bunq FULLY joint account

rauldeheer

Daniel 🌻 I do not speak German, but I translated your response. Basically, I know how to share an account. But how about auto saving, easy investments, personal request links, different currency accounts, or whatever. I'm just in need of a separate subscription for couples with all features included in a personal account.

rauldeheer

Johannes I do not speak German, so I translated your response. I get that you are OK with how you use bunq, but it seems like you are a basic user who probably uses 1/2 bank account(s). But I want to use all features, which is currently impossible as a couple. You would need to use all features on your personal account, which makes sharing impossible.

Johannes-Red-Panda-463593470

Raul de Heer Now I understand better 🙂 Yes, you are right. My wife is only interested in the core functionality. Means using Apple Pay in shops and paying online with credit card. Everything else including investment is my job. I would consider us a modern couple, but when it comes to money we are maybe old fashioned 😉 And so bunq works here perfect for us. Our situation is different to what you want.

Michael-ERL

Jakob It's true that in order to use a Joint account, you need multiple bunq plans (one for each person). For a single Joint account, two Easy Bank plans suffice, so you could say that a Joint account is priced at around 6 Euros/month at bunq. And if you want multiple distinct Joint account at bunq, you would need Easy Money plans, so everything between two and 25 Joint accounts is priced at around 16 Euros/month at bunq.
this thread is a bit older, but i just found it while searching for information and it fits to my request

my wife and i would be very interested in going back to bunq and even making it our central bank account. however, when i look at what bunq now charges for a simple joint account, it's really not economically feasible. and we would be quite willing to spend 8 to 10€ a month for a joint account with the features of bunq. But not 18€. For that money, you can get a local contact person somewhere else, whom you only have to call and who then does everything for you, a credit card with a high credit limit, etc.

I would really like the old pricing model (anno 2017, 2018...?) or a new one where I can open a "big" account and add my partner.

Jakob-Y

Michael My comment is still true indeed as far as I can see. You can both get Easy Bank and you would get a Joint account and a card of your choice for each of you. Additionally you also both can open a regular private sub-account and take advantage of all the other features in the Easy Bank plan: https://together.bunq.com/d/44002

Michael-ERL

Jakob we are still considering using bunq again. it really only gets interesting with bunq when you use more than one account.

what i couldn't figure out from the current account models so far... if i upgrade my account to easy bank and my wife opens an easy money account, can we share only one account or can i also give her access to other subaccounts of my easy bank account?

for example, if i set up an account for vacations, one for our free time, or individual savings sub-accounts for our children and have money automatically deposited there each month. can i share these with her as well?
(kids are not old enough for their own "real" bank accounts yet, otherwise a bunq pack would be a consideration again).

when we first tried bunq 2019 we didn't need a full price account each to cover these scenarios. there was one account for 9.99 to cover it. bunq was really quite close to becoming our main bank connection and we only moved away from bunq because our two employers each had a problem with the Dutch IBAN and it wasn't worth the hassle to us.

With the new account models, I honestly don't really know anymore whether 8.99+2.99 is enough or whether it really has to be 8.99+8.99.

thijsoost

Michael You need at least Easy Bank to share accounts. So two Easy Bank (€2,99) accounts is enough to share one Joint account with each other.

You can easily see which feature is part of what plan on https://bunq.com/benefits/

Michael-ERL

Thijs Thanks for your answer. I know the site, it is basically a very good comparison of account plans. what I am missing, however, is a (clear) answer if, starting from an Easy Money plan, I can share more than one account with an Easy Bank customer.

My account would be an Easy Money and I would like to have a joint account with my wife (Easy Bank). That would work, no question.
But could I then share other sub-accounts? for example vacation account, fun account, savings accounts for the kids? Or would it be possible to have more than one joint account?

looking at the shared access page i can interpret that out. but clearly i haven't read it yet.

probably I'm just missing something or do not understand it, sorry :) with the "old" joint account was all possible.

thijsoost

Michael There's a different between Joint accounts (both owners own the money) and the Connect feature (only the owner of the sub-account owns the money - legally - but the other user is able to access the money).

Easy Bank supports only one Joint account. However, Easy Bank can accept multiple Connect invites, sent by an Easy Money/Green subscription.

Hope that clears things up!

Michael-ERL

Thijs ah, thank you. 👍🏻

Mersed-Orange-Panda

I do agree as said in 2022 -> in The Netherlands is a high fee to pay 2 Easy Money accounts to have a fully fledged joint Bunq account with all the features. So 2 x 8,99 = 17,98 to have a "real dutch en/of" banking account?
Am I missing something? Or is this true?
Because I can't have all the features for my wife with my Easy Money and her Easy Bank account right?

thijsoost

Mersed 2 × €2,99/month, because Easy Bank already supports 1 Joint account (en/of) and 1 Joint savings account.

emily-Blue-Wolverine

Mersed Hey there, Mersed 👋

Thijs is right! You and your wife can set up a Joint Account with your current plans 🙌 You can check out exactly how to go about it, here 🌈

New-Silver-Budgerigar-568940108

I have a shared account but occasionally run into issues abroad when trying to use this IBAN when paying (f.i. taxes) because the second person is not recognized as legal owner of the account. Since I have had to contact a number of companies to change my details and use the account number to my Bunq number before running in the previous described issue I would like to change my account in a joined account. Is there any way I can create this joint account and keep the same IBAN number.