• At how many banks are you a customer?

@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.

                            Main: Bunq Second: N26 Third: Transferwise (that does what the first 2 are not able!) For investments: interactivebrokers

                              ING: main + joint account, I only use the card for the joint account for groceries. A fixed amount from the main account will go to my bunq account.
                              bunq premium (pack): for spending all the budgeted amount of money (main spending bank so to speak)
                              Moneyou (and Moneyou GO): savings account, Go I no longer use (tested it for a while and keeping it does not cost money).

                                -Bunq as main account

                                -ING for the sometimes necessary girocard in Germany

                                -N26 and Tomorrow as Backup and for the German IBAN but thinking about cancelling N26 because of the horrible service

                                  Bunq as main bank and a mastercard as backup. I will change the mastercard to visa shortly because bunq also uses mastercard for their services. At this moment when mastercard is down i do not have a backup. Already happened once