• Ideas Implemented
  • Apple Pay discussion topic

@Jakob#85315 Het punt van die Rabobank is dat Nederlanders 4,80 euro per maand al te duur vinden maar dat in veel andere landen het nog veel duurder is. En juist omdat het zo weinig is wil men het tarief dat Apple vraagt dus niet betalen.

Volgens mij zijn er helemaal niet zo veel verschillen tussen Apple Pay en Google Pay. Waarom denk jij dat die van Apple zo veel beter is?

    @Jakob#85315 Interesting! Curious if that's the official statement of Rabobank as a whole or just of the local branche. You'd imagine that there are some strategics at play... (-EDIT- Actually missed the tweet statement of the webcare! So it IS an official response! Wow.) The article confuses "efficient" and "cheap" though. The payment traffic in the Netherlands is cheap, but it's not necessarily efficient. Yes, it works - but we have to build stuff to patch some shortcomings. What bothers me as well is the repeat statement that the problem is Apple limiting NFC to their own service. Well, yeah - that's what it was designed to do in an iPhone and quite frankly I hope they don't open it up. (Before lots of people jump all over me: yes, I indeed just said that. :P I see a purpose for walled gardens for certain services - and this is one of them. You don't have to agree and no hard feelings if you don't. ;))

    It's strange that it works in pretty much all countries in the (south/north-)west of the EU, except here... Maybe it's too cheap, heh.
    I don't think a whole lot of people would mind to pay a little bit extra for convenience. According to https://www.nrc.nl/nieuws/2016/12/28/nrc-checkt-consument-doet-zeven-betalingen-per-dag-5946638-a1538743 we have less than a single transaction per day average. (Some days you have more than others, that's normal.). Let's make it 2 average for the heck of it. If you have to pay 1 cent extra per transaction if it's Apple Pay, that's ~€0,61 per month or €7,32 per year. That doesn't sound too bad... Considering that it's actually 1 day average - let's say the banks start charging €0,50 per month extra for services such as Apple Pay and Google Pay. (Note: they can't specifically claim it's for Apple Pay, so they'd have to make it an addon for "enable mobile payments" or something that enables NFC, Google Pay, Apple Pay, Garmin Pay, etc. Apple will actually allow that afaik.) This would cover a large chunk of the transaction costs Apple is apparently willing to settle for (0.05%). Of course with bunq you already pay a rather high monthly fee to have all these functions, but at other banks with cheaper or "Free" accounts: I can understand they might want to use a different construction or addons instead of one size fits all.

    Alas, I bet this won't be possible until the current agreements end. And when they end, I hope we'll finally be rid of Maestro/VPAY as well.
    And I hope room will be created for Apple Pay. But there's another problem lurking: the new EU-rules for transaction caps. Apple will have to adapt their model, most likely. And in the event that happens, I bet they'll change to a flatfee per transaction due each month and the banks will have to figure out how to deal with it. That's already possible now, but the other banks simply refuse to do so at this time.

    Let's hope it changes soon, but I fear Apple nor Google is willing to deal with this here at this time.
    But hey... The least Apple can do is make it available on bunq officially. Rabobank already stated now they're apparently not interested. If ING and ABN have similar thoughts: no point in negotiating and screw them. Make it official here, anybody who wants it can move over (golden opportunity for bunq to have a more entry level package as well perhaps, to draw more people in) and those who don't care can stay where they are. But then at least people have a choice to use Apple/Google Pay without having to deal with workarounds and fear it might stop working.

    So instead of asking the banks whom refuse to continue, perhaps it's more prudent to start giving more feedback to Apple to at least release it here through bunq. And heck, I bet banks like Revolut and N26 would be happy to join in on the fun as well. Multiple banks, just not the big ones. :)

    P.S. They're saying Apple Pay puts up restrictions none of the others do. The letter specifically states Google Pay does not. Which begs the question... Why is Google not interested in launching Google Pay here either? :P Apparently the Rabobank is feeling OK with GPay but isn't getting it. That's a bit confusing.

      @Hemmik#77142 waar is dat persbricht gebleven? 't is foetsie van de site van pin.nl wel nog via google cache te vinden: http://webcache.googleusercontent.com/search?q=cache:Rj6EsxjnlfsJ:pinnenzakelijk.nl/pers/nederland-kiest-voor-beperkte-rapportage-interchange-fee-verordening/

      UPDATE: ING kondigde vandaar, 1 mei, op de dag van de Arbeid aan, Apple Pay te zullen lanceren in Nederland, bunq volgt snel volgens diverse bronnen. hou together, de twitterfeed en de website van bunq dus goed in de gaten! Duimen maar!

        8 days later

        Dan zou het voor ons ook niet meer lang duren waarschijnlijk!

          @Jelle-B#88068 Dit maakt duidelijk dat niet alle banken Apple Pay gaan ondersteunen!

            @Jelle-B#88068 Geweldig nieuws! πŸ‘Œ Zeker omdat bunq 🌈 de gewoonte heeft om altijd snel te volgen ;)

            Op zich wel apart want CEO Hamers vond diensten als Apple 🍏 Pay altijd een "dure en ouderwetse oplossing" πŸ€¦β€β™‚οΈπŸ™„

              Misschien dat ING een tijdje β€œexclusiviteit” heeft in NL en dat daarna de overige banken volgen.

                @Jelle-B#88068 It had been five years since the announcement. How incredibly slow

                  Bij Bunq werkt het al in NL is bewezen, dus neem aan dat het voor Bunq direct in kan gaan ala het nu ook officieel in NL komtπŸ˜›

                    Hmm so I can move back to The Netherlands and say arrivederci to Italy, my temporary residence for last twelve months. Nice for everyone at ING and others banks who will join in. Won’t change much for most of the adventurous bunqers who settled in surrounding ApplePay countries.

                      @MarJamJars#88087 Nah, but there is more incentive to move (back) to another bank when they start offering AP as well ;)

                      It is very good news indeed for everyone that AP is finally coming to the Netherlands... Last country in this part not to support it officially haha. Curious if bunq joins in on launch day.

                        The support team on Bunq's twitter are currently still saying:

                        "Apple Pay is currently only available in Spain, Italy, France, Germany, Belgium and Ireland. If this ever changes, we’ll be sure to update this topic here: https://together.bunq.com/d/521-apple-pay πŸ‘".

                        So either they haven't been informed, have been told they aren't allowed to give anything away yet, or worst of all: Bunq isn't going live with Apple Pay on launch day.

                          I didn’t mean to move or change back to another dutch bank again. And certainly NOT to ING. I became a customer with bunq on the first day of introduction and see no reason at all to end this colorful relationship. To me the best mobile banking solution! ❀️🌈

                            There is something strange about this news.
                            Apparently, getting Apple Pay was available all the time, and ING just now decided to accept and implement it.

                            So why didn't other banks AND BUNQ IN PARTICULAR, not do it before?

                            What is the reason?

                              @JJ#88101 It's definitely not a matter of "It was available but they only just decided to implement it". Bunq had a workaround for a while where you could activate Apple Pay by setting your region to Italy, but they were quickly told off by Apple.

                                @Vincent-Green-Akita#88102

                                Why would one use a workaround if one can simply implement it regularly?