Let me say: this is good

JohnDo

Eric I just wanted to say it is going in the right direction. Still, the app is worse than V2, and I do not understand why this is a “giant leap in banking”,

Hi 👋🏼 Eric,

Good to read you see beginning to see some light 💡 at the end of the tunnel. I got the agree, it is definitely going in the right direction.

I think bunq meant by “giant leap in banking” that V3 is the new foundation on which more cool stuff can be build on. V3 isn’t just cosmetically a new app, but also technically. So all the good stuff under the hood we don’t see on the outside, will be the new engine for cool new stuff.

I also thing V3 is showing that bunq is focussing more on being the bank that is the best choice for the free spirits that want to contribute to a better world. But then again, that is just what I think. I can’t name a lot of banks (especially fin tech banks) that are active in that segment 👌.

But anyway, I will stop my lecture now 😂... Enjoy your Sunday!

Eric-Green-Badger

John Do Thats what I am hoping as well. If this app is a path to new things, that is great, but they presented it as the new big thing, while it isn’t (in my opinion). Also, it doesn’t stroke with Ali saying that “we don’t understand it”.

Also, I understand the green initiatives. I think it’s good they have a vision regarding that. I sincerely hope they will keep supporting us techies as well (don’t phase out “Premium” or make distinction in features with SuperGreen bigger). SuperGreen is for people who want to be Co2 neutral, premium for the others. Personally, I will stay with bunq, as I love the features (no other bank has these awesome features), but if they decide that Premium will be the new “More” I am out (and I think many many others with me).

Have a great sunday as well! Your dog father gets a visit today?

alessandroalise

John Do Il modo con cui difendi bunq in maniera unilaterale è imbarazzante!

Andys

John Do Why do you close threads which criticize V3 and refer to other existing threads? This thread with quite positive feedback you do not close and do not refer to existens threads for feedback.

JohnDo

Eric yes he will 😂

Robert-Red-Lynx

Hi Eric,

I am one of those beta testers as well and fully agree. Bunq has lost credit with me but they can regain it back. I am negative in the sense that the rollout of this is horrible. We needed more time to test the abilities and maybe move some features around. The amount of bugs was to huge, when people don’t see their own money they will scream murder.

Still bunq is the only bank I’ll go for, might make me grumpy at times though ;) Compared to the old skoop banks fully focused on profits I’d rather stay here. My old features are mostly there, some are just hidden very well. Bunq tried to play hide and seek with this roll out....

The crowd control was horrible, felt like we had watercannons versus the people voicing their opinions. Must admit, some were very vocal and plainly rude. On the other hand my wife asked me how she could switch back as well. That just indicates this is a poor roll out. The change way to big and to sudden. We didn’t all watch the livestream...

I sincerely hope people stick around and give bunq the benefit of the doubt. It’s still a great app with strong features and a bank like no other. How long that last one stays is to be revealed in the future.

Petrus-Olive-Tiger

Rogier Bunq is als een meisje met een foute vriend. Je wil er wel afscheid van nemen en wordt af en toe teleurgesteld, maar dat kan je niet wat het is toch allemaal wel spannend wat er allemaal nog voor opwindends gebeuren gaat!

R

I definitely agree with most of what you’re saying, including that the app is very slowly moving a bit in a better direction (still not at the level of V2 in my honest opinion).

To use the same example as you have used: when you click the ‘plus’, you used see some vague marketing written statements. Currently, you actually see a much more functional button. However, it STILL has some of the marketing talk written under it.

I think overall this is a positive change :)!
I do hope bunq will soon start to realize we don’t always need to see that every button we click ‘is gonna make our life easier’ or gives us ‘a beautiful’ card. Just let us open an account or order a card, without whispering that we’re making the right choice. We know we are making a good chocie ;).

Rick-Ol

Eric Well said. I hope bunq comes with a kind of statement.

