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"If this, then that" rule system

iMartien shared this idea 5 months ago
Wish

After reading this topic https://together.bunq.com/topic/automatisch-percentage-sparen, I think it would be very cool to have an "if this, than that" rule system, where you can set rules like:


If I receive a paymant from X (let's say your employer) than transfer this amount (or percentage) to account X.

Or

If account X is < 100 euro then transfer money from account Y

Etc. etc.


So. not only the default automatic savings functionality you'll see at traditional banks these days, but make it very versatile or even limitless ;)

Comments (193)

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171

Hi Martien 🙋,

Love your creativity on this feature idea! Would any of you other bunqers like to see this possibility as well 🤔?

Cheers!

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37

I would love to see something like this. This would be super super awesome.

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26

Yes, this would be an awesome function that I would use very often!

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30

Awesome idea, as long as it easy to use (no doubt bunq can manage that;)).

Would definitely use this to manage balances (eg. send money to savings account if balance on main account is greater than .. etc). This could also be combined with other suggestions that are made, such as the suggestion to automatically save a percentage of money spend (you could make a rule: if transaction is made, transfer % to other account), although this may be harder to implement.

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24

Yes definitely!

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29

This would be a great idea.

For now i transfer money 1 day after the latest possible day I recieve my salary, is would be amazing to be able to make a recurring transfer event every time you recieve a X amount from a specific party!

It would also be amazing to be able to “empty” the acount till a set amount. Lets say I recieve around €2000 every month, i pay all the stuff I need to pay, but because my salary changes every month because of night shifts and stuff. The amount I’m able to save changes with it. If the last transfer order after that salary came in says “transfer funds to acount X til €75 remains on account. This way I don’t have to manualy calculate my savings every month! But bunq just emty’s the acount till a set amount after all the other stuff is payd

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20

Definitely! It should be simple to automate the cash flows between your own bank accounts. In the they’re just numbers. I wouldn’t mind the to have a Authorisation in the process. So I open my bunq app and see: you have 5 processes to authorize. I’ll check them and boom 💥 all the incoming payments are split in to the right amounts on to the right accounts :) Just please tell use that you are working on this? I definitely would place this functionality above Apple Pay! 😁

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21

Yes, and also the possibility to transfer "all monthly left overs" on a certain date automaticly to my savings account.

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23

Yes please!

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11

Yes please!

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12

As a business user this would be an awesome feature to have a rule that would set aside the BTW amount of any paid invoice coming in.

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24

ey Martien doe jij ook gewoon aan bunqen? :-) grappig!

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18

Hey Helmer, jij zit ook overal haha! Ja... sinds vandaag... maar ga gelijk all-in.. ;)

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22

Nice....ik zit er al sinds februari ofzo. Niet helemaal all-in, want heb er nog wel een rekening naast (ook ivm hypotheekkorting enzo). Maar verder gebruik ik mijn andere bankpas (die van de hypotheek) niet meer. Dus eigenlijk ben ik wel all-in ;-)

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25

I came up with this idea yesterday as a comment on another topic: https://together.bunq.com/topic/automatic-transfer-by-incoming-payment#comment-21654


Actually, once implemented, it can stripe down (english?) a lot of wishes here! About auto redirecting money, auto saving, pinsparen etc


For me this wish is nr 1

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24

Well, great minds think alike I guess ;-)


But yes, you can solve a lot of functionality with this kind of system... would be very cool!

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22

+1 - Very good idea or if I get a payment change the Lights to Green and if i get a direct debit to red (Philips hue)

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27

Well, that would be cool too, but not what I meant with this idea ;)

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27

Maybe even a IFTT intergration

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22

IFTTT*

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17

Nice profile picture 😎

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24

Or a Zapier integration (IFTTT alternative).


With integrations like that you can connect to almost any tool, without bunq having to invest much time. Just notify Zapier or IFTTT and done!


For the non-programmer it would be nice to have it in the app of course, but that would be quite some work to build. Feels like reinventing the wheel.


Or start with an integration and offer it in-app if people still need it.

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20

Sadly, it’s not just contact them and done. Zapier is free to integrate, but you (as in the company wanting the integration) need to build the integration yourself. IFTTT on the other hand costs money. You need to buy a license to be allowed to build an integration for it.


Additionally, Zapier is more business facing and quite limited in the free plan so I think IFTTT might be a better fit for end consumers 🤔

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35

Hi guys... the discussion is getting of the rails here. I'm not aiming for IFTTT or Zapier or any other service integration with this idea. I'm aiming for a rule system within Bunq it self, based on transactions.

Ofcourse integration with other internet "automation" services would be cool, but I think it's better to open a different topic for that, so people can vote ;)


Thanks!

