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  • ABN not crediting transfers when forwarding Switch Service payments

@JeroenE#75365 Thanks for your feedback. Let’s first confirm if the issue is real, and then it’s up to Bunq and ABN

    @Lee-Lime-Lynx#75364 I sent 1 cent as a test to someone with an ABN account with the description you mentioned but it hasn't arrived yet. My bunq app hasn't added the instant payment icon either.

    So it might even be a problem with bunq. Did bunq support confirm to you the payment went out OK as an Instant payment or a normal transfer?

      @JeroenE#75368 Cool, thanks. Then I think we can confirm the problem is general and not specific to me 😄

      Bunq claim it’s all sent OK. But of course I can’t be sure if their system is lying to them or accurate. I didn’t hear that ABN confirmed it was received.

        @Lee-Lime-Lynx The issue is real and as you described. ABN AMRO's processing of the payment fails if you send a payment with a switch service description. Potentially causing payments to get "lost" in their systems. I had personally informed ABN AMRO about this issue over a year ago already through my own internal contact. It's a shame they haven't fixed it yet.

        We have reached out to them again of course.

        The reason we chose not to change the behavior of our app is first of all that in the vast majority of cases when forwarding a payment you would expect and want us to include the description. Even if it's some special technical description like this. So we'd need to build special exceptions for specific descriptions sent to specific banks? All to effectively fix somebody else's bug (and a rare bug at that)? That'd require a larger time investment than it's worth. Our time is better spent building awesome new features for all our users :)

          Just wondering what would happen if you would forward this payment with ABNAMRO switch service description to an ING or SNS account 🤔

            @Robert-Jan-Mahieu#75738 I understand your point. I hope you understand that I lost €1000 for several days, and wasted many hours trying to solve a problem that you now say is known (but not documented anywhere that I could find).

            Even if you don’t want to fix it (it seems the problem is ultimately with ABN to fix) I don’t think it would be hard to document the issue clearly, or put a note about it when requesting the switch service from ABN, or IMO a little bit of regex magic would easily spot and strip such a bit of text that you know to be breaking.

            I guess I have to trust that you’ve checked and confirmed the scale is small, and there aren’t more confused people out there with missing money.

              @Lee-Lime-Lynx#75743 As an addition - maybe tell your support staff this issue exists? If you check my messages to you I had to argue 3 times to explain the problem and get it solved 😄

                19 days later

                @Robert-Jan-Mahieu#75738 Sorry I find your reasoning pretty pathetic. This issue is still costing people their well earned money. Even if this is a small group it is not acceptable not to take some actions when customer money is getting involved. Building in some validation rules to give extra warnings isn't that hard to do.

                Sorry for my harsh words but I just wanted to say this.

                  @Randy-Azure-Hummingbird#82128 But it's not bunqs fault that another bank made this error in their system. So the onus is on the other bank to correct their mistake. Why should bunq do something about this?

                    @JeroenE#82129 Ik zeg ook niet dat Bunq het compleet moet oplossen. Maar het is wel een functionaliteit die zij aanbieden. Als de functionaliteit niet werkt of op sommige plekken niet werkt moet dit gewoon worden aangegeven. Dit zijn normale gang van zaken bij meerdere integratie-/implementatietrajecten.

                      @Randy-Azure-Hummingbird#82128 I'm sorry but who in this scenario is losing money? It's ABN's fault, not bunq's. This comic comes to mind: https://xkcd.com/327/

                      The bug is on ABN's side and they obviously don't care to fix that. So why don't you take your blame to ABN?
                      And if creating a workaround on bunq's side is that easy, as you say, why don't you help them out with your development expertise?

                        @Randy-Azure-Hummingbird#82132 Natuurlijk biedt bunq aan dat je een omschrijving mee kan geven bij een overboeking. Ik zie niet in hoe het de schuld van bunq is dat de andere bank bij specifieke omschrijvingen het geld laat verdwijnen. Het lijkt mij ook een heilloze weg om van alle banken in heel europa te verwachten dat zij weten dat ze zulke specifieke omschrijvingen naar die ene bank niet mogen sturen. De ene bank moet gewoon zijn eigen probleem oplossen.

                          16 days later

                          @Lee-Lime-Lynx#75746 Ik denk dat de ABN AMRO hun systeem heeft aangepast, of in ieder geval alle mislukte betalingen met de hand heeft verwerkt. De 1 cent is nu wel aangekomen. Overigens niet met de omschrijving die ik had meegegeven maar met "overstap van bunq" gevolgd door mijn rekeningnummer.

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