JohnDo Swift is not legacy stuff John, it's still very widely used. Charging money for it is also fine. But respect the "OUR" marking like every other bank does.
I too prefer SEPA, but not every sending party supports it.
JohnDo bunq should either support it or not.
But not this “half-zwanger” solution with “we don’t support it, we allow you to receive money through it, we charge you € 5 or more, but we don’t honor the payment instructions”