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22

I agree, and we can start with only a few conditions, and a few actions, but they can add more later. I suggest starting with these conditions:

-If balance above/below x (where above or below is chosen and x is chosen by user)

-If money received on account X (account is chosen by user)

-If money spend on account X (account is chosen by user)


Actions:

-Transfer amount X to account X (both X's are chosen)

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27

Agree, keep it inside bunq. But you can have a look at IFTTT to see how things work and maybe ‘borrow’ some ideas? 😜

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21

Yes! +1!

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28

Hey iMarten,


Isn't this already possible with our public API ?


You setup a callback for a payment to a specific account, afterwards when your receive this notification you preform some actions like any other IFTTT implementation. So this brings me to my following question, why would bunq need to integrate this if such creativity is already possible user side with our public API ?


Now of course if your post gets a lot of upvotes it will be another story :D and my argument might become weak.

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First, I'm not aiming for IFTTT integration or something, I'm aiming for advanced version of autmatic savings rules inside of Bunq. Second, not everyone one is a developer ;-)

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25

Hi Kevin,

thought about that myself, but there arent many companies diving into the Bunq API just yet. Also, there is NO good (semi-)free personal household app/website. So if this is implemented, plus something like scanning tickets from groceries and add them to payments, the Bunq app would be a great personal household app as well! (apart from being a great bank).

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27

Well I wasn't talking about any integration neither :P Just that the user can write his own program with our API:

" When I cat a callback for card payment, preform action A and B". These type of rules can be done with our public API. Any user, with the knowledge of course, can implement a "Rule System" with our public API and callback notifications!


Your argument regarding not everyone is a developer Is fair enough. But if a user builds such program and share it with the community... problem solved :D. But again thats my thoughts about it 🤔 But I completely understand! So lets see if you can get the votes of the community 😬

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18

How many votes for overnight implementation Kevin? :P

VOTE guys!!

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21

Haha!

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28

What Kevin says sounds really interesting. Perhaps someone with knowledge could show a code snippet as an example of how that would work, that'd be really great!

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22

This is quite literally the number one thing I would love to see in bunq. It would let me automate my finances and budgets and keep track of my expenses even better, and it will be a truly unique feature 😁

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25

Yes!

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41

I like this idea!

Some predefined rules/actions in the bunq app would be nice.

For example:


When: (received >= .. €) (date=..) (spend >= .. €) (balance on account x >= .. €)

Then: (transfer fixed amount ..€) (transfer .. % of available balance on account x) (transfer .. % of received amount) to account x.

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25

Goed idee! Als er percentages kunnen worden overgeschreven van een bepaalde vaste transactie naar een bepaalde rekening zoals in https://together.bunq.com/topic/automatisch-percentage-sparen is gevraagd dan ben ik tevreden!

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20

Even though I am well informed comparing to many other users I am not convinced that this would be a valuable addition. Most users are not that knowledgeable (I assume) and therefor it would require a failsafe inplementation which

- will not allow triggers to set off other triggers

- allow a testing option to make sure rule function as intended

- should be easily monitored and have good overview


In my personal opinion this would exceed the intended vision of Bunq by making banking easy for everyone.


So the advice to use the api for those who wish to elevate functionality is very sound.

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24

So the action must have a failsafe to not trigger another trigger.

Another temporarily solution would be to only transfer WITHIN own account, so to different IBAN. This way, money is never lost.

Overview is something Bunq will definiately think about. I think just displaying it in the event view with a tag trigger or something does the trick.(or description field filled in).

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19

Well, I agree, the key and the hard part is making this easy to use and fool proof. But there is a big gap between a build in, simple to use rule system and developing and hosting your own app to achieve this.

I mean, alot of Bunq users would understand creating rules (maybe not everyone), but a far less amount of users would know how to develop this using the API. I'm not a developer, but work in IT, sure I could hack some thing together and it might even work, but then I really don't want to host my own stuff to do this.

And yes, you can get some one else to build it and host it for you, but then, I dont really trust a 3rd party moving my money around ;)

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26

Switch on/off (in profile/settings) to enable more options for advanced users is maybe a solution?

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22

What has the fact that you're "well informed" to do with your opinion about this being a valuable addition?

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19

Well informed means that I am able to grasp more complex functionality and make rule sets that do as intended. I could personally use that but in a broader perspective I also see the issues for a large group of users.

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23

By stating that an API would be better I mean that someone could develop this for use by others.

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25

But if Bunq is interested to move forward on this, my thoughts on a good implementation would be to start at planned payments:

Option to send a percentage of balance (mutation) as planned payment

Option to have a planned payment triggered by balance mutation

Option to have planned payment executed in a specific time frame

Option to suspend a planned payment

Restriction on planned payments being triggered by balance mutation of planned payments


Am I there yet?

