@Slummi#145520 maybe you've heard the news that major banks(in NL) received heavy fines for not combatting fraudulent stuff enough. Bunq is a new bank and is being monitored closely by authorities. Bunq didn't get a fine, they know they can not afford missteps there as a Newby I think. The procedures are in line with what the authorities dictate them. I'd say bunq appears more strict, but is simply applying all the rules as intended, and other banks didn't (hence the fines).
Yes, sometimes legitimate customers get a false positive. And then bunq tries to resolve this asap after compliance verified the case. This keeps the system safe. Is it unfortunate for legitimate customers? Yes, can definitely be. But bunq is simply.keeping the authorities happy. 🙂