I think the current subscription model still offers some space for improvement in order to fulfil the need of certain user groups. For example; family’s with kids, the old Join members and company’s that want to give there employees access to the there Business account. Below my thought and possible solution for this. If there are people with additions or a better ideas, please post them in the comments!
My suggestion would be to introduce the ‘bunq invitee’ subscription. This subscription should cost €2,99 (the same as an extra card) and will include one card, but no bank accounts. The only way to get this account is by invitation of a bunq Premium or bunq Business member. The member that is introducing the invitee member will paying the subscription fee. Since the invitee member is unable to open bank an accounts themselves, other users must share a bank account with them. This can be, a business owner that shares a bank account with a employee, a father that shares a bank account with his child or a couple that shares several joined bank accounts.
Why shouldn’t the bunq Invitee user get a private bank account? This because this subscription is not meant as a budget subscription. It is meant as an option to share one or more bunq bank accounts with a non bunq Premium member. In this way it will not be a realistic and cheaper alternative for a Premium membership.
As a alternative for the ‘Pack’ and ‘Join’ discount options, I would like to suggest the following discount options.
Friends & family discount
Connect with a friend or family member that has a bunq subscription and receive both a €1,- discount on your Premium subscription.
Annual and two years payment discounts
Pay annual instead of monthly and receive a €1,- discount. Pay per two years and receive a €1,- discount, invitation for the bunq update and a free ‘bunq invitee’ subscription for a give a way.
For example; a couple that would like to share a grocery bank account will pay €6,99 (€7,99 - €1,- Friends & families discount) for a bunq Premium subscription and, €2,99 for a bunq Invitee subscription. So in total they would pay €9,98. That’s virtually the same as the old Join account, but at this moment the Invitee member cannot have their own personal bank account. When paying annually they would save €1,- extra a month and pay only €8,98. This will save a total €12,- per year.
At this moment we have two extra subscriptions (Premium SuperGreen and Business SuperGreen) for clients that would like to be green or have there payments automated. I think it’s better to separate these two things and offer it as add-ons. So a ‘Go SuperGreen’ add-on (Metal Card and plant trees as you spend) and a ‘Automate’ add-on. I also see the opportunity for an extra add-on in the ‘Identity’. The ‘Identity’ add-on will give you the option to digitally sign documents and SSO at the Dutch government with eHerkenning.
These were just my thoughts. Please share yours!
