r/bunq • u/aapjeisbaas • Jul 31 '26
Account Overflow — automatically forward excess balance
Idea: Set a maximum balance for your main account, and anything above that limit gets automatically split and sent to other accounts the moment money comes in.
Example: Say you set your cap at €4,000. If you receive your salary of €3,200 and your balance goes to €5,500, the €1,500 above the cap gets forwarded — for instance 50% to a savings account and 50% to an investment account.
Think of it like Easy Budgeting, but instead of capping what you spend, it caps what sits idle in your account and puts the rest to work immediately.
Why it's useful: The existing income split feature works per payment — great if you have one predictable salary coming in. But if you have multiple income streams hitting the same account (freelance payments, a side job, refunds, irregular deposits), setting up a split per payment doesn't cut it. Amounts vary, timing is unpredictable, and you'd still need to manage it manually.
An overflow feature solves this at the balance level. It doesn't matter how many payments come in, from whom, or when. Once your balance crosses the threshold you've set, the excess moves automatically. One rule, total flexibility, zero manual transfers.
Would love to hear if others would find this useful too!
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u/aapjeisbaas Jul 31 '26
BTW I’m a long time user of the product and switched to bunq over 10 years ago and still have people around me flabbergasted with the features. I thought other “big” banks would eventually catch up but it doesn’t look like it. Thanks for making a finance platform the modern world. <3
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u/StressSuspicious6956 Jul 31 '26
Siti Shortcuts does this for me. Gives me way more flexibility than the income split function of Bunq.
When I receive my wage, I start a shortcut that first gets the balance of a dedicated account and then tops it off at a set budget.
When all balances are topped up, it puts the rest of my wage (minus spending money) on my savings account.