I remember (the story of) bunq from when it wasn't open for the public. For me, the whole concept of a 'bank' that doesn't hire bankers, but hires nerds, was ground breaking. It's like a bank that's started by your peers, specifically for people like myself. It felt personal and kinda 'nerdy'.

That concept led to me following bunq. I tried it once during the old price model and was a bit confused by it. Better said: I'm more of an 'all you can eat' kind of guy. Eventually I came back on board after the pricing model was changed and (although more expensive) a lot clearer.

The simplicity and different views really made bunq something else than the traditional banks I used and have worked for. From the terms of use, the sign-up to the actually use, it was all so much easier. This made me decide to cancel my other accounts and do everything with bunq.

Shortly after that my girlfriend (who is originally British) moved back here and we wanted a shared account. After some considerations and having a ton of hassle with ING, she was fed up and wanted to try bunq too. Showing her how easy it was to create her account and creating a shared account for us, convinced her within minutes to go all-in on bunq too :).

It's not a very interesting story, but I think it's one that many people can recognise.

Now, being brutally honest, I do hope that bunq will keep paying attention to these points. With the new artwork and new website I'm honestly not entirely sure if I would sign up if I were a new user (not because the product isn't good, but because it doesn't appeal as much to me anymore): it's lost a bit of it's simplicity and 'nerdiness'.

I hope that feedback like this is why you're asking this question, Ali. All that remains is for me to say thank you for the amazing product and investments you're making to make this work. And of course thank you to all the bunqrs that made bunq into such a cool product.

I like to try FinTech/banking apps and I consider myself as being a payment nerd. So I also came to test bunq.
First I was watching some videos on Youtube and I was really amazed that the Update sessions have a very Apple-Keynote-ish touch, which I liked.
Also I couldn't believe that there was merchandise for a bank. I can't imagine this will come for any bank I know
I've been using it for about two weeks now and what impressed me the most is the phenomenal support. They answer to request very quickly and are helpful in most cases.
Features like Dual PIN or the revolving CVC are really nice and strong arguments for using bunq.
Currently I'm still in the trial period and although I like what bunq has to offer, I'm not convinced to pay 7,99/month for a bank account.
I'm using YNAB for budgeting so I don't have much need for the 25 bunq IBAN accounts.
Maybe I will become a paying customer once there are other pricing options. I know there's bunq packs, but I would prefer something where I am not dependent on others, like for example a couple's premium pack for 10€/month

At first I needed an iBAN for my newly born daughter as fast as possible and Rabobank kept failing so I googled a bit and found bunq, in 10 min I got her her own iBAN. I was immediately very impressed with the speed and looks of the app and when I learned there was no web interface I got curious as to the why and how of bunq and read all about the philosophy. This perfectly matched how I felt about traditional banks and I wanted to switch immediately but then the pricing model changed and I learned that Rabobank will cut my mortgage interest discount if I leave completely. So I enjoyed the classic/free bunq for a bit and started thinking about how to justify the price and a second bank next to Rabobank (the geek/tech appeal is there for me, but do I really need it...). But then I saw Ali on DWDD (dutch TV) explaining about the how and why of a DDOS and how to protect against them and I felt a bit of a man-crush coming on. Here was the CEO of a "bank" telling it how it is, no spokes person with convoluted techno-babble just a guy that knows his s..t. I decided to go all in mainly for the philosophy and by that time there was an API and a very nice desktop app already (which I don't use but I very much appreciate that it exists, I'm sure I will use it at some point).

Also, together is great and the near instant feedback is something that I appreciate a lot. Sometimes I don't agree with choices but the responsiveness of bunq make me very forgiving and it inspires trust (the price change was handled with grace by the employees on together, I remember specifically Koen). So, now I have much more ordered finances. And after killing my old account and downgrading my "samenrekening" bunq is only 2-3 euro's extra in cost which is nothing in comparison to what you get extra with bunq.

Also, things like using my card with a group of friends by setting a secondary pin linked to a separated iBAN topped up by easy to track requests thrown in a WhatsApp group is gold (although that flow changed a bit in v8, I'm confident the future will make is at least as easy as it was ;) ).
Edit 2018-08-02: And the request sharing is back, you see, bunq listens. I love it.

So, keep it up, I'm a happy customer and I look forward to what the future will bring! I don't mind changes in things I have gotten used to, I like how you experiment and make hard choices that not everyone agrees with immediately. So far everything turned out very well and I have confidence that bunq will only get better and better.

In 2015 I read an inspiring article in NRC Handelsblad about bunq being the ‘WhatsApp for banks’ and it made me curious enough to download the app immediately. At that time I had just transferred from Rabobank to Triodos, mainly because of the bad investments of Rabobank. And than all of a sudden there was bunq, all digital and innovative without the bad stuff.

After spending a few years with the app – and much appreciating the growing number of features and the transformation into a grown-up user interface – it was the introduction of Apple Pay that finally made me switch from Triodos to bunq. And I’m glad I did it. Triodos may be the best of all the old dutch banks, but still did investments that weren’t my cup of tea. Also they sended an unnecessary printed and plasticized magazine periodically. And they have an app from the stone-age…

In the four months that I’ve used bunq as my only bank it striked me that I have gotten a much better insight in my spendings through the notifications, the use of piggy banks and because I spend way more time in bunq's money app than I did with the others.

And it’s no secret that I really love the request functionality :)

One card to rule them all!!
I seriously dislike wallets. And keys but that's another story :). The fact that I could have just one card and swap it between my own, my company and my shared accounts was all the incentive I needed. From 8 to just 4 cards in my wallet. All I need now is Apple Pay in NL and an on phone/wallet OV pass and digital drivers license an I can toss out my wallet permanently. #firstworldproblems ;)

Thanks for that :)

P.S. The app is amazing as well

I probably have the most weird story.... I bought a vps server from transip and you had to fill in your IBAN number. As example it says a random IBAN number with bunq in it. I didn’t know bunq and searched on Google, How this story ends you Can already guess....