That's a looot of manual tasks for a bank that praises itself over its open API... 👀
Why not simply creating a "challenges.bunq.com/1378" web app, using your own API, that will do that automatically for users? You signup, give consent, and the web app does the rest (creating the bank account, doing the automatic transfers, sending email reports every few weeks etc). And because the owner of the app is bunq, I suppose users would not need to renew their consent every 90 days. Win win everyone.