I submitted a formal complaint to bunq. They replied.
Unfortunately, instead of giving me an actual reason-they gave me a list.
And no, I’m not joking. This is a real quote from their response:
“For clarity, here are some examples of situations that may lead to immediate account closure (this list is not conclusive):”
– Non-compliance with our terms and conditions
– Legal obligations requiring immediate action
– Changes to your risk profile
– Suspected fraudulent or illegal activities
– Providing false or outdated information
Sounds familiar?
Yes-it’s Bingo.
But in this version, every box is a vague excuse, and you’re not allowed to know the actual reason.
Imagine going to a doctor and asking:
“What’s wrong with me, doctor?”
And he replies:
– Could be cancer.
– Could be allergies.
– Maybe a broken leg.
– Maybe you’re faking.
– Or… something else.
And then adds:
“This list is not exhaustive.”
🧠 What Does This Mean?
bunq didn’t give me an explanation.
Instead, they:
listed five generic accusations
clarified that those are just “examples”
and left me guessing-like I’m in a bad procedural drama
This isn’t transparency.
This is theater of compliance.
And all of this…
After they blocked my account without warning.
⚠️ The Technical Part
Some of the “possible reasons” they offered include:
a change in your risk profile (translation: we just don’t like you anymore),
suspected illegal activity (not confirmed, just… suspected),
outdated information (which they had approved months ago).
Translation:
You don’t have to violate anything. It’s enough that they imagine you might.
🧩 In Conclusion
bunq didn’t just close my account.
They deployed a script-one designed to eliminate unwanted users.
And when you ask “why?”, they say:
Here’s a random list. Pick one.
And don’t forget: The list is not conclusive.
