At how many banks are you a customer?

Jos-Golden-Unicorn

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 😜

YY

Jos 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. 😍

Roeshimi

Jos
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

Joregarvit

Jos Curve n’est pas une banque !!
Revolut aussi!!!Me semble t’il!!!

Heiko-Hartwig

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

Youssef 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 That's alot of accounts and cards xD

Heiko-Hartwig

Also im Prinzip das gleiche Thema wie hier
https://together.bunq.com/d/8333-at-how-many-banks-are-you-a-customer/3
außer dass es jetzt um Kreditkarten geht?

Heiko Hartwig OK, here is my list:

ING (Germany), + VISA credit (Apple Pay coming 2019)
comdirect, + VISA credit (Apple Pay registered)
Postbank, + VISA credit
DKB, VISA credit (Apple Pay coming 2019)
Wüstenrot direct, VISA credit

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

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

Echte Teilzahlung wird angeboten und muss teilweise explizit auch "gekündigt" werden, wenn man das nicht möchte bei:
Barclaycard, Hanseatic Bank, Postbank, Wüstenrot direct, teilweise auch bei der Amazon.de VISA Card
(hier kann man entscheiden, wieviel % monatlich vom offenen Saldo zurückgezahlt werden möchte, 100% hebt die Teilzahlung dann auf)

Mit Ausnahme der American Express Green und der Hanseatic Bank VISA GoldCard, sind alle Karten für mich kostenlos.

Mohammed-Purple-Quokka

Youssef Why N26 for holiday?

Tim

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. 👀

Petervdv

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

NikolaasIvan

Petervdv 🏳️‍🌈 Did you have any problems getting your mortgage being that bunq is your main bank? I’m thinking about switching fully from ING to bunq for banking

leendersf

Petervdv 🏳️‍🌈 Voor mij precies hetzelfde!

IcyPalm

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

Tuur

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.

RobV

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 :)

Petervdv

Rob Verhoeven 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. :)

Marcel

Rob Verhoeven Triodos for savings👍

Petervdv

I'm also curious how many bank accounts @Ali has. 🤔☺🤑

YY

Petervdv 🏳️‍🌈 I think also bunq

Regarding to this (dutch) interview
https://youtu.be/JxQaKWZJh6A He also switched to bunq

pbruins84

Just bunq, and a creditcard at ICS.

YY

Peter B 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.

pbruins84

Youssef 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.

olli

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

LH-Black-Wolf

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.

LH-Black-Wolf

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