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22

Planned payments refers to the Scheduled functionality. I use the Dutch version. 😬

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43

As an entrepreneur this would be great to transfer 21% of each incomming payment to another account just to reserve it for the BTW (VAT) payment.

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36

17,36% would be better. That’s the BTW-part... 😃

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True...

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26

So many nice and useful ideas coming up in this thread! I really hope that this rule system will be implemented in the near future. :)

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Me too!

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21

+1! I was just thinking about this today, great idea!

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Yes I would also find this very useful!

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20

Perfect, this would compactify a lot of options normally separately available

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Good idea !!

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+1, great idea!

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+1 want!!!

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Then. With an 'e'

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26

Great idea! As a freelancer I was just imagining the same thing for taking care of automatically saving for BTW and Income Taxes.

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@Ali if the post gets 10 more likes, will you and the bunq team implement the feature?

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25

I like this idea

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16

GREAT IDEA! So you can make a rule like Peaks. To round-up payments to a certain amount and skim off that part to an other account.

IFTT is a great system!

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16

This would be too awesome for words! It would make it so much easier to e.g. put aside the BAT of 21% when you have a bunq business account or live by the "Pay Yourself First" mantra in personal investment / finance! I'd love for this feature to happen and be announced in a big way at one of the bunq updates in the near future!

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21

Haven’t been around on Together lately, good to see my idea got 200+ votes! Thanks everyone for voting!

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32

I'm sharing bunq bank-accounts with people who are not tech-savvy. They forget to switch the card too often. Two pincodes for one card can be a solution, but I think this is better:


If there is a transaction from Albert Heijn

then deduct from bank account groceries.

If there is a transaction from Shell

then deduct from bank account gas.


Or


If there is a booking from category supermarket

then deduct from groceries.

If there is a booking from category car and gas

then deduct from bank account car and gas.


Could you please add this for better budgetting? This way I don't have to explain the same thing over and over again how to switch a bunq card inside the app.


You can also add templates with if this than that rules, so I can send a template to other bunq users.

____________

Ik deel bunq rekeningen met oudere mensen die niet zo handig zijn met techniek. Ze vergeten best wel vaak de pinpas te switchen waardoor de budgetten niet meer kloppen en er een (onnodige) interne overboeking moet worden gedaan. Twee pincodes voor één pinpas kan handig zijn, maar dit is wat mij betreft handiger:


Als er een transactie van Albert Heijn is

dan graag afschrijven van de rekening boodschappen.

Als er een transactie van Shell is

dan graag afschrijven van de rekening benzine.


Of


Als er een transactie is van de categorie supermarkt

dan graag afschrijven van de rekening boodschappen.

Als er een transactie is van de categorie benzine

dan graag afschrijven van de rekening benzine.


Kunnen jullie dit toevoegen zodat de juiste transacties van de juiste rekeningen (budgetten) af gaan? Dan is het niet meer nodig om uit te leggen hoe een pinpas aan een bepaalde rekening kan worden gekoppeld.


Misschien is het handig om templates toe te voegen met de als dit dan dat regels, zodat ik ze makkelijk naar andere bunq-gebruikers kan toesturen.

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+1 voor het voorbeeld “de juiste transacties van de juiste rekeningen (budgetten) af gaan” met categorieën. Ik zou het ook fijn vinden als transacties verplaatst kunnen worden i.p.v. dat er een extra transactie komt om het effectief van een andere rekening/budget te halen.

Het zou ook super zijn als je deze regels ook nog kunt toepassen op al gedane transacties!! 😀

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22

Could you please add this for business users?


If it is the [?st] day of the month - then send the bunq UBL invoice to e-mail x.

Also please add UBL for invoices: https://together.bunq.com/topic/ubl-invoice-handling For more information about UBL visit: https://www.moneybird.nl/blog/70-ubl-factuur/


And this is also useful for businesses with accounting software without direct bunq connection:

If it is the [?st] day of the month - then send [all transactions of the previous month via pdf/csv] to e-mail x.

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29

Anything that gives uses more control with little effort gets a big thumbs up from me :) 👍


I would use this kind of feature a lot I think.

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22

Hmm, I noticed that the one thing I do often is balance checking and refilling accounts. Would be nice if I can use this ITTT feature for that...

But would even be more cool if I can define a backup account for every account.. just like with cards... then a direct debit, pin transacties of ideal payment never can cause a transaction failure due to low account balance. Just an idea 💡

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26

Of course it would be cool, but in the meantime, for pin transacties you can set the backup account of your card, for ideal transactions and direct debits you can choose another account which does have enough money, since you have to accept ideal payments and direct debits that you did not allow till a certain amount.

