Sander Well, it’s about what you define a „product“. Sometimes banks offer bank cards that are only different in design. Everything is identical, card brand, whether it’s debit or credit, the account it is allocated to. It’s not really a different „product“, it’s just a different paint job. Within Apple Pay, the design then matches the design of the physical card.
It really only comes down to if a card issuer offers different designs in the first place and if the backend allows (via something MasterCard calls account ranges) to differentiate them in the database.
Having said this, it’s less flexible than many would like it to be: similar to county codes, it can’t be changed after a card is issued. If a user would like to differentiate cards for a personal and a joint account in the wallet, she/he would have to order two different designs accordingly.
I can see that Bunq is in a difficult spot here. There’s no obvious way to iterate the card design without leaving the idea of the original design behind to some extend. But it might be worth it, to improve user experience.
Right now, there are easy workarounds for physical cards (stickers, permanent markers). But shouldn’t we assume that mobile wallets are on the rise? This will become even more relevant for users in the next years.
I don’t need all cards in five colors or something. But being able to differentiate personal/joint account at a brief glance is a compelling argument for at least two options. Even if it’s something simple like the rainbow rotated by 180 degrees.