Christian-Olive-Butterfly Well this was talked about a lot already.
First: the 0.2% figure. You probably got that from EU laws for interchange fees of debit cards. The Netherlands has additional restrictions for debit cards, which limits them to 2 cents per payment regardless of the amount. Now, not all of bunq's cards are debit cards, so they do make more on some payments. What the ratio here is exactly, we would have to speculate. Also, as ATM usage also counts for trees, which is a comparatively huge net loss for bunq, it gets even harder to come up with exact figures here. For the sake of the discussion let's go with 15 cents profit for bunq per 100 Euros spent anyway (I personally think they probably make less here, but that's hard to undermine).
Ok now we have two possible scenarios: 1) People spending money with their bunq cards and bunq pocketing the interchange without doing anything, or 2) people spending money with their bunq cards and bunq donating some amount of the interchange to Eden Reforestation Project. I mean, of course there are always expections to the rule, but no one will spend more money on purpose with their cards just so that bunq donates more trees. I don't quite understand why you think that when spending south of 6k per month there'll be some actual benefit... I don't see any benefit over donating money yourself, regardless of your monthly spend. But I also don't see why that's such a bad thing. Donating yourself will always be the superior option, I don't think bunq is denying that.
I think the point can be made that people shouldn't feel like they're doing "enough" for the environment just because they got a SuperGreen subscription at bunq. And I would agree that bunq should focus their marketing more on cold hard facts, and not advertise a certain date after which you "become CO2 free". There are just too many variables at play to be able to make that statement, and it feels like some back-of-the-envelope math how it is presented right now. But in the end, bunq already donated enough money to plant half a million trees. In the grand scheme that's probably less impactful than they would like you to think, but it's also half a million more than all the other banks I have an account at.
Would like to hear everyone's opinions on that. Maybe / Probably I'm overseeing something.