• Freedom of Choice: Share your investment idea!

Why every option is marked by default ? What does mean ?

    @Javier-Manza#67701 I agree. Why activate this entire option automatically? Automatically activating means making a choice for someone until it is switched off it isn’t their choice but yours... Very tactless.

      So lot of people have their money in bunq cause bunq was not investing it and now after and update activate the investing options for everyone ? Is that fair ? Or more what a “normal bank” usually does ?
      Lot of people will not know about that new investing option and they will have it checked. Is just common sense that keeping same conditions and not doing anything the client does not want means keeping same old conditions for everyone , that means having those option UNchecked by default, something easy to do. Putting the options checked by default means making people invest through a totally unfair “back door” .

        Id rather see an opt-in feature for investment purposes in stead of the default "all selected" option where you have to opt-out.

        I also understand the people who don't want to receive any interest at all.
        That should be an option as well.

          Even after reading the email about the update 10, and remember reading the emails should not be mandatory , the normal thing if someone’s think “ I don’t want to invest so I will not go to see that new option “ I checked just duo to curiosity, 5 years could have pass without checking it , to see I have all invest options checked !!!
          So I have some money in Bunq for 3 years cause THEY TOLD ME would not invest it and without me changing anything , today they will invest it !! And that’s fair ?

            Great work! Microcredit, e.g. Oikocredit, Kiva or Lendahand would be a nice addition.

            With regards to the opt-in/out discussion I think it's best to make it opt-out for new users, so by default they benefit from the interest. However, it would have been nice to ask current users to opt-in, since some might have joined because bunq doesn't invest.

            I agree with @David#67692 that it would be nice to be able to see what it is exactly that bunq is investing in.

              Nice addition! I like having the option of generating interest. While the absence of investments and thus interest was one the main reasons why I chose bunq, it's also a reason for people I recommend bunq to not to choose it. But I agree with the others here that exactly because it was one of your unique selling points, the options shouldn't be activated by default now.
              Like David I also think the the information you give about the options (unless there is more than these few sentences you get when you click on the links in the article above) is not enough to make an informed decision. On a side note, the paragraph for government bonds starts with an interesting sentence : "As one of our investment options you can choose...", while it's not a choice...

              All of this is information is given in a fairly small update, but I think it actually has pretty big implications for bunq as a bank (although I'm no expert on this matter). Bunq's monthly fee is a little higher than other online banks, like Knab for example (fortunately the experience is also a lot better in my opinion). But compare it to traditional banks and and the price difference for a bank account is even bigger (but here again, bunq offers a superior experience and better features). So while I still think bunq premium offers good value, one of the reasons that I really didn't mind paying more for my bank account, is that I saw bunq as a tech company which doesn't generate income through investments like other banks do. But this doesn't seem to be the case any more. I'm not sure whether I'm really trying to make a point, or that I'm just sharing my thoughts, but I'm interested in what others think about this.
              One last thing: I only need to see the welcome screen I get when I tap "My Money" once, as it's not very informational. Or maybe a "don't show this again" checkbox would be just fine. Now it's just a wasted tap before I can make "choices" about my money =)

                By default leave everything off.

                  How about “bunq” as an investment option?! Not sure how/if that could work 😄

                    Personne qui France pour m'expliquer comment ça marche avec cette banque

                      @Kamel-Purple-Akita#68105 Do you have a specific question? Did you already read the french website: https://www.bunq.com/fr/

                      Don't forget to read all the legal documents. They explain a lot.

                      Google Translate: Avez-vous une question spécifique? Avez-vous déjà lu le site internet français: https://www.bunq.com/fr/

                      N'oubliez pas de lire tous les documents légaux. Ils expliquent beaucoup.

                        Rajouter l' option pas d'obligations...

                          Ich bitte um mehr Transparenz in was genau mein Geld investiert werden kann. Ich hoffe bunq verkauft nicht seine Werte und wird dies ausschließlich ethisch machen. Kohle, Atom, oder Nahrungsmittelspekulation sollten nicht gefördert werden.

                            Sociale ondernemingen / social enterprises

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