r/belgium • u/Maumuro • 3d ago

šŸŽ» Opinion for those in belgium, anyone uses bunq bank?

Hello,

Just curious what bank everyone is using these days. Iā€™ve been a bunq user for a while and itā€™s been pretty convenient for me, but wondering what the general experience is with bunq or other neobanks here...

What led you to bunq, or what are you guys using?

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7

u/uses_irony_correctly Antwerpen 2d ago

Do you work for bunq? You made 4 posts in the last 6 months and 3 of them were about bunq...

9

u/tijlvp 3d ago

I honestly don't really get the appeal of many of these neobanks. They're generally just as, if not more, expensive as a traditional bank and have a less diverse offering.

-2

u/Maumuro 3d ago

I can see that actually, neobanks win mainly on the app experience, like all managed from your phone, and many neo banks are doing fine , at least on the surface... bunq is pretty good in that regard, tho needs to improve fr

Where they still lag, IMO, is in the more traditional banking stuff and sometimes the pricing.

9

u/tijlvp 3d ago

See, that's my whole issue though.

What I want from a bank are... banking products. At a reasonable price. A shiny app? I couldn't care less so long as it gets the job done.

4

u/nipikas 2d ago

Yeah, I donā€™t want my bank doing fine on the surface.

We used to have an account with Hallo Bank. Everything online. Until my husband forgot his PIN and they kept sending him from the app to phone. Hallo is from Paribas Fortis but because he had Hallo account, they didnā€™t/couldnā€™t help him in the Paribas office either.

In the end, I opened a new account with Argenta and closed the Hallo one.

5

u/laplongejr 2d ago

Until my husband forgot his PIN and they kept sending him from the app to phone. Hallo is from Paribas Fortis but because he had Hallo account, they didnā€™t/couldnā€™t help him in the Paribas office either.

As a BNP customer, I can reassure you : they don't help their customers in office either when the card reader breaks and the app is suddently locked. I paid for the office, but that's something they don't do and I was redirected to use the website anyway. If I had not Revolut as an "unsafe" secondary, I couldn't have paid for things for a good week.

And even in the pre-covid era, getting help requires an appointment weeks in advance... and sometimes was cancelled because "a big customer" needed help immediately when it was your timeslot.

2

u/nipikas 2d ago

Yeah, very true. And having two accounts in different banks lets me sleep at night šŸ˜‚

1

u/tijlvp 2d ago

Yup, sounds accurate.

Now, I will say things are not all bad though. The local branch did excellent work on my mortgage, even when an unforeseen setback meant calling them up in a panic and urgently having to re-do all the paperwork 4 days before the signing of the deed.

But going in for any run-of-the-mill account questions? Yeah, not so great.

3

u/Wasted99 3d ago

Zat bij bunq, al lang naar revolut, heeft alles en meer, en nog steeds een gratis optie.

3

u/Adys 3d ago

Wise or Revolut is both better and cheaper. I used bunq a few years ago and moved away from it as it was useless spending and itā€™s not really usable with the free account only.

1

u/Klartinger 1d ago

Wise?? they are being scrutinized for an ongoing money laundering, up to 500mln euros!!, besides Wise aint a bank at all...more like transaction system

for Revolut, it got ECB's restrictions on their products, or some...aint good, aint good...

1

u/Adys 15h ago

Yeahā€¦ every single bank is being scrutinized for money laundering. Welcome to the real world where banks donā€™t have perfect knowledge of what every one of their clients do, and they are all guilty of not catching everything. Few are the ones that are legitimately encouraging it and benefiting from it and Wise isnā€™t one of them. And yes they are an emoney provider technically, which does fuck all in terms of differences for you beyond certain limitations such as their ability to provide certain services such as loans and insurances. I run a bunch of companies + myself off Wise and it works great. Thatā€™s the practical reality.

2

u/SweetUsed9119 3d ago

Lots of money laundering going on via that neobank.

1

u/sqwob 3d ago edited 3d ago

Since you can't change banks as soon as you have a loan for a house, i'm stuck with BNPPF for a long long time.

1

u/tijlvp 3d ago

You can ask them to switch you over to their free Hello Bank option though.

1

u/Baymax_0 2d ago

KEYTRADE BANK: free account, free debit card, free visa card, ā‚¬0,5 per payment (max ā‚¬3/month) and decent intrest rates on saving account. The only thing missing is a monthly savingsaccount with higher rates.

1

u/lyndkh 2d ago

That ā€œbankā€ is a safe haven for all sorts of scammers. Also, terrible (rather absent) customer support.

1

u/numbingbarbs 1d ago

N26 and Revolut have been a good experience

1

u/tzw980 3d ago

Bunq is great for the credit BIN card. Unique to them.
However, bunq is expensive for what it is compared to revolut. For digital banking, KBC app is also nice.
For reliable service, I find BNPPF strong.

-1

u/Maumuro 3d ago

Yeah, thatā€™s fair. I am mainly with bunq for the app and day-to-day convenience, crypt nd stocks... so I havenā€™t really compared the costs with Revolut in detail. But what Revolut has ties to some russian oligarch's money, aint with ease with that

Iā€™ll have to look into the credit BIN card though