Stephane-Azure-Kiwi I agree with you.
There is surely a way to leave a little flexibility to the customer.
Here, the interest would not be an overdraft usable for this or that purchase, but an emergency mattress usable only in specific situations (ex. More than 4 months of seniority at Bunq , in case of insufficient balance for the toll or petrol ...).
Ditto for a deposit. If I rent a car for 150 €, does everyone have 900 or 1000 € deposit on their account?
No, in 70% of cases, and this is normal.
In this example Bunq could authorize the transaction by Bunq guarantor for the deposit.
It would therefore not be a discovery as we know it in France, but a flexibility.