Sorry for the Dunglish :) Exactly that, we usually use my pass when going out, I couple it to the "beer" account and send everyone a payment request, or just my bunq.me page (like https://bunq.me/freekvh (try adding an amount to the url and then a word and see the page change dynamically, i.e. https://bunq.me/freekvh/10.15/beer_money) and they can fill the beer account (iDeal is the instant payment method in the Netherlands). I set another pin code on the fly for the pass or even choose 2 pin codes to access different accounts with each. But usually one pays "contactless" in the Netherlands.
For work I do the same, create a dedicated account and after a trip I can easily export an overview to get the money back from the company.
In the Netherlands one pays with Maestro cards but for international travel I can couple a (debit) MasterCard, or the new TravelCard which is a real credit MasterCard but backed by your own money. bunq does not do debt.
You can link any of your bank cards to any of your accounts using the mobile app (change is instant AFAIK)
You can even configure different pin codes per card, where each pin code corresponds to a different account
I don't understand what you mean by this?