Hello, major issues for me too. I'm a personal stylist and return items regularly to stores. I'm fairly new to Bunq and was denied in store returns all day yesterday. I was told by Bunq customer support that I must contact stores directly and provide my IBAN so they can do the refund that way. This to me is ridiculous, if I pay in store I expect a refund in store through chip and pin like all other banks! This is going to take me hours to sort, often customer support from high street stores take days to respond to a call or email. Really really disappointing...Bunq you should have made this clear to customers