Hi there bunqers 🙌,
I have a question about off line credit card 💳 charges, and understand how it works.

Example:

  • Account 🅰️ has a balance of 20 euro 💶 which went to this level via a bank transfer payment.
  • Physical Credit Card 💳 has not information about the current account 🅰️ balance
  • Physical credit card 💳 is connected to account 🅰️
  • I get on a plane ✈️ and purchase goods and services for 30 euro using the Credit Card 💳 connected to account 🅰️ from a terminal that is working off line
  • As the off line max allowed is 250 euro, the payment should work ✅ with no problems as the off line terminal can not communicate with Master Card / bunq to check balance
  • Once the terminal gets on line it settles the payment and account 🅰️ gets charged
  • How is bunq handling it?
    Does account 🅰️ get negative balance ⚖️?
    On the price list it states that there are no over draft charges as it is a service not offered.

Thank you 🙏 for reading 📖 and comment if it ever happen to you or if you know how it is supposed to turn out.

I browsed around but I could not find any article about it.
The most comprehensive one is this one:
https://together.bunq.com/d/4822-offline-pin-payments-faq
Maybe if there is an answer it can be added to the FAQ

Have a great weekend 🌈
GG

    @Gianguig#242627 Hey GG!

    When making an offline PIN payment, indeed, the terminal can't communicate with bunq, so in this case, the payment would still go through, and the account will go in Overdraft and the Negative Balance process will start.

    I agree that this information could be added to the FAQ, consider it requested 😉

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