I would like to see a paid subscription for Kids between 12-18 years old for I think the actual Premium is not suitable for this age group, but for the future of Bunq I think that this group is most valuable for the future and sustainability of Bunq.
You can leave the app as it is, but with a few restrictions like
1. One of the parents is already a Premium member
2. Maximum of 5 IBAN’s
3. Maestro in the Netherlands (and maybe MasterCard in other countries)
4. If needed a MasterCard for an extra fee but by choice
5. At the first moth after their 18th birthday subscription is upgraded to Premium automatically.
6. Extra subscription option, premium parent can pay for this if he/she likes to.
With this simple setup you can make a lot of youngsters (and their parents) very happy.
Simple things keep people on board and give good recommendations better than a commercial ever can!