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  • Why no Schufa support?

Schufa is a really important document for helping to get an apartment (which is now the hardest thing to do in Berlin), and even paying a subscription Bunq doesn’t provide information for Schufa, which is disappointing!

Is it possible at least provide a document to me that could “replace” the Schufa and that I could use and hand over to the landlords ?

    Because „SCHUFA“ is a german credit rating company - and bunq is a dutch bank and does not offer any credit or overdrafts so there simply isn‘t anything to report.

      @New-Champagne-Mustang-2081435972#267032 bunq is a Dutch bank, all accounts (regardless of the country IBAN) are Dutch bank accounts. Only German banks that have special contracts with SCHUFA provide information to them, and mostly only because of the necessity to get information about a customer themselves. At bunq this information is not needed, and most customers probably prefer to have their bank share less information about them with third parties rather than more. Especially bunq has a strong privacy stance where services like SCHUFA just doesn't fit into.

      When it comes to your landlord, they are a private person or company and can therefore freely decide who to contract with. If they deem it necessary for you to have a bank account with a bank that shares your information with a certain third-party, then unfortunately I don't think bunq can really help here. Of course, you can always export your bank statements from the past which would show your income and expenses and opt to share this information with them.

      That being said, a normal SCHUFA report doesn't actually have any detailed information like this in the first place even when you're banking with one or multiple banks that do provide information to SCHUFA. The only thing it would mention is if you have any outstanding debts that you haven't repaid on time, so in most cases less entries in your SCHUFA data are actually a very good thing. The system here in Germany is different from for example the US, where you "level up" by having certain good activity. Here you almost exclusively can only "level down".

      Did you try submitting your current SCHUFA report to the landlord? Was it declined explicitly because of bank account information?

        @New-Champagne-Mustang-2081435972#267032 I don’t understand what yor bank account and the SCHUFA would have to do with the landlord.

        The only thing a landlord needs, is a proof that you are debt free and therefore SCHUFA is offering a specific document for landlords, which you have to get from SCHUFA.

        bunq doesn’t share information about you with SCHUFA, nonetheless you can always get your credit score from them.

          Was hat das mit der Bank zu tun ? SCHUFA-AUSKUNFT bekommst du nur in Deutschland... Und das ist eine Allgemeine Auskunft ob man verschuldet ist und wenn ja ,wie hoch ......

            Eine Schufaauskunft bekommst du direkt bei der Schufa (www.Schufa.de) deine Bank hat mit der der Schutzgemeinschaft für allgemeine Kreditsicherung
            Nichts direkt zu tun .

              Some banks reporting data to SCHUFA. As the others said Bunq is not such a bank. Fortunately many vendors and contractors are reporting to the SCHUFA while you’re buying things. It’s often used and submitted while you making a mobile phone contract, paying with PayPal or order at online shops. I think your SCHUFA shouldn’t be blank ;) The SCHUFA can contain good and bad entrys. A credit for a car for example is a good entry because your bank (like Sparkasse) trusts you. Paying in rates is a bad entry if you do this often. German banks don’t share all your data with SCHUFA. Sometimes there sharing that you have a bank account. If you get a credit there should always share with SCHUFA. If you only have bank accounts at Bunq and the SCHUFA thinks you don’t have a bank account that could be bad.

              You can always check the data that is saved at SCHUFA because of law (DSGVO / GDPR). I can share a link with you for requesting this information.

              If there is really absolutely no information about you, just open a bank account e.g. at Commerzbank or Sparkasse and they will get know you. But there should be information about you if you are using PayPal with bigger values or doing online shopping.

              The idea to share your income details with the landlord can also be a good way.

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