mdekker I think it is a bunq that bunq itself can charge extra costs because transfers between your own bank account and do not fall under these rules. You also have extra costs if you deposit money into your own account with "Top Up" and a credit card.
But a bunq.me link is not just for your own use. It is precisely for making payment requests to others. And apart from, for example, donations without further consideration, this is of course almost always a payment for a product, services, settlements of meals, gifts, holidays that you have advanced and you name it.
In all those cases, bunq not charge extra costs.