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To some extent I agree. But the backup for pin is not an option because I already use the secondary pin. Would be helpful if you could set up both at the same time.

Direct debit surely can fail if there isn't enough money on that particular account. And finally... yes, you are right that technically an ideal payment cant fail in that case.. but still would like to see that I don't have to bother myself during payment by having to select a different account all of a sudden.

I'm lazy :)

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And yes, I could also create more buffers on my accounts, but that makes planning and budgeting less transparent. For now I have created a new account that is called "buffer" and acts as a buffer (duhhh) Would be cool if I can configure that account for any situation where a transaction leads to insufficient balance.

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21

Today I took a closer look when using IDEAL on my phone. The website will open my bunq app and I only have to press accept (if default account is the right one).. during this process I standard don't see my current account balance. So, also when using IDEAL it would be very nice if there was an account backup option like when using cards!

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24

Can’t this just be build by an external developer/company by using the API? I dont think we ‘need’ bunq to develop this themselves.

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30

I’m sure it can, but there’s nothing quite like a great, fully integrated experience in the app that doesn’t require you to give some third party access to every account and transaction.


For bunqers, it also means that it’s packaged in their premium subscription fee and an additional advantage of it, vs. a third party that would somehow have to monetize ans charge for such a feature one way or another to keep it running.


There are lots of great API use cases, but this is one that could benefit a big share of bunq’s user base in some way, so I’d think it makes for a great integrated feature.

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23

When do we know when this feature will be implemented? I can't wait till bunq update #7!

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So enthusiastic! Way to go bunqer😎

We will update this topic when we have more news😊

So don't forget to tap on 'follow this conversation'👍

Cheers!

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If this feature is in bunq update #7 then show some confetti on the bunq app while starting the app. 😎

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Hahah well we do love confetti..... 😬 😃

7ddf358d786d0544f01b2a6cead96979

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I know, i just upgraded from bunq business basic to bunq business (premium) and there it was: confetti! 😃 🎊 🎉

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@Steffany @Lot When do you expect bunq update #7?

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Aren't you a curious bunqer😼

a0a601d4dcc14b12a41717472386fc7b

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2cbb9cdc39b212cb0e60bb1bca9b39b2

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bb0169b83aecd0eb15ce1f06472e23f7

I'm just wondering how (and when) to tell other potential bunqers about this feature...

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2d13a974853d0a47f6a74dec5fbf704b


I should have an offer they can't refuse. Please bunq, help me with a great offer feature!

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28

Yes please! Implement it in the next update. I’m bragging about Bunq regarding this... so I need to put my money where my mouth is😉

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It would be great for entrepreneurs as well. You could save 21% VAT of incoming payments in a separate account and transfer your estimated income tax to another. I’ve been thinking about this for a long time and I hope this will see the light of day!

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This is an amazing idea! I really need this. Also payments from certain accounts could subtract 21% VAT from the account back into the main account. I love the idea

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Al nieuws hierover?

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Ik ben ook benieuwd naar de status van deze Wish.

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Hi bunqer!

When we have more news, we'll be sure to update this topic 👍

For now, feel free to follow it so you can be sure to stay in the loop 🤗

Have a nice evening and keep the votes coming 🙌

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Er staat bij mij een groen blokje voor het aantal stemmen (428) wat betekent dat? Ik zie dat niet bij andere topics.

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Ben er al achter wat dat betekent: je hebt zelf gestemd op die "wish". Had gehoopt dat het zou betekenen dat een "wish" in ontwerp was genomen.

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26

Would love this! IFTTT is the future!

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Awesome - this feature would also enable implementing my wish for conditionally charging an account when making card-payments depending on what you use the card for....

Go for it bunq !!!

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This would be a great feature for this app! That makes this online bank even more amazing!

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I got a secret to share.... can I trust you boys and girl that this stays between us?? Today I dressed up as a window cleaner and wiped the windows of bunq HQ. My eyes got drawn to the monitor of one of the designers at bunq... guess what I saw??..... something beautiful I might add.. (or did I just had a dream? Cant remember for sure)...

/wfRpHaPjiJsHwAAAABJRU5ErkJgggA=

(did I pass the selection now to be the new bunq designer? :P)....

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Yes, looking good. I think the hardest part will be to make it easy for users to understand this as a system like this can become complicated real fast.

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You are absolutely right about that. Maybe you can choose between a basic mode and expert mode. But still. So, if bunq ever needs some helping hands in the development proces.. they could give us a call :)

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Looks nice! I love the idea in general. It will require some thought though to make this easy to use and at the same time failure safe (I can imagine users setting up rules like: on deposit on account A transfer to B, and on deposit to account B transfer to A; circle).

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Forgive me, I see some small design flaws. The double color bar on top is one of them.

