good at all
SanderAceZie ook het bunq topic op Tweakers.net met veel bunq-fans, maar vanaf hier 400+ reacties aan teleurgestelde bunq-gebruikers, beloften die bunq zelf heeft verwijderd maar die terug te vinden zijn in de Google Cache, dingen die bunq anders had kunnen doen, alternatieve banken en andere afwegingen.
Er zitten ook tevreden gebruikers tussen. Het topic is van origine namelijk vooral een fan-topic. Maar het geeft wel een eerlijk beeld van de situatie weer, omdat reacties, zowel positief als negatief, evenredig mogen blijven staan en niet gecensureerd worden.
Geert-MennoChampIk ben bij Bruna gekomen omdat het een bank was die het helemaal anders aanpakte. Betalen naar gebruik, fatsoenlijke communicatiemiddelen, een mooie app en functionaliteiten waar menig andere bank een puntje aan kon zuigen.
Helaas is de voorsprong weg, betaal ik wanneer ik zou blijven de hoofdprijs en communiceert men op een onduidelijke en naar mijn gevoel achterbakse manier.
8 euro per maand is te veel. Bij Bunq zal men al gezien hebben dat mijn rekeningen een groot deel al leeg zijn. De opzegging komt eraan.
Jammer. Het begon zo mooi.
PauloRookieAls ik bunq was zou ik het simpel jouden. Een basic account met 3 rekeningen voor €1,80 - €2,00 per maand waarmee je alleen transacties in Nederland kunt doen. Geldopname, buitenlandse betaling en alle andere zaken kosten extra, per transactie of doorlopende optie voor klein bedrag per maand. Ik denk dat er nog steeds voldoende afkeer van grote banken is en daardoor ruimte voor een disrupter die de markt van onderaf kan veroveren en als 'volksbank' zou kunnen gaan functioneren waar soms over wordt gesproken, maar dan moet je voor de massa gaan die goedkope en eenvoudige diensten wil en niet gekunstelde premium pakketten met zaken waar bijna niemand op zit te wachten (25 of meer rekeningen?). Precies wat dispruption is all about, als je de oorspronkelijk en zuivere vorm van de methode aanhoudt...
NadineAce@Hendrikus-Yellow-Lynx#156513 Gehen Sie einfach in ein Pack bei Bunq dann haben Sie volles Premium für 5€ im Monat.
