John Do as we do actually take it from the account while it's reserved and then put it back when it's released
And yet they do show it as part of „total balance“ on customer’s account statements:
„If you download a bank statement during your use of the Travel Card, we will show you your total balance and your actual available balance. The total balance is your balance that does not include the deducted Travel Card payments of that month and your actual available balance is your balance where we have already deducted your Travel Card payments“
https://www.bunq.com/assets/media/legal/en/20190522_terms_bunq_personal_EN.pdf
So if you‘d ask me, it’s not really „taken out“ of the account. They are just showing me an „available balance“ in-app that differs from my real balance. And deduct from that available balance. Which a lot of banks do.
However, every other bank or broker I know charges interest based on the dates that payments actually settle. My broker pays me interest based on that (if I make a trade today today to buy stock, I still get interest on the corresponding amount tomorrow - because the payment will only be settled (transferred) the day after to orriw). Vice versa, if I sell stock and transfer all of money out of my account from the „available“ balance immediately, I will get charged interest for two days - as the funds haven’t cleared.