JohnDo

Alessandro Alise if you would know me... and did follow me a bit here... you would have know that I also can be critical (yet constructive) towards bunq... also in regard to V3. The difference is that I choose to stay positive :)

Enjoy your Sunday 😉

alessandroalise

John Do Non si può essere costruttivi con chi non ascolta! Bunq non ascolta i suoi utenti e i migliaia di commenti qui ne sono la prova!

Heiko-Hartwig

Alessandro Alise Da bunq nicht antwortet, können wir die Reaktionen gar nicht beurteilen - also wir wissen nicht, ob jemand zuhört oder nicht.

alessandroalise

Heiko Hartwig Pensi davvero che bunq non sa cosa stiamo scrivendo su Togheter?

Heiko-Hartwig

Alessandro Alise Habe ich das geschrieben? Ich vermute, dass hier fleißig mitgelesen wird - aber wir interpretieren das Schweigen eben so, dass sie nicht zuhören. Das kann total falsch sein.

Sven-Cyan-Kiwi-2274695024

Eric Cor Meskers 🇳🇱
You both sum it up precisely: @bunq has totally destroyed my (and I think of other bunqers, too) trust in so many different ways. Before I joined bunq I didn’t trust any of those neobanks and fintechs, but by joining I gained trust into bunq within a few days because their core banking system is awesome, thought out very well, and “just” working, so I moved nearly all my money to bunq, and banking has been kinda fun from that point. Now it feels like a mistake. There is no other business than banking that relies that much on the trust a customer must have into the company – this is no game or something, we are talking about money, OUR money. I lost my trust because of
- I don’t believe phrases like “we are closely listening to our users” anymore, because they didn’t listen to all those beta testers that spend so much time (is this lost time being considered in the “time saved” nonsense btw?) and effort finding and reporting bugs and given constructive feedback. Instead of listening and fixing they spent their time muting, hiding and censoring them, even tried it on reddit. And now as not only this “noisy minority” but all other users are complaining about the same things, now bunq is listening?! This together community is amazing and adds such great value to bunq, they don’t deserve to be kept down.
- I can’t trust anymore that my money is safe here, because so many (or just the “noisy minority”) are going to leave.
- how can this v3 get into production with all those known bugs (known since the beta testing), look at the list of (now partly) fixed bugs: https://together.bunq.com/d/30167-v3-known-issues I’m a software developer in private banking business myself and my company would never ever have released a version with so many essential issues like “Total balance doesn't reflect the actual total balance (iOS)” to name only one or that my “money saved” shows 0€ for ZeroFX, but I have single payments telling me I saved money due to ZeroFX, how can those sum up to 0€? Can bunq even count and can I count on them? And that is only the “official” list. And I don’t speak about having only dark mode or that card types can not be distinguished. That are minor bugs or unimplemented features that might happen if you do a complete redesign, I don’t care about that. I care about things like business accounts not showing up, …
- I can’t trust anymore in “At bunq, we really care about your privacy.”, when an Instagram feed is integrated into a banking app and when beta testers complained about that this is not conform to the GDPR bunq at first disagreed (would love to show that comment, but it’s “gone”). I know meanwhile Instagram is not integrated directly anymore but that is still “fishy” and not trustworthy.

Generally speaking I’m disappointed and sad. Moved my money back to my old-fashioned bank, opened an account for my daily spending at a new mobile banking startup that started this month in Germany, and will downgrade from Premium to Travel Card only at the end of the month.

aliseeditore

Sven Grande verità!

Eric-Green-Badger

I just wanted to add something.

People are (were) talking about censorship, but I don’t see this as censorship. I get that together can be a mess sometimes because there aren’t subforums or something. But, deleting or hiding it (in the time of the beta) showed ignorance: we have a bigger picture, and what you guys think is irrelevant to the bigger picture. Especially since you went live with the monster, and only listened after the sh*tstorm. You were expecting the storm, but I truly hope you were expecting this. I get that we do not represent your user base in any shape or form, but please understand that we are human and in that sense represent something! There were people with non-constructive criticism, but it made you believe that all 400 beta users were non-representative (assuming almost all 400 users were evenly negative and you just went live). We are in a telegram group with a whole lot bunq fans (hundreds) and 92% of them agreed on the fact that the update is bad (8% said it was good, the other 92 were divided between “I need to get used to”, “bad but I am staying with bunq for now”, and “bad I will leave bunq”). You cant ignore that. You cant

JohnDo

André We close all (not just the ones with criticism) and refer to 2 topic to keep things organised.