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My heart skipped a beat seeing your PoC. At first I thought Bunq actually was developing this long wished for feature. Unfortunately not :o let's hope they're developing it in secret!

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I really like the idea, but I think it would take a lot of bunq’s resources that might be better spent elsewhere. It needs to acquire more users and a feature like this probably isn't going to accomplish that.

Also, I think this is what the API is for.

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I not fully agree with you. I would like this feature in a simple form, instead of having to be a skilled developerer to use the api. And bunq can't ignore the whopping 400+ votes.

But having said that... I agree with you that this feature will be quite difficult to build and require lots of resources. I would like that bunq first focus on the more basic features like having "Total amount" or the ability to assign a category to a event.

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25

Would it not be much easier to start with a simple balance / countdown function to top off high amounts on your bunq account?

That should not be very complicated to implement, just a simple rule that runs at a predefined time.Basically similar to how a cashier balances her till to a certain amount of cash, I guess we Dutch call it "de kas afromen".

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Yes, could be a good start :)

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@johndo: I get your point about the API. What I meant was; if there's demand, a developer could build a solution. I think bunq could refine the API and the front-end a bit so not every event is displayed in the timeline.


About the 400+ votes. It does say that amongst the current user base there probably is demand for this feature, however, even though bunq is punching well above their weight, they can only produce so much with the resources they have. They have to focus on user growth, meaning appealing to a mass market audience. As of yet I don't think they're there and there is fierce competition. As silly as it sounds, I'd rather have bunq fill the app with beautiful animated transitions, upgraded graphics, a more hip use of colors, have them produce a higher quality card to give users a sense of premium lifestyle (they pay a premium price). Anything for the sake of user growth. To retain customers it only has to keep ahead of the Dutch banks and on par with the international competitors. These banks offer mass market targeted functionality like insurance and overdrafts. If bunq could venture in this territory whilst adhering to their principals, they might have a shot.

Apologies for the 'ranty' vibe 😅

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I think that this feature would be the jump from an ordinary advanced banking app to a entire new way to do your financing. It finally would make having the multiple bank accounts useful. Please bunq make this happen!!!!!

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A system like this would be very useful and maybe tackle quiet some feature requests. But only if it is implemented with the step-by-step simplicity of IFTTT. First select a channel (event, schedule, request), then select one event name (payment sent) based on that channel and a few attributes (contact, tx type, card id), finally set the action(s) to run (transfer, split, notification).

So it has only 3 steps - channel, event, actions - and is no more than 4 levels deep. The event attributes can have and/or/not specification, just make sure it remains clearly within the event step. All actions should remain together in the actions step.

When maintaining minimalism this can be a real asset to both techs and normal users. Maybe even an extension to Together by sharing 'recipes'.

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20

Please use machine learning to make this feature easier for the big masses. Show one IFTTT recipe suggestion within each transaction. This way the user only needs one tab to add the recipe to his or her bunq account.

For example: if there is a transaction for Albert Heijn (grocery store) then make the suggestion within the transaction to always deduct these kind of transactions from the grocery bank account, and if there is no bank account for groceries, bunq should be able to automatically open a new groceries account. If there is not enough money on the newly made bank account, there can be a backup account.

It would be great to edit all the IFTTT recipes in the profile section.

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2 things you mentioned I realy love:

1) The ability to link a store to a specific bank account.

2) Setup a backup account on an account level. Just like an idea I posted earlier: https://together.bunq.com/topic/set-a-backup-account-for-accounts

You can argue if this features has to be part of an ittt system or a separate feature. Either way, I hope these features are coming... soon ;)

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Er zijn nu bijna 500 stemmen, gaat dit in ontwikkeling? Vind wel dat een bank als bunq zoiets moet hebben.

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25

Mijn stelling: met zoveel stemmen kan bunq niet veel anders dan dit bouwen (in een vorm). bunq is namelijk DE bank die echt luistert naar feedback. Dit is een echt vooruitstrevende feature. Maar als bunq dit gaat bouwen, zal men dit niet verklappen 😔😉


Maar, ik realiseer me dat dit is een zeer complexe feature is om te bouwen. Dus ik verwacht het zeker de eerste 2 grote releases niet ;)

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20

Gok dat dit echt een ding is voor de bunq “kwartaal” update ofzo, niet een dingetje om zo snel toe te voegen maar mooi in de spotlight zetten.

Men vermoeden is dat dit in april beschikbaar komt, maar is natuurlijk een gok van mijn kant en zeker geen statement vanuit bunq :-)

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1 april lijkt me een prima datum ;-)

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2018? ;)

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Inderdaad 1 april net als Google dat soms doet: een berg nep releases waarvan er een onwaarschijnlijk is maar dan toch echt blijkt te zijn. Zoals toen Gmail begon en het jaar d’r op gratis met gigabytes werd verhoogd, wat toen nog zeer ongebruikelijk was.

