Lock in a guaranteed rate

Earn up to 2.11% annual interest on your savings. Lock in a guaranteed rate for the term you choose.*

Lock in a guaranteed rate

Earn up to 2.11% annual interest on your savings. Lock in a guaranteed rate for the term you choose.*

Lock in a guaranteed rate

Earn up to 2.11% annual interest on your savings. Lock in a guaranteed rate for the term you choose.*

Pick a term that matches your goals

Lock in a guaranteed interest rate for your savings goals, whether they're 3 months or 2 years away.

Choose a term that works for you: 3, 6, 12, or 24 months

Deposit anywhere from €1,000 to €100,000 per person

Your interest is guaranteed for the entire term

Pick a term that matches your goals

Lock in a guaranteed interest rate for your savings goals, whether they're 3 months or 2 years away.

Choose a term that works for you: 3, 6, 12, or 24 months

Deposit anywhere from €1,000 to €100,000 per person

Your interest is guaranteed for the entire term

Pick a term that matches your goals

Lock in a guaranteed interest rate for your savings goals, whether they're 3 months or 2 years away.

Choose a term that works for you: 3, 6, 12, or 24 months

Deposit anywhere from €1,000 to €100,000 per person

Your interest is guaranteed for the entire term

Term Deposit Rates

TermGross Annual Interest Rate
3 months
1.76%
6 months
1.86%
12 months
2.11%
24 months
1.91%

Protected savings, flexible access

Your EUR savings at bunq are protected up to €100,000 by the Dutch Deposit Guarantee Scheme (DGS). And because plans can change, you have the flexibility to access your Term Deposit funds early for a clear, predictable fee¹.

Protected savings, flexible access

Your EUR savings at bunq are protected up to €100,000 by the Dutch Deposit Guarantee Scheme (DGS). And because plans can change, you have the flexibility to access your Term Deposit funds early for a clear, predictable fee¹.

Protected savings, flexible access

Your EUR savings at bunq are protected up to €100,000 by the Dutch Deposit Guarantee Scheme (DGS). And because plans can change, you have the flexibility to access your Term Deposit funds early for a clear, predictable fee¹.

Disclaimer

¹When you place funds in a EUR term deposit, your money is locked for the full duration of the selected term. Only the full amount may be withdrawn—partial withdrawals aren’t possible. If you withdraw your funds before the end of the term, an early-withdrawal fee will apply. The early-withdrawal fee is 1% of the amount withdrawn for each remaining year of the term (partial year count as full), with the remaining period rounded up to the next full year. As a result, withdrawing early may reduce the amount you receive back. Learn more

Disclaimer

¹When you place funds in a EUR term deposit, your money is locked for the full duration of the selected term. Only the full amount may be withdrawn—partial withdrawals aren’t possible. If you withdraw your funds before the end of the term, an early-withdrawal fee will apply. The early-withdrawal fee is 1% of the amount withdrawn for each remaining year of the term (partial year count as full), with the remaining period rounded up to the next full year. As a result, withdrawing early may reduce the amount you receive back. Learn more

Disclaimer

¹When you place funds in a EUR term deposit, your money is locked for the full duration of the selected term. Only the full amount may be withdrawn—partial withdrawals aren’t possible. If you withdraw your funds before the end of the term, an early-withdrawal fee will apply. The early-withdrawal fee is 1% of the amount withdrawn for each remaining year of the term (partial year count as full), with the remaining period rounded up to the next full year. As a result, withdrawing early may reduce the amount you receive back. Learn more

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Turn your savings into a long-term advantage

If you have money you can set aside, a bunq Term Deposit helps you make more of it with higher, stable returns. No extra accounts, no paperwork, just a smart way to grow your savings from the app you already use every day.

Frequently Asked Questions

What is a Term Deposit?

A Term Deposit lets you lock your money for a fixed period to earn a higher interest.

A Term Deposit lets you lock your money for a fixed period to earn a higher interest.

What rates can I earn with a Term Deposit?

The interest rate you earn depends on the term you choose and whether you look at the annual rate or the prorated return for the specific term length.

Gross Annual Interest Rate

This shows the annualised interest rate for each term. It helps you compare Term Deposits with different durations on a like-for-like basis, even though shorter terms don’t run for a full year.

For example:

  • 3 months: 1.76% gross

  • 6 months: 1.86% gross

  • 12 months: 2.11% gross

  • 24 months: 1.91% gross

Who can open a Term Deposit?

Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Business accounts are not eligible. Learn more

How much can I deposit?

You can deposit €1,000–€100,000 per Term Deposit.
You can open multiple deposits and savings accounts as long as the combined total stays below €100,000.

This means if you have €80,000 in a Term Deposit and €40,000 in a regular Savings account, interest is only earned on the first €100,000. If you have funds in both a Term Deposit and a regular Savings Account, we always prioritize paying interest on your Term Deposit first.

You’ll receive the Term Deposit interest on the full €80,000. Then, you’ll earn the regular savings interest on the remaining €20,000 of the limit (€100,000 - €80,000). The final €20,000 in your regular Savings Account will not earn interest, as you have already reached the €100,000 maximum. 

Do I earn interest on everything I deposit?

Interest is earned on a combined maximum of €100,000 across all your EUR Savings Accounts and Term Deposits. Anything above that does not earn interest.

Can I add money after opening the Term Deposit?

No. Your deposit amount is fixed for the full term. Incoming transfers to the Term Deposit will bounce.

Can I withdraw money early?

Yes, but only as a full withdrawal, and an early withdrawal fee will apply. Partial withdrawals aren’t possible. Learn more

What happens at the end of the term?

When the term ends, your deposit and interest are paid to your main bank account and the Term Deposit account closes, so your money is ready to use immediately. Learn more

Is my money protected?

Yes. Term Deposits are covered under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per person, combined across all EUR Savings Accounts and Term Deposits.

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