johannes Please don't mix up EMV (chip) payments with magstripe payments. The issuer scripts can only update the EMV Application on the chip, the UCOL/LCOL CA/CB data sets to be specific, but they cannot remotely change the magstripe even if they wanted to. So the service code embedded in the magstripe always stays the same over the lifetime of a card, and in bunq's case tells the terminal to always contact the issuer online, regardless of the amount. So magstripe offline payments WILL fail in most cases. EMV payments can work at real offline terminals up to a certain amount, the velocity checking of the bunq cards does allow for that, but it also depends on the floor limit of the merchant and other more random things if the payment will go through.