"If this, than that" rule system

iMartien shared this idea 2 weeks 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 (53)

photo
45

Hi Martien 🙋,

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

Cheers!

photo
10

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

photo
7

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

photo
9

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.

photo
8

Yes definitely!

photo
6

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

photo
photo
5

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

photo
6

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

photo
5

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 ;-)

photo
photo
8

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

photo
6

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!

photo
photo
7

+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)

photo
6

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

photo
photo
11

Maybe even a IFTT intergration

photo
6

IFTTT*

photo
3

Nice profile picture 😎

photo
photo
6

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.

photo
5

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 🤔

photo
photo
20

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!

photo
8

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)

photo
7

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

photo
photo
6

Yes! +1!

photo
5

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.

photo
6

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 ;-)

photo
5

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).

photo
7

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 😬

photo
7

How many votes for overnight implementation Kevin? :P

VOTE guys!!

photo
5

Haha!

photo
5

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!

photo
photo
12

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 😁

photo
7

Yes!

photo
photo
10

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.

photo
7

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!

photo
8

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.

photo
7

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).

photo
5

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 ;)

photo
11

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

photo
7

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

photo
2

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.

photo
2

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

photo
2

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?

photo
2

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

photo
photo
8

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.

photo
10

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

photo
5

True...

photo
7

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. :)

photo
4

Me too!

photo
photo
5

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

photo
6

Yes I would also find this very useful!

photo
5

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

photo
5

Good idea !!

photo
3

+1, great idea!

photo
4

+1 want!!!