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Support offline payments

Robin shared this idea 8 months ago
Wish

I am thinking about upgrading to the premium subscription. Unfortunately Bunq does not allow to make offline transactions. For example in airplanes, remote shops etcetera. That's a big bummer because I would really need that during my traveling.


Is this something that would be supported in the near future? This is the only thing that is still missing and I cannot do without.


I can't be the only one with this problem.


And yes, Bunq is online only so it can checks the pin and amount on the account. But nowadays that isn't enough... offline can occur sometimes. And without that as a function the Bunq cards are quite useless. So I could better stick with the large bankings.


Is this something that would be added soon?

Comments (18)

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44

Hey bunq,

Maybe it would be possible to give the user an UCOL Offline Limit of 100EUR by blocking an amount of 100 or 200EUR of his/her money? Or an option to activate Offline Limit by blocking own money on own risk?

What do you think?

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22

That could be a real solution to this problem! In that case Bunq can be sure that the user has the amount available and we can always pay offline. +1 on this one!

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25

The option to activate this offline blocking manually and for a limited time sounds like a really nice solution for offline payments!

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22

Or bunq actually supports offline transactions like any other bank. I don't care how, but if bunq wants to be a bank, they have to support basic features like other banks.

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31

Bunq dont want to be like other banks.. btw

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23

This hasn't anything to do with being like other banks, I thought that was clear. For bunq being classified as a bank, they should support basic features like offline transactions.

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25

The offline ATM cash withdrawal problem is a major issue for me as well. Having this feature would allow me to quit my main bank and move over 100% to bunq.

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20

Awesome idea!

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21

It seems like I am not the only one with this problem or suggestion. Couldn't it be put on the wishlist? Sounds like a more standard functionality. You need to be able to rely on a bank by paying everywhere without any problems. Now it's a big disappointment of Bunq..

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20

I've used my card successfully in airplanes and other places. True 'offline' terminals are near non-existent. When a payment does fail in many cases it is an issue with the terminal.


Have you actually hit a tangible issue we can research/improve?

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17

But terminals in airplanes are not always connected to the internet, or am I wrong?

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20

And issues with the terminals, how could that be minimized? If I want to pay by card it must pay. All other banking accounts will work, but bunq can 'block' a payment by some circumstances. Can this be avoided? Would be a pity if I can't pay everywhere

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1

Ali, is it possible to offer a co branded credit card from bunq, where all the risk and paperwork is done by for example ICS or American Express?


The user will get a creditcard in bunq colors, but it's issued and maintained nu ICS for example.

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15

Today morning 3 minutes after the local supermarket opened. I wanted to pay with my Bunq card, but that didn't work because the terminal was offline. I had to use my "backup" girocard to pay. This is no fun :(

Please find a solution that will work :)

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27

I love bunq and I use it for everything, but I have to keep my other bank for this part. I would love to cancel my other bank. I feel like bunq could make this work and just set an maximum ammount to reduce risk. I know in an ideal world everything would be online but since this isn’t the case and bunq wants to be there to make the client experience as nice as possible I feel like this is a easy way to do that. This would make me cancel my other bank! So please make bunq even greater 🌈🌈

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27

I think you should be more reasonable here. You want to pay by card? So you take the risk the terminal may be out-of-service for different reasons. In Germany the 'Geldkarte' does not seem to be a success, in Belgium 'Proton' same system where you charge your card beforehand, has disappeared. Online-terminals are more secure, failures are relatively rare and it is always better to have at least some small cash amounts at hand. In this light I do not see a need for bunq to change.

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21

I didnt know about not being able to pay on a offline terminal.. Yesterday i was working and wanted to buy a Coca Cola in the store and my card got declined.. It was €1,40 and I felt really embarrassed! There is enough money on my account and couldn’t pay €1,40.. This is a real no go for me!!!!

