Regarding idea no. 2: bunq's implementation of "cashback" is, as I see it, the CO2 compensation scheme aka planting trees with card payments. You don't get the money in your account, but it is used to finance the donations to bunq's tree planting partner. On top of that we also have bunq Deals for cashback/rebate with certain partners. As bunq is a start-up focused more on organic growth without VC money behind it that can tell them what to do, I personally would not expect them to offer cashback quite like certain other competitors are currently doing it.