Oooof, something like PayPal I think is an insult haha. /me dislikes PayPal
I have some concerns about Bunq, but not being simple isn’t one of them. In fact, I’m missing a lot of options I’d like to see haha. What are the settings you are confused about/you think are overcomplicated? Maybe we can help? :)
The bank transfers for me are as fast or faster than other banks. But that’s in the Netherlands, I don’t know where you are nor what the regular speed is in other countries. At most, it takes one business day. With some banks, it takes only a few seconds.