but the case is pretty clear-cut.

Agreed. I'm not denying that this is clearly stated in your T&Cs. I've just been unaware of this until now.

The bunq T&C is indeed not born out of Portuguese law

Indeed. This is not the point I was making.

not of the size of the big European banks

I'm not sure I agree with this narrative as a rationale for not allowing freelancers (that don't work through an entity) to use a personal account.

as you seem like you really want to be a customer

It's extremely inconvenient to now have to find an alternative solution - which I'd rather not have to do.

That doesn't mean that anything is wrong with your business

Of course there isn't - I know there is nothing wrong with what I'm doing.

I understand what you are saying, and of course you need to represent bunq from your perspective. My message mainly came out frustration around being instructed to apply for a business account, due to evidently violating T&Cs. I then tried to do the "right thing", only to have my application for a business account rejected.

From everything you have said, I'm still not really seeing the rationale for not allowing a freelancer to be paid into a personal account once per month. Looking at an earlier post on this thread, it looks like you actually used to allow this with a "premium" personal account, but now no longer do. So this is actually something you have supported in the past with personal banking, albeit at a higher fee.

I generally like the bunq platform. It has some great features I've not seen from other neobanks. I'm just disappointed with the fact that freelancers in my situation are not, in my view, being fairly represented by your T&Cs. I feel like this is more about the higher monthly fee that business accounts incur than anything else.

What I find frustrating about this is that not everyone who is eligible to open a personal account is eligible to open a "business" account as a freelancer. I live in Portugal, and have a bunq personal account. I also happen to be a freelancer with my activity opened with the tax authority - and I am paid once a month. There are no "business" transactions going on, other than simply receiving an income once a month. Apparently I am in violation of the bunq T&Cs by doing this, and have been warned that I need to open a business account. However, I apparently do not meet the requirements to open a bunq business account. I have tried, but my application was rejected. So I'm left with no choice really, but to find another bank. I'm afraid that the "one size fits all" blanket T&Cs that bunq have put together here don't really work in the real world. It's not a legal requirement in Portugal for freelancers to have a business account. At one point, I was advised that I needed to "register a company" so I can open a business account. I think I'm more comfortable to take advice from my accountant on this topic - and in my situation, registering a company makes zero sense, and nor does opening a business account. I am totally following the law in Portugal with everything I am doing. I think it's absurd for someone in this kind of situation be told they are in violation of T&Cs and to be instructed to open a business account - only to not meet the criteria for said account, and be offered no viable alternative. I don't have employees, I don't have an online business where I'm receiving frequent payments. I just have a single transaction per month for my income. Totally ridiculous.