• Counterparty IBAN is missing from statement

Recently I decided to gather all my transactions to analyze them in Excel. But from the exported CSV files there are a lot of IBAN numbers simply not present. It seems like many companies, like McDonalds, Albert Heijn, or Google for example, have no IBAN number (or it is hidden). I figured it was a bug at first, but these transactions simply don't seem to have counterparty IBAN. I checked the MT940 export, a PDF statement, the android app, and the web-app.

So, assuming this 'missing IBAN number' is behavior by design... How am I supposed to uniquely (and consistently) identify the counterparty across transactions if there is no IBAN as the primary identifier? (And yes, I know IBAN numbers can theoretically be recycled, so they aren't perfect.) I had planned to analyze based on IBAN numbers, so do I have to change strategy or is there another way (like using the API)?

Does anyone know why the IBANs are missing? I'd love a technical answer on this... :)

    @RalphXD#258534 Are you talking about card payments maybe? Because normally you pay with card at McDonalds and Albert Heijn. In this case the money is sent via the Mastercard/Maestro network, not via bank transfer. Therefore, you won't find a counterparty IBAN, because there is none.

    All bank transfers, direct debits, iDEAL payments etc. where money is sent to another bank account should have a counterparty IBAN shown in the statement (and inside the app).

      I guess that makes sense, it does seem that the card payments are the transactions without IBAN. Thanks for the quick and insightful reply. :)

      Would it be correct to assume that all transactions without IBAN are Mastercard/Maestro? Or are there more options, and how can I distinguish between them?

      Also, I just found that other banks (ING in this case) publish more transaction details than just the name. In the case of card payments, this is the card number, transaction id, and payment terminal. Are these details available somewhere on the bunq platform?

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