🇩🇪🇬🇧 Wish: Partnership with barzahlen.de

Flo-Teal-Zebra

DaveFlash I also agree on that topic and I don’t understand why germans and german retailers have such problems with (especially credit-)card payments.

It would just be nice if I had an option to deposit cash into my bunq account.
Because some times you get cash as a present or as tip and maybe you want to save it instead of pay the next weeks with cash.

DaveFlash

Flo 🇩🇪🇬🇧 god damn it! had a whole reply written for you but my computer crashed and it's gone, suffice it to say creditcards are also not accepted in the netherlands as are debitcard. retailers do not know the difference between mastercard and mastercard or visa and visa and think when you talk about mastercard or visa you are talking about creditcards so ppl from outside netherlands will find their visa or mastercard will not be accepted even if it's not a creditcard. damn it! all the nuance is gone. only maestro and v-pay usually work here.

Flo-Teal-Zebra

DaveFlash It’s the same here, but worse, because there are girocard, EC-Karte, geldkarte and other niche-products, and about half of the retailers doesn’t support all, some even only one type of card... sucks!

But that’s another topic, which can’t be solved by bunq.

Heiko-Hartwig

If you have to take care of cash you need to stay with a german bank. In that case you'll further need your N26 account.

johannes

Heiko Hartwig .. or bunq partners up with Barzahlen :)

Dirk-Maroon-Eagle

I can not understand what made you happy about changing from n26 to bunq. Bunq is much more expensive and does not offer a feature to put cash onto your account. I like n26 much more. I only use bunq for ideal payments and waited for black friday to get a free premium account. I will never upgrade to the paid version.

----

Dick I think you should read a lot more postings here in bunq together. The advantages of bunq have been discussed here many times. If you do not like it, ok...

Robert-Silver-Turtle-4265395482

Agree 100%. A cash deposit feature would be an awesome add-on to an already great service. Not a deal breaker for me, but I've missed it since signing up for bunq.

Arcardy

Agree. Cash is very often the only option to pay things in germany. You want ice cream? Cash. French fries? Cash. A new haircut? Cash. New fingernails? Cash.... And if some shop accepts card payments, that doesn't mean that you can pay with your bunq maestro... since often you can only pay with the german "girocard" . :(

A function to deposit cash would be cool. But otherwise, barzahlen is a bit expensive. But: I wouldn't mind if the user has to pay like 50 percent of the fee.

Flo-Teal-Zebra

Arcardy 🇩🇪🇬🇧🏳️‍⚧️ Yeah, that’s what I’m saying.
Maybe also a fair use policy, like having deposits and withdrawals up to a specific limit for free and after that a fee.

Christoph-Green-Frog

I don’t thinks it makes sense for bunq supporting barzahlen.de to deposit cash. I keep my cash, cash. It’s never hundreds of Euros but often 20-150. I don’t need that money in my account just to withdraw it again to pay something in cash when you need to in a small German shop. Cash remains cash and is stored in a box at home. Using the “ATM function” at the supermarket is nice but with 10 free ones at a regular ATM bunq offers enough. Bunq is servicing so many European countries that supporting another local service like barzahlen is too limited no matter what barzahlens future plans are. The other thing is I urge anyone to have at least two accounts (2 different banks) with money on it. Your need to be flexible if an account get freezed for whatever reason. Regulation can be painful those days. Also some customers prefer having an emergency overdraft just in case via a 2nd account at a bank providing it. But these are just additional personal thoughts 💭...

johannes

Christoph So bunq shouldn't support this because you don't need it for yourself..? Sometimes you have more cash than 20-150€ and you want to have it safe.
Or you sold something and now you want to keep it on a savings goal..
Just because you don't need it for your cash, doesn't mean others don't need it :)
.. and well, the bunq account switching service is only for the Netherlands. So a service for Germany and Austria, a big market with many cash, should be ok to support..

Christoph-Green-Frog

Well NL switching service is a one time tool that “works for marketing” in some kind of way. Bunq has its origin in NL, most customers are in NL and also iDEAL is full NL. Sofort is for topping up the iDeal alternative for many other non NL customers. But there was nothing for cash top up in NL. And yes I dont need that cash option for myself and sure there are the ones that need it. But I can only speak of myself. We just summarize opinions... 😊

johannes

Christoph Just a tip: When you use the reply feature the people you are replying to will get a notification :)

Christoph-Green-Frog

Johannes 🇦🇺 😄 sorry. Yes much better that way 👍

johannes

Christoph Worked! :)

Severin

Sorry for waking up the old thread again, but I was somehow directed here with newer Barzahlen threads.

Bunq already supports things like iDeal (Netherlands only), Dutch Switch Service (Netherlands only), Apple/Google Pay (selected Countries), so why not Barzahlen?

Especially if bunq wants to become a bank for all everyday banking, cash deposits are a must for me. It's not about huge sums, but for me, mostly about small coins.

Although I still have a German bank account, just for SCHUFA's sake, girocard only stores and extreme cases of SEPA discrimination, I don't really like to use it because of their customer service and the app. There, I could do cash deposits via Barzahlen. Apparently, it's not that complicated to implement that, so why not?

JeroenE

Severin Bunq does not believe in cash, you can read this in their Terms & Conditions. So until bunq make the same 180 turn like they did with investing the chances they will do this are slim.

Severin

Jeroen 🏳️‍🌈 They don't believe in cash. Great, I neither. But I'm neither I nor bunq are the king of the world, and many economies in Europe heavily rely on cash. A live without cash can be quite annoyin there. For instance, I don't get anything to eat without cash or girocard on my university campus. Bunq offers quite good cash withdrawal conditions, so I withdraw with my bunq card, get bills, get change in (small) coins, and in the end, i have lots of coins that I want to make to proper (account) money again. Unfortunately, I can't.

NiB

Jeroen 🏳️‍🌈
Yet despite "not believing in cash", they began offering a whopping 10 free withdrawals a month when hiking their prices to current premium levels.
Which, in turn where a multiple of their former prices they were "believing in".
Oh, while we're at it: didn't they believe in "only paying for what you're actually using before that" (with their first pricing scheme)?

One can hardly be faulted for coming to the conclusion that their "beliefs" should be taken with more than just a grain of salt. Especially with concrete specifics of their offerings. They're probably more driven by customer demands and their bottom line than some might acknowledge.

On a more positive note, their striving to provide a "great experience" that is worth its (premium) price seems ingrained in their culture.

EDIT: sorry, I probably better should have said it here.

JeroenE

Severin Right, the word "deposit" went missing from my sentence. Sorry.
I understand it's not fun, I don't like it either even though I mostly don't need it. But it's not like it's a secret that bunq doesn't want to support it. They same goes for cheques.

Severin

Jeroen 🏳️‍🌈 The difference between cheques and cash deposits is that there are serious alternatives to cheques, but what is the serious alternative to cash deposits?
Cheque clearing would mean big changes to bunq's infrastructure for very few people using it. Cash deposits are used way more often than cheques nowadays, and are for sure easier to implement.