Feature Request: Be more annoying with pending Direct Debit limits

Timothy-Pink-Panda

Hi Team,

In short, can you please call to attention when a direct debit limit has been reached. The UX design of having 'event waiting' when popping into the app doesn't immediately signal that I'm about to accidentally lapse on a direct debit. I think I recall push notifications a while ago for these? I can't seem to activate them at all, I would much rather a couple of annoying notifications than having my subscriptions lapse or having to repay what I owe with my tail between my legs.

I get the value of this feature as some companies can be greedy, but in general practice it's more annoying than a value-add.

This is seriously my biggest painpoint, costing me a lump sum payment of _€400 when I didn't realize my health insurance increase had been refused by this feature and just recently another refusal of this increase after setting up the direct debit up again with my provider as the increase hadn't yet been taken into account on the bunq side. This feature has also killed a gym membership recently, incorrectly blocking after dectecting that I had paid twice in 1 month.

Possible Solutions:

Multiple push notifications to alert you of an expiring event with stronger and more relevant copy to call to action.
Modal altering you to events in queue after an iDEAL transaction.
Modal of events pending when logging into the app.
Auto accept within a range, rather than a ceiling.
Using your transaction data to identify when a increase had occurred with a debtor and call to action on raising the ceiling.
More extreme: allow a switch/kill the feature.

Please consider these solutions (or hey, if the community has better ideas)!

Cheers,
Tim

Jakob-Y

Tim Agreed, there's no reason why you can't have at least another or maybe even two additional push notifications before the direct debit gets rejected because you didn't react. You could even also send an e-mail on the last day before the limit runs out that tells you to check your bunq app for a direct debit event.

The additional modals etc. that you suggested could get distracting in my opinion (sometimes you don't want to accept a direct debit right away on purpose, because you're still waiting on an incoming payment or something like that), but I think your last point is also a nice idea: Give an option to auto-accept all direct debits. Not something I'd want for myself but this is how it works for other banks so I could imagine someone who is used to this might prefer it that way.