Marcin Everybody in the EEA can and may open an account at bunq, but that doesn’t meant that bunq is officially launched/operational in all those countries.
And in order to provide Apple Pay, bunq has to be officially be launched/active in those countries.
At the moment bunq is officially activate in the Netherlands, Germany, Italy and Spain (and I might missed one or two 😅)
That’s also why Apple Pay for bunq users is only available in Italy and Spain (and soon Germany), although Apple Pay is active in France that doesn’t mean that French bunq users have access to Apple Pay.