Sorry but it's funny, locking account and message the customer with 👍I think generally speaking most of the neobank are not so friendly when you have transactions related with anything from cryptos.
By the way, did you tried N26?
Topic: [LIST] Free EU bank accounts that you can be opened directly online - page 17. (Read 64535 times)
July 22, 2018, 03:21:00 PM
Notice the 👍 they added in the message? Sorry but it's funny, locking account and message the customer with 👍
I think generally speaking most of the neobank are not so friendly when you have transactions related with anything from cryptos.
By the way, did you tried N26?
Sorry but it's funny, locking account and message the customer with 👍I think generally speaking most of the neobank are not so friendly when you have transactions related with anything from cryptos.
By the way, did you tried N26?
July 22, 2018, 02:51:50 PM
bunq locked my account again.
Code:
Hi Vanquish_PT,
We regularly review our users activity as required by law. We detected an unusual pattern in the transactions of your personal account(s).
We opened an internal investigation and have concluded to temporarily freeze your accounts as a precaution.
Your assets in these accounts will be frozen until the end of this investigation.
We aim to be fast possible and will keep you informed if our investigation goes beyond 5 working days.
Thank you for understanding,
- the bunq compliance team
We regularly review our users activity as required by law. We detected an unusual pattern in the transactions of your personal account(s).
We opened an internal investigation and have concluded to temporarily freeze your accounts as a precaution.
Your assets in these accounts will be frozen until the end of this investigation.
We aim to be fast possible and will keep you informed if our investigation goes beyond 5 working days.
Thank you for understanding,
- the bunq compliance team
After they unlocked it I loaded about €1500 from other of my own accounts, received €300 from other person and made 10 payments.
This is all localbitcoins activity but I don't think they have a way to tell and after all they were supposed to be crypto-friendly. Before I started using this account I specifically asked if this would be ok or if I need a company account and they said this:
Code:
Alright, so a business account is really only necessary if you want to start trading bitcoins as a business/as your work.
If you just do some bitcoin trading for yourself, this is not necessary
If you just do some bitcoin trading for yourself, this is not necessary
It seems 10 outgoing transfers in one week can't be considered as personal use.
In fact outgoing transfers are definitely a problem for them.
When they blocked me for the first time they asked this:
Code:
and we see lots of outgoing payments to different IBANs all over Europe. Could you tell us some more about that?
So you can't do payments with a bank account?
I wonder what these people consider a normal behaviour for a bank user.
Or maybe I'm so burned in the banking sector that I'll never be able to have a normal bank account again.
bunq locked for good now
Quote
"We regularly review our users activity and during our last check, we identified that the use you make of your bunq account is not what we normally expect and is therefore not in line with our risk profile for user.
For this reason and in line with our Terms and Conditions, article 36, we have to close your bunq account.
Please can you provide an IBAN where we can send you the funds in your accounts?"
I hope this is clearer now and we would need from you a refund IBAN so that we can transfer the remaining funds right away.
Let us know as to proceed. 👍
For this reason and in line with our Terms and Conditions, article 36, we have to close your bunq account.
Please can you provide an IBAN where we can send you the funds in your accounts?"
I hope this is clearer now and we would need from you a refund IBAN so that we can transfer the remaining funds right away.
Let us know as to proceed. 👍
Crypto friendly my ass!
The only surviving accounts are the ones I never used for localbitcoins trading.
Very disappointing...
July 17, 2018, 11:27:15 AM
I found this information: https://thebanks.eu/articles/countries-which-will-not-automatically-exchange-account-information
This list badly needs an update...
This is the biggest problem: tax regulations are changing all the time. Most often for the worse, so you have to change too.
July 16, 2018, 10:54:11 AM
The Swiss banks are the best if you don't mind AEOI.
AEOI is only between OECD members or they also share with other countries?
What offshore jurisdictions do swiss banks accept?
A country doesn't need to be an OECB member to participate in the AEOI program. There are maybe 20-30 countries in OECB but AEOI has thousands. Also a country doesn't need to sign the AEOI agreement to exchange information with other countries. They can always use other means: on request or spontaneously.
I don't think all countries have interest in sharing information.
I found this information: https://thebanks.eu/articles/countries-which-will-not-automatically-exchange-account-information
Automatically no, but upon request, (manually) they will unless the country is not in good relationship with the country. Don't forget that the AEOI program is born because of the United States and their Foreign Account Tax Compliance Act. Without this, It would probably never existed. And the US will surely use the pressure until more countries agree to sign the agreement. But for the sake of the diplomatic relationships, every country will share the information if it is asked.
July 14, 2018, 06:34:10 PM
The Swiss banks are the best if you don't mind AEOI.
AEOI is only between OECD members or they also share with other countries?
What offshore jurisdictions do swiss banks accept?
A country doesn't need to be an OECB member to participate in the AEOI program. There are maybe 20-30 countries in OECB but AEOI has thousands. Also a country doesn't need to sign the AEOI agreement to exchange information with other countries. They can always use other means: on request or spontaneously.
I don't think all countries have interest in sharing information.
I found this information: https://thebanks.eu/articles/countries-which-will-not-automatically-exchange-account-information
July 14, 2018, 01:36:34 PM
There are still some countries, but the majority is located in African countries and people usually don't want to get banked there, for geopolitical reasons. Other than that Taiwan and Singapore are still good but the problem is, it can change at any time. You can wake up tomorrow and see that the country signed the AEOI agreement and your country has everything now
July 14, 2018, 12:45:47 PM
The Swiss banks are the best if you don't mind AEOI.
AEOI is only between OECD members or they also share with other countries?
What offshore jurisdictions do swiss banks accept?
