🇬🇧/🇩🇪 Instant Payment to DKB (and others) not working

Heiko-Hartwig

André
My tests with Hanseatic Bank (account for my credit card) failed : "Payment was reverted for technical reasons".

Aber auch das muss man mal gesehen haben.

Roeshimi

Lot How are your investigations going?

pwg

I also wonder why is it taking so many days to fix this issue. It’s been a whole week now and still there’s not even a clear reason stated or any details known for the users.

Roeshimi

pwg I mean it's one thing that problems need time to fix, but what annoys me more is the lack of communication from bunq

Heiko-Hartwig

Is IP a promised feature from bunq or just nice to have?

Ist Instant Payment eine zugesicherte Eigenschaft von bunq oder einfach nur "nice to have??

NiB

Heiko Hartwig
Angesichts dessen, dass Instant Credit Transfers nur von einem Bruchteil europäischer SEPA-fähiger Banken unterstützt werden, und auch vom Funktionieren bzw. der Akzeptanz der empfangenden Bank abhängig sind, wird es wohl schwer, mit zugesicherter Eigenschaft zu argumentieren.

Ich denke, es braucht einfach etwas Geduld - zumal hier zumindest einiges dafür spricht, dass das Problem auf deutscher Sparkassenseite ist (was nicht so sein MUSS - aber doch aktuell plausibel ist)

Robert-Silver-Turtle-4265395482

I hate my Sparkasse. I canceled a transfer to my bunq account because it couldn’t be done in real-time although real-time was activated. And now I’ve been locked out of my account and should contact my Berater....yeah right as if I’m going to reach someone on a Friday night. Which means no access all weekend...which means I’ll have to wait till Monday afternoon till I even have time to go to the bank. Which means if I’m lucky I’ll have access again late Monday evening...worse case scenario sometime Tuesday. F*** Sparkasse 😡😡😡

Heiko-Hartwig

Mr. Underwood What do you mean with "canceled"?

Roeshimi

Mr. Underwood I experienced the exact same earlier today. Luckily I did reach someone who could help me.
Do you also have chipTAN enabled? So you could at least make a transfer that way if you needed to

Robert-Silver-Turtle-4265395482

Instead of going through with the pushTAN verification, I canceled it because it said it couldn’t be done in real-time even though it was activated.

Robert-Silver-Turtle-4265395482

Roeshimi No ChipTan Just PushTan. But even if I did, nothing changes. I’m locked out of my account. Very frustrating.

Roeshimi

Mr. Underwood Not really. Those are different logins. The pushtan user is locked but the chiptan user is not. I tried

Robert-Silver-Turtle-4265395482

Roeshimi Correct. For my pushTAN I’m using a different login. I didn’t know that I have both. But after today, I’m a step closer to just closing the account completely.

Roeshimi

Mr. Underwood I know how you feel 😁 On the phone they told me this was for security reasons. I don’t quite understand what kind of alarm I have triggered just because I start but not finish a transfer.

Rembrandt

Mr. Underwood I’m a step closer to just closing the account completely.

I did that almost 2 years ago. Haven't regretted for a second. If you keep some cash in your pocket - which I find almost unavoidable as some German stores and bars don't do any cards at all (which is a shame) - you can also easily live without a Girocard. Having no Girocard anymore has never brought me into trouble.

Robert-Silver-Turtle-4265395482

Roeshimi Neither do I. ...

NiB

Roeshimi
Aquiring (phishing) login credentials to online banking should be comparatively easy - as opposed to aquiring transaction authorization through code or other means (de: „TAN-Methode“), as these are usually only valid once/for a limited time, rely on a second factor device etc... And crossborder transfers to foreign accounts will usually be regarded a higher risk factor.

I can well imagine that
1. logging in to online banking
2. entering a (higher-risk) instant transfer
3. to a foreign account
3. and then not going through with it but rather canceling, supposedly due to being unable to overcome „TAN“ transaction authorization
looks much more „suspicious“ of a compromised login than a login followed by a straightforward successful payment.

el3c

Für mich hat sich die Sparkasse damit endgültig ins aus geschossen. Konto wird nun gekündigt... Habe es eh nur wegen der Girocard behalten.

Ne Girocard plus Konto bekomme ich auch woanders kostenlos.

Robert-Silver-Turtle-4265395482

Rembrandt I’m getting there. I’m just still a bit unsure if it’s the right or best solution for me.

Rembrandt

Mr. Underwood
Haha, no probs - it wasn't meant to push you. Just to give you some confidence :-)

Robert-Silver-Turtle-4265395482

Rembrandt No, I was glad that you shared your experience. It really does help to read about success stories.
In the meantime, I’m fighting with a couple of companies and banks to get them to accept my bunq account for direct debit. They’re making all kinds of excuses. If things aren’t resolved in the next few days I’ve informed them that I’ll be forwarding the matter to BaFin.