Saving can be hard. Payday comes along, you reflect on all your hard work and you casually decide to treat yourself to something new. Then before you know it, boom! The end of the month rolls around and you're spinning into the same old cycle of spending all your money. 💸

Well luckily for you, it’s never too late to make a change (and whoever said change is hard, obviously never switched to a bunq account). Check out some quick and easy tips to help keep your eye on the prize and your hands off your savings.

Plan out your spending habits by creating multiple sub-accounts 💰💰💰

Preparation is key. By planning in advance and being proactive, you can keep tabs on what you may spend throughout the month. A great way to do this is by creating multiple sub-accounts based off of your usual spending habits and keep certain funds locked away for certain occasions.

Set yourself a goal 🎯

Once you’ve added a Savings Account to your bunq app, setting a specific goal will give you something to work towards, and it’s super easy to track your progress.

Want to reach your goal even faster without even having to think about it? You can round up all your payments to the nearest Euro, and have the difference added to your savings automatically. By enabling AutoSave, you’ll reach the finish line (and maybe a new iPhone) before you know it.

Motivate yourself with a high interest rate 📈

Save money while making it at the same time? We’d say that’s a win-win! Earning interest is a great motivational tool to help you save money, as long as it’s actually high enough to be worth your time. With a bunq Savings Account, you earn a massive [.geotargetlygeocontent1681395996476_default]1.56%[.geotargetlygeocontent1681395996476_default][.geotargetlygeocontent1681395996476_content_3]1.56%[.geotargetlygeocontent1681395996476_content_3][.geotargetlygeocontent1681395996476_content_4]1.56%[.geotargetlygeocontent1681395996476_content_4][.geotargetlygeocontent1681395996476_content_5]1.56%[.geotargetlygeocontent1681395996476_content_5][.geotargetlygeocontent1681395996476_content_1]2.01%[.geotargetlygeocontent1681395996476_content_1][.geotargetlygeocontent1681395996476_content_2]2.55%[.geotargetlygeocontent1681395996476_content_2]* on your deposits, effortlessly.

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Automatically split your salary between accounts at the start of the month ⚖️

Out of sight, out of mind. Once you have sub-accounts open for each of your monthly expenses, you can use Payment Sorter to have your salary sorted across them so your budget is automatically set for the month. You can even choose exactly how much you want to be sent to what account (either as a % of your salary or in €’s). Set it up once, then every month the bunq app will take care of the rest!

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* MassInterest is 1.05% for businesses. All new bunq users residing in Germany receive 2.55% interest on their savings in the first 4 months. After the first 4 months, our standard interest rate of 1.56% applies. This does not apply to already registered bunq users, who continue to earn 1.56% on their savings at bunq.