Hey bunqers 🌈,
Get instant access to spending category breakdowns and monthly spending comparisons with your Money Insights. From here, you can easily set up smart automations that help you save.
How do I access my Money Insights?
To get a clear overview of the Money Insights features available to you, simply:
Open your bunq app
Go to your Home Tab
Tap on your Net Wealth
Select Insights at the top of the screen ✨
Read on to find out about which features are available to you from your Insights screen.
Total Spent Widgets
You can check out how much you spent in the top three widgets displayed on your screen.
Spending Insights
Ever wonder where your money goes each month? We made it super easy to find out. Spending Insights gives you a crystal-clear overview of your expenses, so you can budget smarter, save more, and feel total control over your finances.
Our Money Insight tools are designed to make managing your money effortless.
Compare months instantly: A simple bar chart helps you see how this month’s spending compares to previous ones. With this information, you can set smart spending limits, making this a powerful tool for managing your finances. You can create spending limits for any category, like "Groceries" or "Shopping" straight from the Settings of the bar chart. We'll send you a heads-up when you've hit 80%, 95%, or 100% of your budget, so you can stay on track without thinking about it.
Create dedicated spending accounts: From your category bar chart, you can create dedicated Bank Accounts for specific spending categories and budget from them automatically. You can budget for yourself or together with your partner by adding your Joint Budgeting Bank Account to the overview. See how you can do so, here 📊
Know where your money goes: A clear pie chart breaks down your monthly spending by category. You’ll see exactly where your money is going, empowering you to make smarter financial decisions.
A heads-up: If you have one or more Joint (Savings) Accounts at bunq, any category settings you change or Budgets you create will only apply to your own Personal account. Further information about Spending Insights can be found here.
Can I add External Bank Accounts to my Money Insights?
Yes! To provide you with a complete overview of your finances, you can add external Bank Accounts to your Spending Insights. Your bart chart will now reflect all your spending, both within and outside bunq. The steps on how to filter the Bank Accounts in your Spending Insights can be found here.
Adding external Bank Accounts is currently available for our Dutch, German and French users. We’ll keep you updated as we’re adding more countries! More details on the Dutch, German and French banks available for the matter can be found here.
How can I set up Spending Limits and Filter Bank Accounts?
From the Money Insights screen you’re able to see the total expenses you’ve spent this month, set a starting date, set spending limits, and filter Bank Accounts.
Set starting date
Go to the Insights screen
Select either the Total Spent graph or the Pie Chart
Tap the three dots in the top right corner
Tap on Starting date
Choose the date you want your monthly spending breakdown to start from.
Set spending limit
Go to the Insights screen
Select the Total Spent graph on top
Tap the three dots in the top right corner
Tap on Set spending limit
Set your desired limit
Filter Bank Accounts
Go to the Insights screen
Select the Total Spent graph or the Pie Chart
Tap the three dots in the top right corner
Tap on Filter Bank Accounts
Select the Bank Accounts you want to see the total expenses of
AutoVAT
AutoVAT automatically calculates and sets aside VAT on all your incoming and outgoing payments, saving you valuable time: whenever it’s time to pay taxes, you’ll already have a dedicated Bank Account with the right amount on it 🧮
To set the AutoVAT of your Business account, follow the steps mentioned here.
Rearrange your Money Insights Screen
You can easily rearrange the widgets in your Money Insights screen. Just follow these steps:
Long-press on a widget
Move the widget up or down