@Joeri-Silver-Lynx#274477 I don't have tried it myself, but as far as my understanding goes it is just not possible. After you have made 2 withdrawals, the funds are essentially locked down completely. The month is the calendar month, so the counter resets on the 1st of each month, and then you can withdraw freely again any amount you want.

why was decided that one could not link cards to a savings account anymore?

Actual reasons I cannot know as bunq hasn't shared them publicly, but I think the most obvious answer here would be that savings accounts are not supposed to be used for general payment flow after this change, so card payments, iDEAL, Sofort etc. are now not possible anymore.

Also why the limit? Is it for the benefit of the user? I saw some users asking for making it harder to spend savings? Is this why? The topic starter also mentions predictability of investments; is it known what the real reason is?

Same disclaimer here, I don't have internal insight and there was no reason shared by bunq. But my thinking is that bunq wants less fluctuation of assets / more predictability as the OP mentioned in order to be able to offer a higher interest rate (which is something that can be used for promotion/advertisement pretty easily, in comparison to more convoluted "features"). It will also lead to less assets being eligible for interest at all, so bunq can claim higher interest rates while paying less interest in total (or at least, not as much as they would pay if all assets on all accounts were eligible).

@Sander-Cyan-Penguin#274483 bunq sometimes calls the savings sub-accounts "Easy Savings accounts", not to be confused with the "Easy Savings plan". One is a type of sub-account, the other one is a certain subscription plan.

To answer your question: Yes, the limits apply to all, regardless of plan.

@Melle-Lime-Swan#274142 I can confirm I have the same bug (or feature?).

Note that with the pay-and-switch-source-flow I did already make more than 2 withdrawals of the same savings account this month, not sure how I did that - but I wasn't gonna question it. I really hope it becomes a per-savings account limit, otherwise 2 withdrawals is really low...

@Dennis-Navy-Bear#274567 Hi Dennis!

Thanks for sharing this 🙏

I understand your situation so I've escalated this and will make sure it's closely monitored by the team in charge.

Again thank you for your feedback 🍀🙏

@New-Orange-Ostrich-53921355#274572 Hey Ninad!

I have checked this further and I see that indeed you’ve been misinformed from our end. The limit is per account, regardless of the amount of savings accounts, you are able to withdraw twice a month. We’ve taken the necessary actions, to avoid this from happening again. We sincerely apologise for any inconvenience caused and we thank you for your understanding and cooperation! 🙏

@Stela#274622 Are you serious? When this was introduced, I had more than 3 saving accounts. That means my money, which was freely available to me until then, could only be used partially from that moment. How is that even legal?

So, this is a nasty new feature, apart from the very questionable introduction of this feature, I've had this operational issue + work around.

My original savings account/saving goal account did not have the option to be converted to a regular bank account
This gave an operational 'challenge' because normally nearly all my money is in saving accounts. If I need the money I'll take some from the savings account.

so I've found a workaround:
1) I've created a new savings account, which had the option to be transferred into a "regular bankaccount"
2) I've moved all my savings into that new account.
3) I've converted the new account into a regular bank account.

I'm aware that I will not be getting interest but, being able to access my money is more important than interest

Unfortunately this did not work for me, I also highly doubt any customers are happy with this change. It literally defeats any purpose i have in using bunq. This will very likely cost them alot of customers

Same problem here. I kept all my money into savings cause the interest is nice here. What annoys me most is the lack of information on the changes. They could have sent an email or a notification in the app. It is a significant change. But I'm going to see if I can convert one savings account to a checking and help myself. Also just moved my business savings to Bunq. Seriously going to reconsider that again.

I managed to access my money by transforming all my savings accounts to a normal account (on iOS).

Most ridiculous how you implemented this. A lot of people are scared now.

and you call this freedom????

Well I stood for a big surprise, where I needed my money and couldn't access it. How is this crap even legal... I opened a support ticket, and Bunq better provide me access to my hard-earned money!

I just encounters this as well, this is absolutely horrible, I’ll be locked out of most of my funds and coincidentally cannot pay utilities and rent if this will last a full month.
What a terrible way of implementing this, Bunq you should have warned people very clearly in advance through email or whatever before doing this. I cannot find any mention of this in my mailbox.

They should start making such limits more clear and transparent. Why not show a counter for every account how often withdrawals are possible. Same with cash withdrawals.