• At how many banks are you a customer?

@Heiko-Hartwig#64255 Yes, but they do not only offer creditcards from Visa, but also creditcards from Mastercard. But for some reason, they offer them on a different website.

    @Heiko-Hartwig#64255 Yeah I think they mean that one (or they use this site: https://www.icscards.nl/ for Dutch, but it's the same service). I only think those cards can be expensive or am I wrong?

    I also see people here with American Express. Do people use American Express for traveling? I don't know if American Express is accepted in so many places.

      @Jos-Golden-Unicorn#64258 I also see people here with American Express. Do people use American Express for traveling? I don't know if American Express is accepted in so many places.

      No, I use it for everything as the acceptance is getting better and better. In Germany a lot of card terminals accept AMEX, very new at Lidl and Aldi and that shows me, that customers like to use the cards there as well. Me too. I think AMEX becomes more popular because AMEX issued a co-branded card with Payback (R) logo ~ 4 years ago that free of charge your whole life.

      And AMEX is partner for Apple Pay from the very beginning.

      Thanks for the infos about ICS I will check this card very soon. But maybe more the MC version, as I have enough VISAs at the moment and I love products from The Netherlands. But I still have to find it on the web as @pbruins84#64257 wrote.

      If someone wants to invite / advertise me, feel free to send me a message to Firstname.Lastname@gmail.com ;)

        @Jos-Golden-Unicorn#64258 Right, I have the Mastercard from them. My previous bank didn't have credit card either and as far as I know they are the cheapest of the non-banks that issue them.

          @Tim#64256 Independent? ICS is owned by ABN-AMRO. I’m also not sure if they’re still a marketleader since other banks started issuing their own cards instead of leveraging ICS.

            @LH-Black-Wolf#64279

            'Independent' as in free to use with whatever bank as pleased. Unlike ING and Rabobank for example that require a current account or account package with that particular bank.

              bunq 🌈 = my beloved main bank for everything, salary + all payments, Maestro + Master Card, 🍏-Pay, multiple accounts

              Triodos Bank Germany = savings

              Degiro = ETF-Investment

              Tomorrow One = testing (Master Card Debit), back up german account

                Main bank: Bunq, off course.
                Online purchases: PayPal
                Old bank: ING(geld storten)

                  Just bunq 🌈❀️

                  A while back I the decision to completely drop my accounts at ABN Amro and ING. Now I’m only carrying around a colorful set of debit cards and app!

                    bunq For main banking. (You don't say)

                    Next to bunq I've got a MoneYou savings account. But I'm thinking about cancelling this one.

                    The third bank I use is N26, but only as a backup in case bunq or the Dutch paymentsystems have any failures. And the maestro card is free for Dutch users so it won't harm (:

                    Oh, and I still got ING NL because my parents did set up that account when I was born, but it actually will be cancelled next month since I already didn't use it for a few years thanks to bunq.

                      After a month freeloading on the Black Friday promo, I decided to move all my assets from ABN-Amro to bunq. Since January I can say I'm a full bunqer!

                      I haven't closed my ABN-Amro accounts yet as I'm still monitoring those for direct debits I haven't transferred (I want to keep control, so I switch manually as apposed to the Overstapservice we have here (switch service).

                      I do have a PayPal-account for those sloppy companies that don't accept things like iDeal or refuse Italian Mastercards (talking to you Apple!), but they debit expenses direct from my bunq account, so it's actually not a bank account I have there.

                      I am hanging on to my ING-account as I have a retirement funds there (pensioenspaarrekening), which I use for early retirement when I want to instead of the rising retirement age (used to ben 65, is now expected to be 71). Too bad bunq doesn't offer these kind of low-risk products.

                      I haven't figured out what to do with the credit card I have at ABN-Amro (via their subsidiary ICS). I want to cancel it, but am not sure whether the bunq Mastercard offers the same acceptance worldwide or whether I should go for an ING credit card.

                      Guess I will cancel the whole ABN-Amro lot next month and keep the ING-account just in (which?) case.

                        @Samzoiets#64480 The main difference is that bunq has a debit Mastercard instead of a "real" credit card. I've seen too much topics on Together where people have to contact bunq supoort and proof to them the pre-authorisation was cancelled before they get their money back that I don't want to risk it and just use my credit card in those cases.

                        Sometimes companies only accept credit cards and not debit cards (car rental companies). And most likely a credit card has things like insurance for stuff you bought with it (even if only a month or half a year). Of course, that's not really free because you have to pay for the credit card (and thus the insurance). But the bunq card lacks all of that.

                          @Samzoiets#64480 I also have 1 real credit card just in cases like that. I also use the credit card so I can easily put everything in my finance system at once (I don't have to insert everything at different dates, but credit card will be paid on 1 date), so I just use it now for being lazy.

                            @JeroenE#64483 N26 offers an insurance on their Black Product.

                            But how the acceptance is depends I think

                              @YTL#64618 The Black Product is a normal Debit Mastercard, just like the bunq Debit Mastercard.

                              Acceptance will be the same, just the colour (and price) is different.

                                • bunq as main.
                                • ABN AMRO for savings, initiated by my parents. Will replace it with bunq soon.
                                • ING as previous main, still active but has nothing on it. Will cancel once I'm sure everything is properly moved.

                                I also still have an account for N26 and Skrill, but I don't use these services anymore.

                                  @timvisee#64643 I've read that Skrill will introduce no-usage fees. As I had my account there just lying around anyways, I have cancelled it

                                    Today I received my iCard card, but I don't like their app. It's a little cluttered. Hope they will fix it.