• At how many banks are you a customer?

I hear that several people use bunq as their backup bank or side bank. My question is at how many banks are you a customer and why?

I have 3 banks and 1 company for the mastercard.
- Rabobank (This is my main bank, because of the saving (savings interest) possibilities and I'm still looking where to take my money if I would quit Rabobank.
- Revolut (This was a test to see if I liked it)
- bunq 🌈 (Same as revolut, but I like Bunq better, because you can use all the multiple bank accounts for budgetting).

For the mastercard I use:
- Curve (Take all my Master-/Visa cards with me by only using this one card).

But Revolut, Bunq and Curve is still in the testing phase for me. I'm also thinking of trying N26 and Moneyou, but at one point I think too many bank accounts isn't a good thing 😜

    OK, here is my list (also described in this post: https://together.bunq.com/d/5924-is-bunq-using-schufa-scoring-or-alike-or-is-a-schufa-record-updated-by-bunq/9 ):

    • ING (Germany), main account for salary and all payments at the moment) + VISA credit (Apple Pay coming 2019)
    • comdirect, + VISA credit (Apple Pay registered)
    • Fidor, + Mastercard / Maestro (Apple Pay registered)
    • N26, + Mastercard (Apple Pay registered)
    • Postbank, + VISA credit
    • Berliner Sparkasse
    • DKB, VISA credit (Apple Pay coming 2019)
    • Wüstenrot direct, VISA credit
    • bunq (which will make me stop with other banks, except ING, very soon)

    Companies for cards in addition to the above mentioned cards, issued by the banks:

    • Barclaycard, Barclaycard New Visa
    • American Express, Green and Payback (Apple Pay registered)
    • Hanseatic Bank GenialCard (Apple Pay registered)
    • Hanseatic Bank GoldCard (Apple Pay registered)
    • Landesbank Berlin (= Sparkasse), Amazon Prima VISA credit
    • gebuhrenfrei.com (Advanzia Bank)

      @Jos-Golden-Unicorn#64072 I have bunq as side bank

      -SNS is my main bank
      Just because the possibilities (and free cash deposit at GWK and iDin support.
      -Knab for the intereset (however I am closing this one)
      -N26 for my holiday expenses
      -bunq just for the fun 😅 and the features

      However, if bunq come with good options to become an full bank alternative, then I would make it my main bank and N26 for holidays

      The best option would be Bunq Black with an travel insurance and purchase protection on the Maestro and Mastercard, and no FX rates. 😍

        @YTL#64081 Interesting and fun to see that other people are also using bunq for the fun. I do think they have alot of fun options, but I agree that they need some good options to become a full bank alternative.

        @Heiko-Hartwig#64079 That's alot of accounts and cards xD

          Main
          bunq as the main bank account, this is the only way to understand and take advantage of their full range of features. 🌈

          Backup
          Rabobank (mostly for the Creditcard)
          ABN Amro (mostly for the event of Cash Deposits/iDIN)

          Savings
          ASN Bank

          Test banks
          Revolut, Moneyou
          To be honest I barely even use these services. I should actually cancel these. 👀

            • Bunq is my main bank which I use for all my banking,
            • and at Nationale Nederlanden I have my mortgage.

              I have multiple banks and where bunq started out as my side-bank it has now the main role.

              Incoming money
              ING, still setup with my student loans and for the credit card

              Savings
              Triodos

              Main: Shared accounts, all my recurring payments, bills, groceries(basically everything that goes out
              bunq

                • bunq as main bank

                • ING Luxembourg as bank for receiving salary (SWIFT payment)

                • bigbank for savings

                • American Express as “creditcard” for work related expenses en when bunq Mastercard doesn’t work.

                  In the process of moving all banking stuff from Rabobank to bunq... Still looking for an alternative for my savings. Might take it to an online investment bank. Please let me know if anyone has suggestions :)

                    @RobV#64093 Maybe an ethical bank that doesn't invest in shady stuff but does invest in "green and good" stuff, so in NL that would be Triodos or ASN. :)

                      Just bunq, and a creditcard at ICS.

                        @pbruins84#64096 Does that work?

                        Like receiving international payments is not possible (only via TW) as far as I know.

                        And you don t have iDin support which can have some issues sometimes.

                          I was impressed how poorly the banks are doing their economic activity in regard of a responsible future and sustainability: https://fairfinanceguide.org - an analysis of banking investment.

                          That's why I'm with
                          Triodos = basic account
                           bunq = everyday account

                          Barely used:
                          comdirect (German special) = backup
                           American Express = credit card with travel insurance

                          terminated:
                          DKB - bad service (there is absolutely zero service)
                          ING - lack of sustainability
                          Barclay - not my company philosophy
                          Kreissparkasse - many reasons

                            @YTL#64098 I never needed iDin, and I never needed to receive international payments. I got a refund once, from a webshop from another country, but this was done using PayPal.

                              4 different banks in NL. Or 5 if you count PayPal.

                              Why? Bunq is indeed a side thing, primarily for Apple Pay and some extra features I use. My money is still stored elsewhere and not at bunq due to some security and usability concerns (which is somewhat ironic because for some purposes bunq is much more secure.). Then one account that I’m forced to have for insurance that virtually only stores enough to pay the fees every month. Then a business account, bunq is not attractive enough for that. And PayPal because it is needed online, both personal as business.

                                @Jos-Golden-Unicorn#64072
                                I'm using the following banks/cards
                                - Sparkasse, Main account for salary
                                - bunq, spending account, trying to figure out if it could replace YNAB for budgeting; also used for Apple Pay
                                - DKB, used as spending account, VISA credit card
                                - Tomorrow Bank, German sustainable bank account, Debit MasterCard
                                - Monese, Debitt MasterCard, used for Apple Pay mainly, gorgeous app
                                - Curve, proxy MasterCard for others
                                - boon., virtual MasterCard for Apple Pay
                                - Revolut, holding and spending of foreign currencies
                                - TransferWise, same as revolut, but has German IBAN, which is needed sometimes
                                - bitwala, Bitcoin wallet and current account combined
                                - Moneyou Go, Just for testing

                                  @Roeshimi#64105 Ha, I forgot all about my altcoin wallets. (To count it I mean.) Not really a bank of course, but still :P