For constructive feedback go to: https://together.bunq.com/d/30470-exploring-the-amazing-bunq-v3-let-us-know-how-we-can-make-it-even-better-2/

For questions go to: https://together.bunq.com/d/30043-additional-questions-about-bunq-v3-2/

So, that’s why

Arjan

I’m sure that bunq will iron out the remaining 20% (that actually should have done in a decent beta, but ok) in the next few weeks/months, that is not my biggest concern (but it still is a concern). I’m sure that the V3 design is a matter of taste and maybe acquired taste and we all know that taste can’t be debated. That is not my biggest concern (although it is still a concern, I like my bank app not to look like a flipper game).

All the fancypancy saving the tree stuff is also not my biggest concern, I do value the environment (I do drive a Tesla and I did recently buy myself a decent PV installation that soon will provide my house and car with a decent amount of self-generated energy, besides the green electricity and gas I’m already buying from the grid) but I think that if you don’t buy such a product you should not be bothered with senseless counters that use a quarter of your main screen. That is also not my biggest concern, but it is irritating me the same was as the useless Instagram feed is irritating me. I don’t need my bank to plug itself constantly in the app.

What then IS my biggest concern? It’s the fact that I no longer have confidence that bunq can be trusted in a certain philosophy or vision. They changed completely from a nerd-bank that is all about technology that makes my financial life easier to a hipster bank that is all about marketing and trees. They literally went from “bank of the free” to “bank of the tree”.

Also I no longer trust them with their pricing approach. In the early days they promised me a free account with just 10 cents per PIN/debit transaction. Then they changed to 1 euro a month per card strategy. Then they went to the all you can eat approach for 7,99 with the premium approach. Then they introduced several other subscription forms that I personally never used as I was a Premium/pack member, but also killed these models again. Now they introduced SuperGreen recently. Fair enough if it’s just about the metal card (I don’t care) and the trees (I personally don’t want my bank to do that for me but why, if others want that that is okay with me) but what bites me is that there are now early signs that some regular features are no longer available for Premium. What happened to “all you can eat” then? Seemingly more and more newer functions will be implemented in Premium SuperGreen and the old Premium is now the “not so premium anymore” model.

It’s only a matter of time before Premium will be killed. Bunq is seeking for more revenue and SuperGreen is the new cashcow. I’m sure there is an audience for that and I’m sure they anticipate a part of the userbase to leave bunq when that happens and I’m sure their models predicts a higher ARPU and a higher total gross margin, even considering the churn they will see because of this.

However, it makes me feel uncomfortable as I can’t trust bunq anymore. What will happen next year with the pricing strategy next year? And the year after? And the year after?

Sorry, bunq has a great product but banking for me is about trust. I trusted them for quite a few years now but my trust is gone. And that won’t be fixed with a few bug fixes in V3 or even rolling back to V2. My trust can only be regained if they would stick to what Netflix is doing: offer a all you can eat model and keep that pricing more or less steady for years and years to come. Currently but is not able to do that and hence I’ve moved all my money and daily financials back to my other and former bank account which was still dormant in a drawer.

I truly wish bunq good luck and a lot of succes and I hope they will succeed but for now: so long and thanks for all the proverbial fish (I’m a vegetarian)...

Heiko-Hartwig

Interessantes Interview mit @Ali zu lesen unter
https://www.geldinstitute.de/content/finanzen/geldinstitute/de/business/2020/-ein-voellig-anderes-geschaeftsmodell-.html