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17

This would be great!

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21

I noticed that in many comments on wishes and ideas, this feature is mentioned as THE solution. I think that's in most cases theoretically true. This feature has huge potential. But, for myself I come to the conclusion that this feature would be great for the more advanced user whom seeks total control! But on the other hand I think such feature can be a bit (too) complex for the average user, no matter how easy you design it. So, I think we should not bet all of our money on this horse 🐴 but still implement some handy feature in the 'regular' interface. Nevertheless, I personally would love to play around with such ittt feature.

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A nice alternative for the average user could be an option to share your ifttt’s as ‘widgets’, so they can copy rules made by others. This way they wouldn’t need to have any knowledge but would be able to use the functionality to its full potential.

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18

Zapier integration! 🤗

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19

I would love IFTTT for Bunq as well, therefore we made an app that does just this!l using the Bunq API!


The app is called Flow. With it you can set all kinds of rules based on transactions/bank activity. The app is working already, we’re preparing for a closed beta to test and develop further.


Check this topic for more info:

https://together.bunq.com/topic/automate-bunq-payments-with-flow


Or check our website: https://flowyour.money


Our twitter is @flowyourmoney

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Can I participate in the beta?

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Yes please..

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Dit is precies wat ik nodig heb!!

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Yes, this would be the most awesome feature ever!

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I'm curious if bunq will develop this feature in the bunq app or not.

It must be really clear what will happen with my data before I will sign up for third parties like flowyourmoney. Also take a look at the flowyourmoney topic.


Still can't wait for bunq update #7. When will it be?


2018-0?-?? update 7

2017-11-30 update 6 - https://www.bunq.com/en/news/bunq-update-6

2017-08-02 update 5 - https://www.bunq.com/en/news/bunq-update-5

2016-11-16 update 4 - https://www.bunq.com/en/news/bunq-update-four

2016-05-03 update 3

2015-11-24 update 2

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If I would have to give an educated guess.. I think bunq isn't going to build an ittt system within at least the next 12 months. I bet bunq would rather support initiatives as Flow. You also see this happen with Oly and Limitless. Not a strange move.

But, like you mentioned,... it has to be absolutely clear with whom you share. And with Flow this completely unclear for me. I looks like a group of friends instead of a company, and that will be a primary reason why I wouldn't use there app. But dont get me wrong, I really appreciate what they are doing.

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Don’t be too sceptic John Doe! The lack of explanation does not mean the initiative is not safe. The plan is an iOS app so basically restricted to the phone with it’s own database. If it’s design does not involve a webservice or transferring data through a server that is not in the chain of control (bunq/user) it is perfectly safe as it operates under your credentials only. I am not in this group of commendable enthusiasts but this would be the design paradigm I would use.

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Hi Jaap, you are right! But for now, Flow is unclear to me and so we have to wait and see. I'm not skeptic in general about these kind of developments, for instance I support Oly and Limitless. And I always love beta testing ;)

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Thank you for your support, John!! :)

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Great idea

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Yessss!!! This is by far the most active topic! @Ali; can’t ignore this buddy. 😘

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Just came back to check my suggestion to find out it has 550+ votes! Thanks everyone for voting!

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And a group of bunq fan coder are building it as we speak :)

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Absolutely! I allready submitted this idea back in 2016. Unfortunately it never became a priority to the developers!

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This topic is open now for 4 months. Can someone of support give an answer when this can be implemented as it is very popular topic.


I would appreciate if there would be a definite answer if this will be implemented or not. Bunq had 4 months to think about it right.


An ETA when it would be feasible would also be nice to know.


Thanks bunq for sharing your intentions with your users !!!

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7

Hey Perry,

We never disclose it when we're building a certain feature. Why not? Several reasons actually.

* We want to keep it a surprise! 🙌

* A lot of unforseen things happen every time we're building a feature. Making us change it or go back to the start.

There's an API dev team working on this feature though, you can check it out right here: https://together.bunq.com/topic/automate-bunq-payments-with-flow

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Thanks Koen for your response.

I appreciate that an API team is working on this, but the strength of this feature is best when implemented in the native Bunq app.


I surely hope that Bunq sees the importance of these ideas raised by the users.

In the end we all try to make Bunq better for us all !!

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Hi Perry, I am a very curious person and yes the waiting part is a bit nerve-wracking sometimes :) But as Koen pointed out, I can see why bunq doesn't reveal what they are working on.

I agree with you that it would be better if bunq build this in the bunq App itself. I think that would be the only way to keep the typical bunq look and feel. But if I'm honest, I think bunq will rely on a third-party app for this feature.

