Similar issues here. I didn’t have a private account and now I’m sort of forced by V3 to get one otherwise I run into the same nag screen every time. So I tried to open a personal account but this didn’t work. I was positive about bunq but with V3 they are losing me. Typical marketing push introduction. Not user centric and forgetting what a bank app should do: make banking simpler. Now side features are overshadowing the banking features. I was happy with the former version and now big bunq brother decides that I need to change and consume something that I didn’t order. What a shame!