There are other banks that have managed to overcome the complexities of overlapping regulatory frameworks in this regard. Cutting UK travellers and customers out after the travel card runs out, is for the most part a political choice. Im not against extra tiered services when I can afford the but the reasoning that it just isnt affordable or possible is not credible. I like Bunq, and the free travel credit card is an excellent product, to stay competitive I think its important to consider everyone in the European continent, not politics.