With bunq, automatic Incasso requests, or Direct Debit requests, are always up to the user to accept or decline. After you have accepted it once, you can set future requests from that merchant to be automatically accepted up to a certain monthly limit.
This gives you more control, right here in the app, about who can withdraw money from your account, and how much. This is one of the absolute most important unique selling points for bunq, in my opinion, and what makes bunq different from other banks.