I read some comments of bunq where you said card payments in foreign currencies are more expensive for you so you need the FX fee even with premium.
But as far as I know you get 0,2% for payments in the EU but outside of the eu you get much more because the EU law doesn't apply there. So even if payments in foreign currencies are more expensive for you I don't think its so expensive that even in the premium package you need to take 1,5%, because you also get more for each payment, but I am not a bank of course.
And I am not talking about ATM transactions, I am only talking about card payments.
I know you do not invest the money of your users and that's great! But with no way of getting 0% FX fees you still force people which are traveling very very often to use an additional card at a bank which invests the money of the users..
My wish here: Remove the FX fees in the premium package for card payments (its ok to have them for ATM payments) or add an additional package like "Premium+" or add an "add on" which you can add to your current premium membership (if you are traveling for 2 months you can just use the add on for two months and cancel it after it).
1,5% is ok for 2-3 payments in foreign transactions but when you are doing 30-50+ payments because you travel much more often? There should be a better way :)