Javy I got the answer from Support that bunq officially does not support SWIFT payments, but as a service to customers do accept them.
Therefore they charge € 5 or more.
I find this strange: either you support it or don’t support it.
The moment you start charging money for it, you support it (in my opinion).
To my question why bunq didn’t charge the € 5 to the sender in case of payments marked “OUR” I got the same reply again.