A country doesn't need to be an OECB member to participate in the AEOI program. There are maybe 20-30 countries in OECB but AEOI has thousands. Also a country doesn't need to sign the AEOI agreement to exchange information with other countries. They can always use other means: on request or spontaneously.
July 14, 2018, 12:15:33 PM
The Swiss banks are the best if you don't mind AEOI.
AEOI is only between OECD members or they also share with other countries?
What offshore jurisdictions do swiss banks accept?
A country doesn't need to be an OECB member to participate in the AEOI program. There are maybe 20-30 countries in OECB but AEOI has thousands. Also a country doesn't need to sign the AEOI agreement to exchange information with other countries. They can always use other means: on request or spontaneously.
July 13, 2018, 05:29:16 PM
The Swiss banks are the best if you don't mind AEOI.
AEOI is only between OECD members or they also share with other countries?
What offshore jurisdictions do swiss banks accept?
July 13, 2018, 05:24:50 PM
It seems 10 outgoing transfers in one week can't be considered as personal use.
Hi Vanquish,
can you tell us how much in total was the volume of those 10 transfers?
Less than 10k EUR.
The problem with my accounts might be that I always keep a balance close to zero.
Whenever I receive money from sales I immediately buy again. So I'm always receiving money from different people and then send all the money to others.
July 06, 2018, 09:42:19 AM
Really? What are they using there so, SWIFT? I know Montenegro has adopted the euro unilaterally without the European Union or the Euro Zone agreement or something like that. The country can't even print money, there is no euro sealed Montenegro
I didn't even bother to ask. Bank transfers are expensive in Montenegro, and the banks' websites are not user-friendly. You need another country if you make a lot of transfers. The Swiss banks are the best if you don't mind AEOI.
July 06, 2018, 04:59:45 AM
July 05, 2018, 03:05:10 PM
Really? What are they using there so, SWIFT? I know Montenegro has adopted the euro unilaterally without the European Union or the Euro Zone agreement or something like that. The country can't even print money, there is no euro sealed Montenegro
July 05, 2018, 12:49:52 PM
This amazing don't know this services is available. Hope it covers all countries especially Africans countries.
I think most of them don't include African countries yet. Hopefully soon Africa gets more included.
That won't happen. Most of these EMI services use SEPA transfers which only work in the European Union. I'm banking in Montenegro, whose currency is the Euro, and I can't make SEPA transfers!
July 05, 2018, 06:03:16 AM
Monese is now blocking accounts...
FYI
FYI
Unfortunately I can confirm this.
And as if it wasn't enough I have more bad news. My Fidor account is also suspended
I'm also quite sure that Revolut and Transferwise are exchanging information.
Some weeks ago I opened a transferwise account and verified my ID. The next day the account was blocked without any explanation. I never had a chance to even use the account. As I've been blocked in many banks there was no simple way to tell where they got their info about me.
But last week I opened a transferwise account in my wife's name. She verified the ID and asked a card and all seemed fine. The day the card arrived to us the account blocked. Well, my wife was only blocked by Revolut before, so I'm pretty sure that Revolut was the source of this information because I don't think they know we are married.
Good day Mr XXXXXXXX,
Thank you for your message, Which we will gladly answer for you.
You of understood correctly. Your account will be terminated on xx/xx/2018.
Ordinary termination is possible at any time, subject to a reasonable time limit, without prior warning and reasons. Further More, the right to give notice Arises from the principle of the bank's private autonomy. The Federal Court of Justice (case no. XI ZR 22/12) therefore ruled that way.
best regards
Your Fidor Bank
June 21, 2018, 04:43:26 PM
Most of them are not now (atleast for me)
Where can I find updated list ?
Where can I find updated list ?
June 21, 2018, 09:12:25 AM
People can just transfer their bitcoin from the exchange to ViaBuy and then to send from Viabuy to their bank account or via the Mastercard.
Ah, I see. The fee for that is 0.75% for anyone interested. June 20, 2018, 01:57:27 PM
Veritascard FAQ:
And ViaBuy gives you a dedicated IBAN, but not in your name, so you can't use it for exchanges.
Quote
Can I load my Veritas with Bitcoin, Dogecoin, Monero, Blackcoin, litecoin or another crypto currency?
No because Veritas is not a trading platform for Bitcoin. But you can first sell your Bitcoins on an exchange platform for euros. Then, just order a bank transfer from your exchange platform to your Veritas using your dedicated IBAN.
No because Veritas is not a trading platform for Bitcoin. But you can first sell your Bitcoins on an exchange platform for euros. Then, just order a bank transfer from your exchange platform to your Veritas using your dedicated IBAN.
And ViaBuy gives you a dedicated IBAN, but not in your name, so you can't use it for exchanges.
Not to fund your account balance in the exchange. But my point was for those interested in transfer out. People can just transfer their bitcoin from the exchange to ViaBuy and then to send from Viabuy to their bank account or via the Mastercard. No need to give the IBAN to the exchange platform.
As for Veritas, so people can transfer from an exchange to their Veritas account
June 20, 2018, 05:14:46 AM
This amazing don't know this services is available. Hope it covers all countries especially Africans countries.
June 19, 2018, 05:16:20 PM
I wonder what these people consider a normal behaviour for a bank user.
Or maybe I'm so burned in the banking sector that I'll never be able to have a normal bank account again.
Welcome to the real world! More than one transfer a month is abnormal behavior for an individual. You need a real bank account if you expect more. The best banks are in Switzerland, and you need to go there to open an account. You'll get free unlimited transfers, but there will be a monthly fee if your balance is below 50,000 Swiss Francs.
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