Finally 4 months isn't that long, it is a complex feature to build (back and front) especially to keep such feature understandable and easy to use.

But who knows what they announce the 20th :))

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Hey Perry & John Do,

Thanks for your feedback! We truly do take your ideas into consideration- it's great to have a platform such as this where we can all collaborate and brainstorm together 💪

But for now, surprises are the most fun after all 🤗🎉

Cheers!

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Bunq update 7?👍👍

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b28d082c26b5752ada9d7ea926b8525a

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Bunq update 8 dan maar..

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Dat hoop ik ook :-)

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Flow is toch aangekondigd :) ik gok dat bunq daarop zal leunen :) 🌈

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I'd personally prefer to give as little as possible third parties access to my accounts. I hope bunq will still work on this themselves.

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I agree René, native support would be the best in my opinion.

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I'm not quite sure of this but my perception of working with API's (which 3rd parties do) is that no information is centrally stored on their servers. The API is basically a pipeline from Bunq to the enduser, but doesn't get recorded on the 3rd party servers necessarily. Maybe someone knows this for sure?

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What now? We still want this feature. Most banks already have such functionality. I don't want to be left dead in the water this time... like many others

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Which bank has this?

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Rabobank had something similiar. Which allowed me to transfer funds higher then 1k to another account after paycheck. Automatic savings

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Knab also had this since the beginning. It was/is somewhat limited, but better than nothing. They call it “slim saldo beheer”

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I would love this feature to. Big fan of IFTTT 😜

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Hey everyone! So glad to see that a topic around savings got so much attention! We very often hear that young people can't be bothered to save... well, here is the proof of the contrary! 💪I know it's not the same concept as outlined above by iMartien, but we do have a kind of rule system - we just calculate with your spendings rather than your income. And why? Our hypothesis is that young people tend to have fluctuating disposable income and there is often nothing left to save from at the end of the month. So we turned it around and move a small amount (% of the value) on top of a purchase value to your designated "savings" account where it is accummulated towards your own goals. Curios to learn more? 👉 https://together.bunq.com/topic/limitless-set-personal-saving-goals-and-save-automatically-free-app

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I have tried it and it is a cute app. It is not close to what this topic intends or what Flow has in mind but I think it’s a welcome addition to create saving goals and save little bits all the time.

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I would most definitely use this! It's automating what I already do whenever I receive my salary and would save me lots of time.

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I was just at the filling station and thinking that it would be great if it was possible to just pay. Knowing that bunq would automatically deduct the transaction from my shared bunq gas account.

Right now I have to search through all of my 18 accounts under cards to select the right account before paying.

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You could also order an additional card, link it to the shared account and always keep it in your car :)

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Yes, but with this feature, BD would not only use it at the filling station, but also use automatic rules on the super market, the gift shop, the pub, etc..

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I am still waiting 😀

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Yes, I would love this feature and use it to automatically transfer money to other bank accounts depending on the sender or the description (like you can automatically filter e-mail and forward it if the sender is x or the subject contains the word y).

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If there was a award show for bunq together, this topic would win for most upvotes. 🏆

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Klopt, al bijna 700 stemmen. Misschien dat als we de 700 halen, dat Ali dit toch door bunq laat bouwen?

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That would be nice! @Ali, how do you think about this? 😉


Or maybe not in-app but via a subdomain on the bunq domain, like rules.bunq.com 👍

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We zitten boven de 700, Ali...

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bunq needs to consider developing this functionality themselves because external companies aren't even able to deliver a beta of this functionality.

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And even if they could it would have a be a very serious company. For they would have access to our bank accounts. Much better if bunq takes care of this.

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Bunq? Any update yet? We have been waiting for quite some time now.. and I am personally considering switching because there is simply no savnig option available and/or categorizing expenses. I think we are all waiting for this to happen. And if you are building anything, please be transparent and keep us posted about any future plans. Not the "we will put it on our wishlist" awnser

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I don't think bunq is building this. bunq even referred during the Update7 event to Flow (a ittt initiative by some coders outside bunq). And there is also another initiative in the making. Another hint is that bunq always stated to wanna keep the app as clean and simple a possible, that would be a big challenge if you would add this feature (on the other hand, if someone can it will be bunq).

Finally, I don't think bunq would give us a hint if they were building this right now.

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You can’t force an agenda, you have to inspire one. — Mr Robot

bunq never shares if and when a feature is going to be released. I also wish I could shout really loud and ‘poof’ 🐣 my wishes magically come true. But that’s not how the cookie crumbles. Even magic takes time to become, especially when it needs to be both smoothly designed and stable on launch.