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3

I know bunq doesn't want to work with credit, but I have an idea which can make credit cards and offline support (full offline payments with the debit cards) possible:


Offline support:


Let the users add an additional account only used for the offline support. The user can put e.g. 100€ on it and bunq is "blocking" the 100€ as a "safety" for offline payments.


So when the user uses the card for an 10€ offline payment and the money is on the normally linked account, the offline support account will not get used.


But when there isn't enough money on the normally linked account the offline support account will get used and the offline support will get changed to the new amount on the offline support account.


I know full offline payment terminals are not common but there are offline terminals out there and it sucks if you use your fancy looking bunq card with all that great features for an 1€ drink, but the payment gets rejected.


Offline support isn't something only for credit cards, here in austria almost every bank give users an smaller or bigger offline limit.


I personally got that problem at a "burger king" - the internet connection was broken so the terminals fallend back to offline. No customer had a problem with it, but me with my fancy bunq card got rejected for an 8€ meal and with no cash in my pockets. At least I had my old bank card with me and I could still get my meal, but with bunq as my only bank account? I would have been lost.


So it can happen, also at "big" merchants.


So please don't just say "we don't want to give credits, it doesn't happen often so we don't want to implement this", if you want to get more and more customers you should implement this.


Your customers are ready to pay more than usual, but then the cards should really work everywhere like with normal banks.


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My Idea for a credit card is almost the same:


Banks can issue credit cards also if there aren't linked to a "real monthly credit".


As an example the ING Diba in germany. The credit limit is the amount on the normal bank account, but they "hold" the payments for 2 days like if there is an credit.


So it is like a "2 day credit" instead of a monthly credit based on the money you have on your bank account. At bunq you could also use this "offline limit" account for offline credit card transactions. Changing the "credit limit" every time there is a change at the bank account shouldn't be a big problem, its similar to the debit cards.


So a credit card payment would also show up instantly like a normal debit card payment, but you would only "block" the amount on the account and finally book it after 2 days. The users doesn't need to know this, they see this like a normal payment - it's just different in the background.


If this doesn't work, just add an extra "credit card account" like the offline payment account to use this as a "credit" given from the user itself.


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You can also link this ideas if the first idea for credit card payments would work:


When the user sets an offline payment account for offline payment support, he will only get credit mastercards because the "credit" limit is just the balance of the normal account + the offline limit is "saved" with the offline payment account.


The 2 days hold would be just something in the background, the user wouldn't see any difference (the available amount changes instantly, push notification, ..) - just in the background the final "booking" is on hold for 2 days.


And thanks to new eu laws there are no additional fees from the online merchants when you use a credit card instead of a debit card online. So no difference there.


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I know this all sounds not so easy but it would be an other "small" revolution for the bank business.


No need to use the money of all users to give credits, no need for credit history checks, and you can just use bunq for all payments and the cards will get accepted anywhere.


Even if you think its not so important now, it will be important in the future. Especially offline payments when you have millions of customers (I hope so :D) which doesn't know the technical reason when a payment gets rejected because of this.


They will contact the support, the support will say "we do not see any payment here, it could be the terminal", the users will get this 2-3 times more and will see other people paying there with no trouble - and they will start thinking about why there fancy bunq card isn't working, but the "old banks" doesn't have any problem with it.


Offline payments is such a small thing which the "casual" user doesn't know it exists - because it just works at almost any other bank, so they take this for granted / normal.


And even with my idea it wouldn't be perfect, it would be way better than now, but I think it would be no problem to give users with active salary inputs a small offline limit even without the use of my idea here.


When a user gets 1500€/month since months at bunq the risk of getting troubles with the user because of an 50€ offline limit or 100€ offline limit is sooo small, it shouldn't be a problem.


But ok I understand bunq just doesn't want to be "like this" and doesn't want to need to contact a collection agency - so my Idea should be a working solution to do this.


Sry for this long text with my moderate english skills, I hope you still got the idea :)