Access to that kind of data requires regulation, a lot of it and that's why Third Party Providers exist. There are a lot of them in Europe and they're not expensive.
I actually didn't expect to find anything about bunq around here but I have to say they're the worst bank I've worked with. When we started working with them, their API were broken and the devs had no idea why. It seems to have improved recently but it's definitely not a bank to praise for their API.
And now we have a paypal-like shopping experience via SEPA Instant Payments, all our PayPal hating customers are happy ;)
I know, that's my point. It's a stupid decision.
> Access to that kind of data requires regulation
It's my data. I want to access it how I see fit.
> There are a lot of them in Europe and they're not expensive.
I already have a bank and I already pay them. I don't want to pay anyone else to be able to use my bank account in a way that suits me. Sadly, there aren't many good options.
Someone mentioned Wise, and they do seem pretty interesting. But it makes no sense why common high strees banks refuse to cater to power users, or even to users who aren't using mainstream devices.