bunq Together

RIB

Andi-Green-Llama

How can RIB be checked?

Andi-Green-Llama

Thank you for your comments. Sometime I get confused by those things.

Nick-Davies

In France, new to Bunq and looking for the same thing.

A RIB is a "Relevé d'Identité Bancaire" which literally means a bank identity statement, i.e., a document that a bank gives to its client and serves as proof that the beneficiary has a bank account at the institution in question. Big French companies and the state administration need them because they look official and because they help civil servants and employees tick a box, especially as many boring administrative functions are still done by hand. By hand means a civil servant or employee receiving paper in the post and entering details in a database by hand rather than the client doing it via a web interface. Dark ages.

I have this very problem today. I want to move my insurance company, (Allianz), direct debit to Bunq but cannot do this from my profile page on the Allianz web site. After a boring conversation with an operative on the 'phone, I was asked to send them a RIB so that they could do it for me. Bunq does not issue RIB's...

Koen-Orange-Swan

Hey Nick,

In most cases, you can use the export you can make from your bunq account as a way to verify your identity as a bunq account holder. 👍

If that's not enough, you can contact us through the support message and we'll see what we can do to craft you a custom statement 📜

Nick-Davies

Thanks - I will probably need something which simply looks as if it came from you and will contact through the support channel.

RockTheShow

French administration is literally the worst. French banks are the worst in the EU. Mine needs two business days to add a new beneficiary before being able to even submit a transfer, and that's common. Most of them don't subscribe to all STEP2 outgoing clearing cycles, and incoming SEPAs are credited to accounts only once a day so they can play a bit with our money that reached them earlier.

Nick-Davies

I have been around this now a couple of times and am still stuck trying to get some direct debits moved to Bunq without a RIB. Unfortunately, the statement export does not carry any information about Bunq or its address, and even has the mention : "No rights can be derived from this overview" at the bottom, which is the exact reverse of what I am trying to communication to the payee concerned.

Is any legal reason why Bunq cannot produce a RIB? As a document it is banal, a simple a statement of fact with the bank's name and address and the account holder's IBAN. I can mock one up in 15 minutes so what's the problem?

lucasuijtt

'I can mock one up in 15 minutes'..., I see a solution here 🤔

Nick-Davies

It would look at lot like this ...

Nick-Davies

Please Bunq, can I use my DIY RIB?

Koen-Orange-Swan

Whoah! Nice!

I'm afraid not though, as this would imply it comes from us (which it doesn't) 🤷‍♀

Nick-Davies

But if you allow it to come from you then it does... It would be nice to understand why you won't produce a RIB.

I will take your logo off the RIB so that it simply becomes a document stating facts - surely that can't be a problem for you?

Koen-Orange-Swan

@nick, you can drop by private matters in the Together tab. I've checked with our team and they confirmed we'll be able to generate this for you (and others that need it) 😄📝

Nick-Davies

That is good news !

Nick-Davies

This is an old thread but for those of you in France, (like me), and who need this document badly, (as I do), you might like to know that there is nothing to stop you creating your own.

I have checked and there is no legal reason why you cannot communicate the basic details of your account, (account name, address, IBAN, BIC) and those of the banking institution to which your account pertains, (bank name, registered address), formatted in such a manner as to resemble a traditional RIB. There is even French web site which has a script which does this for you. I personally would not use the site, (I am not keen to put my details out there to be stored in some third party database), but if you search for "creer votre propre RIB", you'll find it. Alternatively, use the model I made above but be aware that Bunq may object to you using their logo. I cannot imagine that they would, but you never know.

For those of you stuck in French admin hell, I hope that helps.