Nou heel eerlijk gezegd denk ik juist dat het daar om gaat! Je gaat niet met je gezin voor elk lid 7,99 betalen naar mijn mening. Als ik kijk naar mijn situatie met bv mijn partner, ik heb twee MasterCards maar hij kan ze in zijn app niet zien. Hij moet mij bellen om een betaling te doen.

Neemt hij wel premium dan hebben we 4 MasterCards. Ik denk voor partners dat je bv beter kan doen betere toegang tot extra passen. Dat je bv 12€ betaald en dan 2 MasterCards en 2 maestro kaarten heb. Die 25 rekeningen kunnen we wel delen. Kortom een betere integratie

I would like to have access to my kids accounts. and cards. My kids are young (<10 years old) but already cashless :), but if they create a new IBAN, as a parent I would like to be notified and connected to that acccount. My kids have their own accounts and cards. However, if they decide to cancel the Connection, there is no way that I -as a parent- can control what they are doing.

I would like to grant access to my account so they can do grocerie shopping from daddies account (with a budget so they cannot spend all my money). Because it's not their business to see all my transactions (salaris, Sinterklaas purchases etc.), I would like to hide the transactions.

Although already mentioned elsewhere, an en/of account is very welcome. Sometimes companies like the belastingdienst require it to prove that you own a (shared) account. And 100% shared control of an account (setting name, limits, etc.) is very normal between partners.

And 50 accounts and 4 mastercards is way to much, so a family bundle with a bit less accounts and less costs is very reasonable if you ask me.

Hi Ali,

My wife and I both are premium members. We share almost all our accounts with each other. That works very transparent. There are some minor things that would improve the experience:

1) shared ownership. At this point I'm not a owner of the accounts my wife is sharing. Beside the legal benefits, I can't change all the settings of that account at this moment.

2) Because we share each other accounts there is some lack of overview. For instance I would like to see what the total amount is of all (or selected ones) our accounts together.

3) My wife and I can't really share each others MasterCard because you can't share the CCV code.

4) More detail notification settings. For instance I don't want to see notification for payment done with my own card.

And yes, I know we are not suppose to discuss prise. But.. a as 2 person household we now have 6 cards! That makes really no sense!

But I would like to have the account under their own name, not on my name. Regarding the cards: same thing. As long as they are under 18, I would like to be to see what they are doing.

To get the non-interesting stuff out of the way first: while €7.99 is just acceptable for myself, for many children that's already a big chunk of their pocket money...

As per features (the interesting bit), it would be good if children's accounts have the same features as grown-ups' accounts, but even better if I as a parent had control as to how much of that I want to enable. For example, if they think they need two MasterCards and a Maestro card each, I'd want them to have to explain it to me first.

I could imagine that account features (within the overall limits) would need to be enabled by me before they can use them, and that I can also choose how much insight I want to retain into their account activity. The older they get, the more I could then leave them free reign.

There could be some special settings that I can change in their accounts (and that they can see, but not change), like

- I want notifications about incoming/outgoing (yes/no)

- I want notifications for transactions above certain amount

- Transactions above certain amount need my approval

- Notifications for incoming from unknown sources or outgoing to unknown recipients

- Allow card ordering MasterCard (yes/no)

- Allow card ordering Maestro (yes/no)

- Notify when cards are ordered (yes/no)

It would also be good to be able to associate both parents and decide which of them has these controls, or both together.

After observing account usage and with them getting older, I would expect to move from requiring approval for their transactions to requiring just notification to finally just switching off all parental controls.

Everything else I can imagine are just already existing features, like connecting accounts, sharing bills etc.

Same here, we share almost all IBANs. What I'd like is:

And/Or accounts, sometimes required for wages and other purposes as well when an account needs to be in your or multiple names.

Pricing model bit more in line. Don't like paying for my kids in the future at the same cost as a household usage. We have two premiums at the moment.

See the account Icons more clearly, my wife stated it is sometimes confusing due to the fact iam sharing my accounts with her.

Overall it is working so far, it just feels weird having two premiums for such a solution. Don't get me wrong though, we are very happy with the features offered. It helps us changing how we deal with our finances in a very positive way.

Maybe a big family account with multiple names attached to IBANs? So I can chose as main prent which IBAN is available to which person in the household. But can see where there card is connected to. Basically the current setup just adding more legal people under 1 account, each had its own login

Hi Ali,

I think there are two different use cases concerning a family package, 1) only adults and 2) one or two adults with one or more children. For use case 1, I think current premium package is fine, with the addition of the ability to share accounts rather than just connect accounts. I understand that the number of cards is a bit too much in some cases, but that's just the deal than. The current premium package doesn't work for use case 2. The financial situation of (most) kids is not that they need 25 accounts, 3 cards, etc. But they do need 1 card and more than 1 account. Depending on age that is. But kids of say age 14 have the 'right' to own their own bank account and should not depend on connected bank accounts and 'borrowed' cards from their parent(s). So for me, the ideal family package is a 'kids account', with 1 card and say 5 accounts. For less than 8 euro. Which seems fair, since they usually don't have to pay a mortgage, utility bills, etc, so their usage of the payment system is very different, light. You can make this kids account only available for children with (a) parent(s) using buns with a premium account. And when they turn 18, they switch to premium.

