Hey bunqers 🌈,
Shared Access lets anyone on a Personal bunq Core, Pro, or Elite plan share access to their Bank Account(s) with someone else, without making them account owners. Once the invitee accepts the invitation, they’ll be able to view transactions, make payments, add money to the account, and even connect their own card to it.
💡 Shared Access is designed for your Personal Accounts only, making it easy to manage money with a partner or friends. If you'd like to share access to your Business Account, use Access Levels to easily share the right access levels with your team.
How does Shared Access work?
To grant Shared Access to your regular Bank Account, you can:
Go to the 🏠 Home Tab
Select your Bank Account
Tap on Shared Access
Choose your buddy 🤝
Tap on Invite
All done
To grant Shared Access to your Savings Bank Account, you can:
Go to your Savings Tab
Select your Savings Bank Account
Go to your account Settings in the top right corner
Tap on Shared Access
Choose your buddy 🤝
Tap on Invite
Access granted
Important note: To make shared finances clearer and more transparent, anyone you invite (or have invited) to share a Bank Account will see the complete transaction history of that account since the day it was created 🙌
What is the difference between a Joint account and Shared Access?
A Joint account is owned by multiple people, meaning the account is legally in all their names. With Shared Access, you stay the account owner while giving someone access to manage your account. They can use it, but they don’t legally own it.
How can I remove Shared Access?
To revoke Shared Access to your regular Bank Account simply:
Go to your Home Tab
Select your Bank Account
Tap on Shared Access
Select the person you’d like to remove from your Shared Access Account
Tap on Revoke Access
Done!
To revoke Shared Access to your Savings Bank Account, you can:
Go to your Savings Tab
Select your Savings Bank Account
Go to your account Settings in the top right corner
Tap on Shared Access
Select the person you’d like to remove from your Shared Access Account
Tap on Revoke Access
Done!
Good to know
bunq Free users can accept Shared Access invitations but can’t grant access to their own Bank Accounts.
Invitees must accept a Shared Access request before they can start using the account.
Invitees can link their personal card to the Shared Access account.
The account owner is responsible for the entire balance of the Shared Access account when it comes to tax authorities.
If a card is linked to a Shared Access account, transaction and withdrawal fees are charged to the account owner, not the cardholder.
You can’t share access between a Personal and a Business Account. Only Personal to Personal account sharing is allowed.
If the invitee isn’t verified, they may experience issues in the app. It’s best for them to get their account verified first.
iDEAL payments aren’t available for Shared Access users, as they require approval from the account owner.
Invitees can’t schedule payments from a Shared Access account.
Shared Access accounts count toward your Bank Accounts limit, based on your plan.