* Savings Account
With the bunq Free plan you can have 2 accounts (Bank Account and Savings Account); to open the Savings Account you need the Bank Account. The Savings Account has a balance limit of €100,000 and pays interest every 7 days.
Threshold: the highest balance you had in the previous calendar half-year (January 1 to June 30 or July 1 to December 31).
Tiers: the balance that does not exceed your threshold earns interest as follows: up to €10,000, at 1.61% TIN; the portion above €10,000 up to your threshold, at 1.51% TIN. All balance above your threshold earns 3.11% TIN. If you are a new user or had no balance in the previous calendar half-year, your threshold is €0 and you receive 3.11% TIN on your entire balance until the next threshold calculation.
APR from 1.54% to 3.16%
 What changes in each tier is the interest rate paid (TIN). Your account has a single APR, which depends on your deposited balance, the deposit date and your individual half-year threshold.
Representative example of APR 1.54%: Savings Account with a balance of €80,000 from 20270101 and a threshold of €80,000, over a term of 12 months (20270101 to 20271231), with weekly interest payments (every 7 days). From 20270101 to 20270630, the first €10,000 earns €79.84 at 1.61% TIN, the €70,000 up to the threshold earns €524.16 at 1.51% TIN, and the interest paid above the threshold earns €4.50 at 3.11% TIN: €608.50 in total, of which €588.17 is paid before 20270630 and €20.32 in the first July payment. On 20270701 the threshold becomes €80,588.17. From 20270701 to 20271231, the first €10,000 earns €81.16 at 1.61% TIN, the €70,588.17 up to the threshold earns €537.32 at 1.51% TIN, and the interest paid above the threshold earns €5.01 at 3.11% TIN. Total interest over 12 months: €1,231.98. Final balance: €81,231.98, including €3.42 of accrued interest pending payment.
Representative example of APR 3.16%: new Savings Account, with an initial balance of €50 on 20270101 and a second deposit of €50,000 on 20270701, over a term of 12 months (20270101 to 20271231), with weekly interest payments (every 7 days). From 20270101 to 20270630, the €50 earns €0.78 at 3.11% TIN (threshold €0), paid in 25 weekly payments of €0.03 (€0.75 in total) before 20270630, and €0.03 in the first July payment. On 20270701 the threshold becomes €50.75. From 20270701 to 20271231, the €50.75 earns €0.41 at 1.61% TIN and the €50,000 above the threshold, together with the interest paid, earns €789.84 at 3.11% TIN. Total interest over 12 months: €791.03. Final balance: €50,841.03, including €4.33 of accrued interest pending payment. APR calculated taking into account the date of each deposit.
Calculations are based on daily interest accrual (365-day year), with payments every 7 days from the start date of each example, compounded in the Savings Account, with no other deposits or withdrawals. bunq B.V. is a member of the Dutch Deposit Guarantee Scheme, De Nederlandsche Bank (DNB). The maximum guaranteed amount is €100,000 per depositor. Full terms at bunq.com.

** A fee of 0.99% per order applies. With bunq Pro it is 20% lower (0.79% per order), and with bunq Elite it is 50% lower (0.49% per order). This is not investment advice. Investing in the stock market involves risk of loss. Service provided by Ginmon Vermögensverwaltung GmbH