Workshop bank account requirement is stupid

[Flavio93Zena]

Yes, I'm aware directly in the FAQ it says you have to provide an IBAN address to be able to upload anything even if you don't want to be paid... But that's incredibly dumb.
I don't have a bank account and don't really plan on opening one because I keep my money on PayPal (gratz to anyone trusting banks, I don't, after all the Europe screw-ups, especially in Italy)... So basically I am unable to share anything because of it even though I don't plan on selling anything.
That's a lovely system right there, whoever thought it out should be slapped for hours at the very least since this keeps away most of the kids as well (I'm 25) who could also want to upload something nice they've done for the community and share it with others for free.

Incredibly stupid also because guess what, bank account owner must be the same as the account owner, so I can't even use my father's one because... Reasons?
2018 (nearly 2019) and Valve requires a bank account to share free files, alright.

[Satoru]

so basically 'i dont want to use a bank and that's steam's fault'

[Flavio93Zena]

That's none of steam business whether I want to use a bank account or not, it really, really, *really* isn't. And they don't need any kind of age verification or that stuff as I did use PayPal on here (with or without the connected credit card).

[aiusepsi]

Which game's Workshop are you trying to upload to?

There are (broadly speaking) two kinds of Workshop, one which other users can download stuff directly, and one which developers take content from to put into the game (a "curated Workshop").

As far as I was aware, you only need to provide bank account information for curated Workshops, and that's because there's no point putting your content up if the game's developer can't then pay you.

Also, as a side note: keeping your money in a properly regulated bank is a good idea because they have state-guaranteed deposit insurance, which means that up to the insurance limit you won't lose money even if the bank falls over. Paypal may well not be covered by such a scheme.

Also Paypal sometimes randomly freezes accounts and refuses to give your money back. E.g. https://www.reddit.com/r/Entrepreneur/comments/1rkkd7/paypal_just_froze_over_70000_in_my_account_say/

[aiusepsi]

Since the service is limited to E-money, which does not qualify as a deposit or an investment under Luxembourg law, you are not protected by the Luxembourg deposit guarantee or investment indemnity schemes administered by the Conseil de protection des déposants et des investisseurs.

https://www.paypal.com/it/webapps/mpp/ua/useragreement-full?locale.x=en_IT#r02

If PayPal falls over, you are definitely stuffed, and your money is gone.

[Flavio93Zena]

It's a workshop where you can upload replays to watch in a bike racing game, since several people asked me how tf I've done the records (got the 1st place on all tracks xD), I kinda wanted to upload the replays.

Banks-wise maybe one day they'll give my father the tens of thousands of euros they owe him, since like 10 years. PayPal ain't falling over anytime soon seeing that pretty much everything and everyone implemented it, I do keep an eye on that though.

Thanks for the answer though :)

[aiusepsi]

Are you talking about Ride 2? https://steamcommunity.com/app/477770 ? That game doesn't have a Workshop listed on the community page.

I can't comment on your father's situation, but an ordinary bank account should be protected to the tune of €100000 per person per bank. Apparently, doing a bit of research, if you'd instead bought a bond, you were deemed to be a "professional investor" and not protected from bank collapse. So perhaps that's what you are referring to.

So yes, a bank misselling a high-risk bond as being actually low-risk is really shockingly bad behaviour, but that doesn't mean that deposit accounts aren't incredibly safe, which they are, because they're backed by a government guarantee.

I think I'd be waking up in a cold sweat every night if I had my money in PayPal rather than a bank. And that's not just because I've had some really awful customer service experiences with Paypal.

[Flavio93Zena]

Originally posted by aiusepsi:

Are you talking about Ride 2? https://steamcommunity.com/app/477770 ? That game doesn't have a Workshop listed on the community page.

Clearly not :P Doesn't really matter, I can't upload to any workshop anyway :/

Originally posted by aiusepsi:

I can't comment on your father's situation, but an ordinary bank account should be protected to the tune of €100000 per person per bank. Apparently, doing a bit of research, if you'd instead bought a bond, you were deemed to be a "professional investor" and not protected from bank collapse. So perhaps that's what you are referring to.

So yes, a bank misselling a high-risk bond as being actually low-risk is really shockingly bad behaviour, but that doesn't mean that deposit accounts aren't incredibly safe, which they are, because they're backed by a government guarantee.

I'd rather keep what happened private if you don't mind :)

Originally posted by aiusepsi:

I think I'd be waking up in a cold sweat every night if I had my money in PayPal rather than a bank. And that's not just because I've had some really awful customer service experiences with Paypal.

Their support is even worse than Valve one but I'd still rather go with them than a bank.

[Kargor]

Yeah well, around here (Germany), being without a bank account is probably next to impossible.

Like your employer would have to go those extra miles just for you to pay you cash, and I'm not even sure how one would go about using cash to pay for anything that's not a regular store... like whether a random bank offers this as a service.

[Echoz]

Originally posted by aiusepsi:

I think I'd be waking up in a cold sweat every night if I had my money in PayPal rather than a bank. And that's not just because I've had some really awful customer service experiences with Paypal.

I wouldn't even consider money in my PayPal account to be money until it's out.
My last amazing experience with them involved $400 that was transferred to me with the transfer showing up but the money not showing up. The money was gone from my friend's account and not in my account. In a pathetic effort to fix it their support makes my balance -$400 without giving the money back to my friend, then they realize their screw up, and transfer $400 back to my account. My account then gets frozen for receiving more than 2,500 EUR, which it had not as the only other money that account had ever received was $5.
A lot of phone calls back and forth over the next month and they finally manage to add the $400 to my frozen account so I can refund it to my friend.
10/10.

[Washell]

The only thing worse than PayPal is hiding your money in a fireplace that gets used on a regular basis. PayPal is for paying people, it's in the name, not for storing money. I considered it a giftcard I could lose at any time and closed my account as soon as it became feasible to do so.