I have some issues with the permission levels of Bunq. I have a business with 10 staff, of which 2 need to be able to make payments for the business. This is to buy inventory and pay bills. I have given them full connect access on the specific payment account.
The only problem is that my staff cannot do any international payments, and also no creditcard payments.
Let's start with creditcard. They cannot do any creditcard payments when buying something online, because a verification screen of mastercard appears with a QR code. This QR code can only be scanned by me (the entire account owner), and not my staff. They do have the ability to scan iDeal payment QR codes, just not creditcard QR codes.
Also they are not allowed to do any other currency payments other then Euro. Only me as the account owner can do that.
I know I can add them as a director. But as the word director says, this is for owners/shareholders. I cannot imagine myself giving full access on everything, every account, to my staff. It's too risky.
I wish Bunq would have more granular permissions, or that the full connect account was truly full (doing online creditcard payments).