• Daily limit not working properly on virtual cards

All,

When I enable a daily limit for one of my virtual cards and turn off the switch at the bottom which applies it to all your virtual cards, you may guess it already, it will still update the daily limit of my other cards.

Seems like a bug to me.

Anyone else experiencing the same?

Brian

    @BrianVeltman#69621 Yes and the CVC code is unfortunately shared by all of them as well. Bit sloppy. Has been discussed in various topics.

      @BrianVeltman#69621 Hi Brian,

      Yes, you are right! I did some various test together with @Bastiaan and we can reproduce it. As mentioed ​the same goes for the CVC.

      I honestly think bunq did design it this way. bunq sees this as one virtual card with the ability to create more account numbers. But I can understand this looks confusing for users.

      I think there are three solutions:
      - limit and CVC are per virtual card.
      - show the option limit and CVC on I higher level so its clear that it goes for al created Online cards.
      - show a text near the option or when altering so that it will be clear for the user what will happen.

      I would personally vote for option 1 :)​

        @LH-Black-Wolf#69636 Logisch ist es nur eine (Online) Karte, die diverse Kartennummern besitzt und daher auch nur ein cvc eintrag

          @Bernd-Teal-Share#69642 I don’t speak German, sorry. If you’re saying that makes sense: no, it doesn’t. Various card numbers should be able to have different expiration dates and different CVC codes, just like physical cards. Sharing a single CVC is nonsense and this is the first implementation of virtual cards I encountered that does this.

            @Bernd-Teal-Share#69642 Well, bunq calls it "Your online Cards" so I can imagine that this can be confusing for some fellow bunqers.

              @LH-Black-Wolf#69643
              Why "should" they have different expiration dates and CVC codes? It doesn't really matter, since they're different card numbers?!

                @NiB#69765 CVC codes aren't supposed to be stored anyway so simply use the rotating CVC code and it will work exactly the same as 5 different cards

                  One Online Card with 5 different card numbers? Can this really (technical) be? This doesn't match the fact that a customer can have 5 online cards without extra costs.

                    @NiB#69765 Because both are security mechanisms and it’d be odd that if you create one in two years that it has the same exp date as one you created today. But either way, the problem is CVC codes. You are forced to make them all rotate, there’s no way to keep one static. That’s annoying. That means if I want to store one and memorise the CVC, its not possible to change the one of the others or put a “hot” card on rotate.

                      @Heiko-Hartwig#69772 If that would be the underlying implementation, that would kind of be a possible explanation for the display "bugs" we are encountering with the online cards in the accounts view and in the all cards view.

                      I don't think having the same CVC plays a huge role, as they shouldn't be stored by any merchant or payment provider anyway, but it would be nice to have a bit of a cleaner visual design language here maybe.

                      Edit: Maybe someone who uses more than 5 online cards could comment on whether the extra set of cards also share the CVC with all of the other cards, or if the 6th to 10th card are a different set to the 1st to 5th card.

                        The screen says it clearly, it seems to definitely be by design. I think the switch is meant to set the limit for either only all your online cards or the other cards as well. Poorly worded

                          Well maybe it’s just me but Bunq is clearly going for quantity rather than quality when they release new features.

                          What is the use case of having multiple “online” cards when the security settings apply to all of them?
                          I’d like to be in control of the amounts that a merchant can withdraw from my account. For example iTunes / App Store has a limit of €20 a day while Netflix has a €15 limit and AWS €50
                          This is not possible at the moment..

                            @BrianVeltman#69867 What is the use case

                            Easy budgeting. I have nearly 25 accounts, so it's nice when I can set the cards to automatically charge from the specific account for that budget category.

                              @BrianVeltman#69867 You can connect the cards to accounts with the respective amounts in them if you are worried they will deduct too much. Or use services you trust more

                                @Peter-Danger-Mouse#69923 Dat werkt goed alleen maar als je maar 1 bedrijf per rekening hebt gekoppeld.

                                  @JeroenE#69929 To be honest I don't think daily card limits are a good solution for their problem. It sounds much more like they want a monthly limit, and different accounts is the only way to achieve this right now

                                    @Peter-Danger-Mouse#69946 Yeah, I'm not sure if the limit for whitelist was daily or monthly.

                                    With direct debits you get monthly limits. Those have their own problems though. For example when a company normally does a direct debit on the 30th but due to weekend, holiday whatever it gets pushed back to the 1st. That direct debit will go through but the next one on the 30th won't.

                                      @JeroenE#69953 At least for direct debits that exceeded the limit you're asked and can just approve them manually.

                                      I do however think that all companies mentioned above are trustworthy and if they charge you more than what they probably have a right to (e.g. you bought something with your iTunes account, or used additional services of AWS). I'm not sure what either daily or monthly limits would solve in this case