Kind regards,

Job

cards for children under 16s that can be controlled or monitored by the parents.

I think most is already said.

Basic need is a measto card per person and a think a debitcard p.p. Control over de kids account, mine are 2 and 7.

En\of is important for income and tax stuf and as extra option would be to send the bunq bill(s) to a “master” account. Also the kids accounts i mean :-)

And offcource restriction to prevent things like unlimited request cards for the whole school withoud parents permission :-) (things that would cost more money)

Regarding costs i would say somthing like 12 to 15 euro for fam package, 2 minors and 2 parents 32 euro as it would cost now is not an option, you did a compare with netflix in the past and that is also 4 accounts for 15 euro :-).

Regards,

Charl Pels

Let kids activate their account through the parents account. As of now, a mobile phone number is required for creating an account, which my kids don't have.

Come to think of it.... with an and/or account we can create our own discount. We get one and/or account (25 accounts is enough) and one extra Maestro (€2 pm).. two MasterCards are already in the package. This way my wife don't need a premium account. Saving €5 each month ;)

Yep that is one of the issues i also have, for the familty setup look at how iTunes is dooing this for familly accounts

Ali,

Mijn kids zijn nog jung en wil ze leren omgaan met geld enz en een zelfde account als vader en moeder is natuurlijk een mooi uitgangpunt en vertrouw men kids volledig maar je weet nooit hoe dingen lopen.

Verkeerde vriendjes, kwetsbaar om als money mule ingezet te kunnen worden of weet ik wat nog meer. Daar komt bij dat ouders verandwoordlijk zijn en daarme dus mogelijk ook willen weten hoe zaken ervoor staan.

Daarnaast zijn er nog wat wettelijke dingen die mee kunnen spelen net als inkomen kids en gevolgen voor de ouders.

http://www.pauwelsadvocaten.eu/just-a-knack/artikel/a/20/kunnen-uw-kinderen-een-bankrekening-openen-zonder-dat-u-dit-weet

Denk daarom dat een zelfde bunq als 18+ geen goede optie gaat zijn.

Zonder en/of en kinderrekeningen lijkt de doelgroep van bunq vooral studenten en yuppen te worden :-( zonder vindt bunq een super bank en heb ook premium maar krijg toch een beetje twijfel of bunq echt een vervanging kan zijn voor alles, iets wat ik wel graag wil.

Maar hou wel een beetje contact met de huidige wereld waar je nog geld per iban over moet maken en iban checks wel fijn zijn en niet alles via payment requests kan, je niet 32 euro voor een bank gaat betalen als gezin als is het nog zo nobel. Je een en/of nodig hebt. Niet iedereen koopt een tasla ook al is deze veel beter voor het milieu en ook tasla was geen suc6 als nu als er geen kinderzittjes in konden of extra moet betalen om een passagier mee te nemen :-)

I'm sorry if I'm thinking too much in terms of solutions, however for a lot of these family and costs-issues some very basic features (as in: easy to use) would pretty much provide for a lot of different situations.

Gift an additional card to another (free) user

This would solve the ‘household costs’ issue as ‘secondary’ users can have a card with their own name and IBAN on it without having to go Premium. From a pricing perspective there is still incentive to go Premium for the ‘secondary’ user.

Transfer ownership of an account

When a child has his/her own smartphone, they can open up an account and the guardian can transfer the IBAN to the child so they retain access to their transaction history. There’s a lot more use cases where this feature could be useful.

bunq Free for underage users with restrictions and requirement to be opened by a guardian

This is probably a complex one. There needs to be a way for more than one person to log into an account, where the adult/guardian has full permissions and the underage user is restricted to do card payments, requests, payments and chat, but cannot set limits or manage other account features.

There are still a couple of blanks to be filled in, but I think that with these features households of two or households with children can enjoy bunq at reasonable costs and features.

I have to say, in thinking about this, I feel the Premium €7,99 price point seems more and more sensible. It doesn’t have to be for everyone right away, but if someone wants all that bunq has to offer at some point, they have to go Premium.

Multi device option is not an option i think, kids need thair own account and currently you can only have one bunq account per tel number.

So kids still need a phone number for this, as far as i know that is not changed.