I have only Netherlands enabled as whitelisted country for my Bunq account preferences. I was traveling inside France for some days and when I tried use my Bunq card throughput my trip, it always showed "invalid pin" on the machine and "payment declined" in the Bunq app. I only realized after my trip that France was not in the whitelisted country. Checking the spending country's location with my whitelisted countries, only if the Bunq app payment declined message could show me that I am trying to use the card in a country which is not whitelisted in my settings, I would have been able to use my Bunq card when I was out of Netherlands. What a shame I could not use my card during my holiday trip and after every "invalid pin" message I continued to change my card's pin in the app. So due to the lack of visibility on the actual cause of the decline, I was unable to fix the problem myself and use the card at all.