Hoi, ik doe het even in het Nederlands omdat dat voor mij makkelijker is. Ik heb momenteel 4 rekeningen lopen. Ze heten:

- Bunqrekening

- Periodiek

- Sparen

- Gezinsrekening

Op de Bunqrekening ontvang ik mijn salaris en betaal ik mij dagelijkse dingetjes.

Op de rekening Periodiek ontvang ik geld van mijn ouders en betaal ik mijn vaste lasten. Dan hoef ik geen rekening te houden met vaste lasten op de rekening waar standaard mijn pas aan is gekoppeld.

De rekening Sparen spreekt voor zich.

De Gezinsrekening is een rekening met mijn hele gezin, zodat ik voor boodschappen etc. niet na elke betaling geld hoef terug te vragen aan mijn ouders.

Ook had ik voor mijn vakantie afgelopen maand nog een rekening lopen. Hier had ik ook geld op gespaard, tijdens de vakantie was mijn pas aan deze rekening gekoppeld.

Zoals in de afbeelding. Pas voor de dagelijkse uitgaven, sparen om te sparen, overige voor incasso's en vaste lasten en dan nog samenwonen voor de uitgaven die mijn vriendin belangrijk vindt zeg maar...

Eén rekening voor de vaste lasten.

Eén rekening voor spending money.

Spaarrekening bij andere bank.

Heel simpel:

Betaalrekening, gezamenlijke rekening, vrije tijd, spaarrekening, rekening voor met de sportclub en een potje omdat ik binnenkort ga verhuizen. Oh en toen ik op vakantie ging met vrienden hadden we een gezamenlijke rekening speciaal voor de vakantie.

Heey, hier ook even in het Nederlands 😉.

Ik ben nog maar net over naar bunq, ik kon maar geen afscheid nemen van die oranje leeuw... ik gebruik de rekeningen tevens om te budgetteren en heb het daarom vooralsnog alsvolgt ingedeeld:

1: Binnenkomend salaris en belastingen

2: Vaste lasten woning

3: Vervoer kosten

4: Zorg kosten (premie en buffer eigenrisico)

5: Huishoudelijke uitgaven

6: Ontspanning

7: Vakantie

8: Buffer voor tegenslag

9: Sparen

10: Potje voor opleiding

In de praktijk zal moeten blijken of dit werkt, elke maand na het ontvangen van salaris verdeel ik het automatisch over de rekeningen. Hiervoor bij die oranje leeuw had ik alles via 1 rekening lopen en weinig overzicht, daardoor betrapte ik mezelf er dan toch telkens op dat je bijna ongeremd geld uitgeeft...

Nu hopen dat ik wat meer overhoud... 😉😉

I have my 3 accounts separated for mainly (additional) security purposes:

1) transaction account that I use for outgoing transfers to third partys, whom I trust (as a customer), i.e. direct debits and everyday transactions for online shopping

2) personal account, only for transfers between my own accounts with other banks/payment services/investment accounts. Not giving out this IBAN to other people (except family)

3) account strictly for incoming payments. I would give this IBAN to buyers when selling something in an online forum, on eBay, etc. Any (fraudulent) incoming direct debit request would prompt me to 'burn' this IBAN by closing the account. Though I have so far never had one at any bank, fortunately.

That's it for me so far. Thought about setting up and using additional accounts, but the additional hassle separation and having to transfer between them don't justify the benefits for me.

4) ...might be a shared account for expenses shared with others, that I'd use with the Connect functionality.

"Main account", receives practically everything, money is from hereout distributed over the others (which are mainly used for payments).

"Household" (shared with girlfriend) for groceries and the like, card is usually attached here

"Upgrades" (shared with girlfriend) for upgrades to our home (furniture, kitchen gear, etc.)

"Rent" (shared with girlfriend) for rent, but also gas/water/electricity/internet

"Holidays" (shared with girlfriend) for obvious reasons :P

"Clothes" for obvious reasons

"Savings", obvious again

"Subscriptions", for sports association, phone subscription, college fees

"Hobbies", for anything I want to buy myself, but still keep track off basically

"Dates", (shared with girlfriend) for whenever we go out

Hope that gives you a clue :P

I have:

- main account (for salary and monthly payments)

- Payments account (for basically all pin and ideal payments)

- shared account with my girlfriend

And now as I'm on holiday an extra holiday account to keep the budget a bit in control.

The killer feature for me is being able to separate monthly recurring payments from the clutter of €1 payments in various shops. I don't need a budget for everything but this way I can easily keep track of the recurring payments and also know what I'm spending because I know how much I need to transfer to the payments accounts

One of the main reasons I signed up for bunq is to implement the six jars system! :D

Copied from 6jars.com:

JARS System of Money Management

Necessity Account (NEC - 55%):

This account is for managing your everyday expenses and bills.

This would include things like your rent, mortgage, utilities, bills, taxes,

food, clothes, etc. Basically it includes anything that you need

to live, the necessities.

Play Account (PLY - 10%):

PLAY money is spent every month on purchases you wouldn’t normally

make. The purpose of this jar is to nurture yourself. You could purchase

an expensive bottle of wine at dinner, get a massage or go on a

weekend getaway. Play can be anything your heart desires. You and a

spouse can each receive your own play money, and not even ask what

the other person spends it on!

Financial Freedom Account (FFA - 10%):

This is your golden goose. This jar is your ticket to financial freedom.

The money that you put into this jar is used for investments and building

your passive income streams. You never spend this money.

The only time you would spend this money is once you become financially

free. Even then you would only spend the returns on your investment.

Never spend the principal.

Education Account (EDU - 10%):

Money in this jar is meant to further your education and personal

growth. An investment in yourself is a great way to use your money.

You are your most valuable asset. Never forget this.

Education money can be used to purchase books, CD’s, courses or

anything else that has educational value.

Long-term saving for spending Account (LTS - 10%):

Money in this jar is for bigger, nice-to-have purchases. Use the money

for vacations, extravagances, a plasma TV, contingency fund, your

children's education etc. A small monthly contribution can go a long

way. You may have more than one LTS jar. If you have more than one

LTS, divide the 10% between the jars according to your priorities.

Give Account (GIV - 5%):

Money in this jar is for giving away. Use the money for family and

friends on birthdays, special occasions and holidays. You can also give

away your time as opposed to giving away money. You could house sit

for a neighbor, take a friend’s dog for a walk or volunteer in your

community or for your favorite charity.

I use my bunq accounts mainly for paying. I still have another bank for my salary and mortgage payment etc.

In bunq I have several accounts for the following services :

- groceries etc

- car, mainly for paying fuel

- holiday and restaurants etc.

- children accounts

- organization of a neighborhood party

What are your plans?

Powerful stuff! If I wouldn't be a bunqer already, your example of the 6jars system would definitely convince me to join! :)