So let go of the pressure and spend your energy on inspiring others with your thoughts on how you would like this feature to be. The cons and pros of your experience with similar implementations. A solution may be just around the corner waiting for your input and if that is still not soon enough, you can always build it yourself. Or together.

https://doc.bunq.com

https://flowyour.money

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This topic is by far the most voted in this bunq.together

After few times trying to get more information if bunq would want to implement this in the app, I conclude that this is not going to happen.

At best this option would be possible using flow (WHEN and IF it ever will be launced) thru an API connection. This option will not for me as I believe this implies some security issues and I'm not trusting any third party with my banking details other than bunq.

What I really hate about this situation is that I do not feel appreciated by bunq not taken seriously. This topic is most voted but nothing happens.

I really question myself why I participate in bunq.together at all.

Sorry to be negative, I really like bunq and would never change bank! But I do feel undervalued and frustrated.

What are your thoughts on this insight?

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Hi Perry,

We appreciate you sharing your feedback.

We always try to stay transparent and inform bunqers when we have updated information. We have not disregarded this wish, but there is no updated news on an implementation for this feature at this time.

Be assured that we do take your suggestions, ideas and wishes into account and really do consider all of your contributed input! We would never want you to feel undervalued so please know that you are being listened to and that we truly appreciate having you as a bunqer 🙂

When we have updated information about a new feature, we will make sure to update the topic. So make sure to keep an eye out and follow the topics that you would most like to see created 👍

Thanks again for reaching out and I hope I was able to provide some ease of mind. Keep being awesome and thanks for being such a supportive bunqer 🌈

I wish you a lovely rest of your weekend!

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Hi Perry, that is a honest response. I can understand where you are coming from. But there are some clues why I think bunq is going to rely on.. an support initiatives like Flow instead of building it themselves.


Small remark... Flow is going to use the Connect feature for the production version!

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Thanks Elise and John.

Still I'm disappointed and I truly hope bunq knows what they are doing.

This ittt is important to have I believe. Not via a third party but native in the app, for the sole reason of security.

But, honestly, I'm noticing that my energy to try and convince people is fading. So expect this to be my last post in this topic. Same goes for the absence of a watch app.

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Zo te zien is Moneyou ook met het idee aan de haal gegaan: https://create.moneyou.nl/challenges/welke-regel-zou-jij-toevoegen-aan-moneyou-go

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Of ze gaan straks ook Flow gebruiken. Wel een leuk idee om andere ifs te ondersteunen zoals fit informatie

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I would love this kind of functionality. Might also be interesting to have date triggers so I can "automate" some things only while I'm away on vacation.

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Guys, thanks for the stickers and the cute pic. Now get crackin’ on this app! Need to automate my finances. 😎

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What he said

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if(received > 999)

{

turnOn(discoLight)

playMusic('abba - money money money')

}

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If switchDiscoLight(received > 999) { playMusic(‘abba - money money money}


Is more efficient coding 😉. Function returns true if disco light was succesfully turned on. It will only turn on when input var is true.

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‘) , forgot that....

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@Jaap yours is not more efficient, on the contrary :) in the parent example only one statement needs to be evaluated in the <= 999 path, in yours a function call happens even when it would not be needed to call it in the first place.

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You do realize it is a joke right? Hence the lack of displaying the function code.... 😉

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Also, the first sample does not turn the disco light off, mine does, thus requiring only 1 function instead of 2. But, still a joke. 😂

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I would also be very happy with this!


It seems to me very nice, once I've got my salary, to replenish my bank accounts (groceries, holidays, car), to a fixed amount. And then reduce the money left on my "main account" to a fixed amount and send the remaining money to my savings account.

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Ik bedenk mij net: waarschijnlijk kunnen we dit alles al wel automatiseren met de BunqAPI alleen heb je daarvoor een systeem nodig om iets met de BunqAPI te doen. 't zou al heel tof zijn als we de functies vanuit de BunqAPI als script kunnen toevoegen aan de Bunq-App / online op de website o.i.d.. Dus dat we de BunqAPI(of iets vergelijkbaars) kunnen gebruiken zonder dat we daarvoor een server/website o.i.d. voor nodig hebben. Soort cronjob achtig iets.

In dat geval mag het best heel codematig zijn.

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Denk dat ze het zo doen. Maar dan in een app

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Ik vond dit artikel, we zouden nu al een heel eind moeten kunnen komen: https://www.linkedin.com/pulse/money-automation-charl-pels/

In het artikel ronden ze je rekening weer af naar een rond getal, als dat kan dan kun je ook andere dingen automatiseren :-)

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Ik kom er een aardig eind meer maar volgens mij is er wat veranderd in de API. Dit weekend maar even in duiken :)

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Still waiting (looking at you, bunq) 🤣