Works well for me. I would not call it a breakthrough though. By the way,with bunq, you can set up a shared account with any individual not limited to a family member circle. It is quite useful! If you have joint financial issues and you have to find bank bills of certain value to exchange money all the time… Just drop it and use any service like this to start sharing access and forget about tiresome mutual payment settlement. AI-powered FINN is another immensely helpful thing.