Joseph-Magenta-Kiwi Bunq does not make its money by charging high fees for loans, in fact; they do not do credit.
Actually, they don’t make money on your deposit either as the place where they deposit your money (European Central Bank) charges a interest rate of minus 0,05 percent, so bunq actually has to pay fees to keep your deposit.
Welcome to the economy!
Bunq has another approach to banking as is described well in Breaking with the banks (Breken met de banken), a boom that was published in 2017 which discusses the first years of bunq.
Spending time on Wikipedia is always a good advice, but be sure to read those articles that reflect a specific case, before arguing that case and not the common and generic articles.
Happy Friday, and keep your head and feet cold on this ☀️ day!