Hi Hans!🤠

Thanks for the suggestion!

It would be nice to see if other bunqers would be interested in this.

Joint accounts are co-owned after all, which gives each owner the right to manage the account.

However, I understand your suggestion is intended to increase communication between owners when it comes to specific transactions👍

So bunqers, would you be interested in this implementation? Let us know🤓

Hi Hans, personally I would find it quite a bit annoying if a co owner has to approve everything I do and backwards. But, I could imagine that this kind of setting would be a nice addition to the Connect feature, because in this case the other person isn't an owner. So, more options to controle a Connect would be great, but if it is a joint account both parties should be able to do everything on their own.

A shared account is, in Dutch, en/of, which means both account holders can use the account together (“en”) or seperate from one another (“of”). What you’re asking for is an account that only offers “en”. In practice, this type of account is usually used when two account holders don’t trust each other (e.g. two parents of one child that have gone through a divorce but still want to jointly save for the child, they just don’t trust the other party to not run off with the money). When you add a second account holder, you basically tell the bank “hey I trust this person to use the account in my absence”. So - do you not trust the other account holder and if so why are you sharing an account with them? And how would you solve this issue: other person links their card to the account, wants to pay for something in a store, uses their card; does the terminal/cashier then have to wait until you approve the payment? What if you’re in a position where you can’t use your phone at that moment?

Yeah no, doesn't really sound like a good idea. Managing together also means trusting each ochter, in my opinion.

Personally I see no reason not to have an option and be able to set up a joint account that is sole signatory or a joint account that is dual signatory. Why only offer the one option? Make it flexible as differing customers have different requirements!

This is not a common option for private accounts. However, this is intended for business or project-/club accounts. However, this is not suitable for card payments.

Because we like to keep things simple. You can have multiple bank accounts at bunq; if you prefer to keep things seperated you can have multiple joint accounts with different level of funds for different purposes...