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bunq

Personalised payment links

bunq.me allows users to create and share a personalised URL with anyone who wants to send you money.

Company
The first tech startup with a banking license, on a mission to change the financial industry and create the best banking experience to their users.
Industry
Consumer banking
Year
2019

Context

No safe way to collect money as a group

Users didn’t have a way of safely making personalised payment links for specific events or groups of people. They would resort to sending individual payment requests from a bank account.

This was far from ideal as it ended up being added to your personal account.

A bunq Together post from Robbert, Oct 8, 2018, asking for a separate bunq.me link per IBAN, with examples of a robotics club donation page and three hockey teams
A bunq Together post from W.S. Misiedjan, Feb 16, 2019, asking for a bunq.me address for each IBAN, for example to collect donations for an open-source project

Problem and user needs

What users told us

At the time we collected feedback from users through bunq Together, an online forum for all bunq users to share their wishes and pains.

  • Personalised links aren’t always for personal use

    Users wanted to collect money from groups of people or as part of initiatives meaning they wanted to keep these transactions separate from their personal account for recollection.

  • More reach in less clicks

    Nobody likes having to send multiple payment requests only to find out they’ve already expired by the time you use them.

  • Customisation

    Some level of customisation was needed to differentiate personalised links from others.

Solution

One link, for anyone, paid any way

bunq.me allows users to create and share a personalised URL with anyone who wants to send you money. These unique URLs can be used to collect money for different purposes, a vintage sale, donations, or bake sale.

You can also prefill the amount by sending them to bunq.me/eva/50 (for €50). They can pay by bank transfer, via Apple Pay, Google Pay, iDEAL, Instant Bank Transfer, and even with their credit card!

bunq.me screens in the app and on the web: the link is online, sharing it, the link settings, and paying by card, iDEAL or Bancontact
Mobile designs in two rows. Customisation: the account with its bunq.me link, the links list, link settings, personalising the page and choosing a new link. Paying: entering an amount, choosing a payment method, card details and the payment completing

Outcomes

  • Demand

    ~268

    feature requests from power users

  • Adoption

    ~1000

    unique bunq.me links created in the first weeks

  • Money collected

    +100K

    of euros collected through this new payment method in the first 3 months

  • Unlimited links

    ∞

    users can make as many links as they need and they’ll never expire