I do like all the features of a premium account. Well I do not need that many accounts and perhaps no cards. The API is really nice since I use it in the Rabobank environment.
Please add a lite version of the premium account where you can only pay with Android pay or Apple pay. Limited amount of accounts, like 2-5. And perhaps 1 API key.
Because it is all digital you just use the technology which is already in your hands. It will be cheaper for both the customer and bunq. Which leads to a more competitive service wise and feature wise.
Even more when getting strategic alliances with Gulden and Transferwise integration. So it is easy to convert Euro to crypto. And Transferwise to transfer money to overseas cheapely.