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  • Instant Payment between Sparkasse and bunq

@Robert-Cyan-Dragon-660812661#48315 bunq muss die einzelnen Banken bei sich auch aktivieren, dies macht bunq aber erst nach einer gewissen Testphase. Am Besten ist aber du schreibst damit auch den Support an, inklusive Beispieliban

    Vielen Dank für die Info! Wo kann man das nachlesen?

    Das scheint aber ein ziemlich verbesserungswürdiger Prozess zu sein. Ich dachte, dass die Banken an das System "angeschlossen" werden und dann mit allen bereits teilnehmenden Banken "arbeiten" können.

    Das alle Banken alle anderen Banken "registriert" haben ist bei der Herangehensweise der Einzelfreischaltung doch sehr unwahrscheinlich!

      @Robert-Cyan-Dragon-660812661#48323 Nachlesen ist schwer, das wurde mal bei irgendeinem Together Post geschrieben. Es gibt aber noch ein weiteres Problem: bunq ist an das RT1 System von EBA Clearing angeschlossen, ist jetzt die Frage ob es bereits mit Banken angeschlossen an TIPS (von der EZB) funktioniert.
      Sind noch viele Fragezeichen, aber wie gesagt - am Besten mit Beispieliban an den Support.

        @Robert-Cyan-Dragon-660812661#48328

        Support is also available on support@bunq.com

        Please keep in mind dates mentioned on sites such as EPC are usually 'expected readiness' dates and not necessarily 'going live' dates.

          Hallo Leute. Habe mich letzte Nacht hier angemeldet.
          Habe dann von meiner Sparkasse, die auch oben in der Liste steht, Geld ohne InstantPay auf bunq überwiesen. War heute Mittag schon drauf. Das ging ja schon mal fix 👍🏻

          Eben lese ich dieses Thema und probiere es doch auch gleich mal wegen IP zurück zur Sparkasse.
          10 Euro gesendet, aber kein blauer Blitz und ist auch noch nicht drauf.
          Muss man irgendwo das aktivieren das es Instant sein soll? Habe nix gefunden.

            Gerade noch mal von Sparkasse zu bunq probiert da es bei meiner Sparkasse (noch) nichts extra kostet.
            Auch hier kommt es nicht in Echtzeit an? Hmm was ist da los?
            Meine bic ist nolade2hxxx und steht in der Liste...

              Um bunqs Aufmerksamkeit darauf zu lenken wäre wie ich finde Englisch etwas besser. Und kontaktiert den Support!

                Ich schreibe jetzt mal in English :-) I tested instant SEPA between 1822mobile (belongs to 1822direkt / Frankfurter Sparkasse) and bunq. Sending from 1822mobile to bunq (single test, cause it costs 0,99 Euro :-( ) is instant as espected with immediate push notifications... dont forget bunq is lightyears ahead :-).... and vice versa it didnt work as instantly from a pure user experience but the reason wasnt instant SEPA nor bunq, it was the 1822mobile app. The 1822mobile app is close to crap. It is not able to update transactions as well as balance in realtime itself nor by forcing it manually. Could be 20-30 Minutes, could be 5-10 Minute or hours on weekends. They know the problem already, dont know how long it will take to fix this.... cause there are so many other bugs, you cant even imagine. So I went to the ATM, pick up my iphone and send an instant to the 1822mobile account, quickly sticked the card into the ATM slot and checked my 1822mobile balance directly with the ATM... and there it was... right balance, money was there as fast as the other way around. So its often not the RT1 connection, its the account / app backend at the german bank or the "display of the account action", the app.

                I tried with a friend of my, he is having a DKB account. It worked but also displayed it with a few minutes delay. I guess its also the app or the webend that cant quickly follow the account action. Never tested it withe Deutsche Bank... maybe they are better due to the more advanced app.

                The latest iOS Sparkassen Mobile App, the app that all Sparkassen use in Germany, recently got updated to version 5 which finally was able to send / receive Auslandsüberweisungen (foreign money transfers, even foreign SEPA...) I guess this should now work with bunq instants out of the box. Its still quite funny that german banks or Sparkassen still view SEPA transaction no matter regular or instant crossing the german border as "Auslandsüberweisungen". Its usually no problem to active "Auslandsüberweisungen" in the banking app but its a bit inconvinient and feels like soft SEPA discrimination. ;-( Dont forget if you send more thant 12 500 Euro cross border in Germany (in or out) you need to call a Bundesbank telephone number even as a private user to inform them about the transfert due to statistical reasons. As far as I understand they could fine you if you doesnt.

                  Update to my Test.
                  Sent Money from bunq to Sparkasse at 00.30 am... received at 01.15 am.
                  Sent Money from Sparkasse to bunq especially with ip at 00.45 am... received at 12.30 pm
                  Hmmm Whats wrong???
                  Thats all but Not Instant.
                  Also i dont get direct push notifications on my lock screen.
                  Also no notification if someone replys in this Thread...

                    @KillerWurst#48624 Sounds like you're having two different problems.
                    Concerning Instant Payment:
                    When I started using bunq, my first attempt to use Instant Payments was not executed properly, I even received an error message in the Sparkasse app. But from the second attempt on, it worked without problem. It looked to me as if they Sparkasse system had to "learn" that it should send an Instant Payment, but I have no proof of that.

                    Concerning Push Notifications:
                    Are you using an iPhone or an Android device? On my iPhone I had problems with push for POS purchases too but that was resolved by reinstalling the app. Don't know if this does also work for Android devices

                    One small suggestion: please don't ask for two different problems in the same thread/post. This makes it hard to follow and to give good advice. No offense, just for the future :-)

                      @Roeshimi#48630 Hi Michael.
                      I am on iPhone XS Max.
                      I get the Red bubble with a number.
                      But nothing to the lock screen.
                      With ip i will See what the Time brings.
                      Would be nice to Transfer in seconds to my Giro Account which i wanna use when Problems come with the bunq cards.

                        @KillerWurst#48632 I would try reinstalling the app and see if that helps (concerning notifications).

                          @KillerWurst#48632 I can only say instant payment between my Sparkasse and bunq works flawlessly so maybe there is a bit that needs to be switched on or off 😉

                            @Roeshimi#48634 There was no Switch on bunq. (They always use Instant i heard)
                            On Sparkasse i Switched instant payment on.
                            I just received an payment from a friend. There was a notification on my Apple Watch 👍🏻
                            But still no notification for togehter when you answer me.
                            Also i am at the trial Month and didnt gave my Steuer id. But this should Not be the reason that ip is Not working?! Premium is Premium

                              @KillerWurst#48651 No trial certainly is not the problem

                                @Roeshimi#48652 In deinem letzen Post steht nix 😜

                                  @KillerWurst#48669 Warum auch immer weisse Schrift auf weissem Grund

                                  Ich schrieb:

                                  No trial certainly is not the problem

                                    I thought so too.
                                    I reinstalled the App. Now notifications come. Even from together 👍🏻
                                    Now i Need just the IP between my Sparkasse and bunq and i will stay with bunq Premium.
                                    I Love the idiotproof usage of bunq App with all its innovations.
                                    Its like a Apple Produkt 😜👍🏻

                                      Update.
                                      Instant payments Works like a Charm Now 👍🏻

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