Sometimes you have a bill payment that is recurring, but for which you can't (or don't want to) set up a SEPA mandate, and for which the amount or payment schedule is not fixed (preventing the use of scheduled payments).
Invariably, these are paid by sending money to a particular IBAN with your account number or other unique ID in the description field.
bunq should have something similar to favourite contacts, but with the description field already filled in. That way, after searching for the appropriate payee, all I have to do is specify the amount.