Información Reguladora
bunq es un banco licenciado supervisado por el Banco Central de los Países Bajos y autorizado para operar en Bélgica. Esta Cuenta de Ahorros está regida por la ley neerlandesa y clasificada como una cuenta de ahorros no regulada según la ley belga. No hay disponible un documento de Información Clave de Ahorros para este producto.
Información Fiscal
Eres responsable de declarar cualquier impuesto debido en Bélgica. En Bélgica, los intereses ganados en cuentas de ahorros no reguladas están sujetos a un impuesto de retención del 30 %. bunq no las deduce automáticamente, por lo que debes declarar tus ingresos por intereses en tu declaración anual de impuestos.
MassInterest de bonificación bunq
Puedes ganar un 2,01 % de tasa de interés anual bruta (1,71 % neta) en ahorros por encima del umbral personalizado, y un 1,51 % de tasa de interés bruta (1,057 % neta) en la parte por debajo de este.
Tu umbral es el saldo más alto en tu Cuenta de Ahorros durante el período anterior de 6 meses, recalculado el 1 de enero y el 1 de julio a las 00:00 UTC.
Si tu cuenta es nueva o no tuvo ahorros durante ese período, tu umbral es de €0, por lo que recibes el 2,01 % de tasa de interés anual bruta (1,71 % neta) completa en todos los ahorros hasta el próximo cálculo. Los intereses se pagan semanalmente en función de tu Payday. Lee más sobre Payday aquí.
bunq puede ajustar la tasa de interés bruta; siempre se te notificará por correo electrónico.
Costos
No hay tarifas adicionales para abrir o mantener una Cuenta de Ahorros más allá del precio mensual de tu plan bunq.
Las cuentas de ahorros están disponibles con todos los planes bunq: bunq Free (€0/mes), bunq Core (€3,99/mes), bunq Pro (€9,99/mes), bunq Elite (€18,99/mes).
Riesgo Crediticio
Ahorrar dinero siempre implica algún riesgo crediticio. Tu dinero está protegido hasta un total de €100.000 por persona en todas las cuentas bunq (excluyendo inversiones en acciones y criptomonedas) bajo el Sistema de Garantía de Depósitos de los Países Bajos (DGS). Los saldos por encima de esta cantidad no están garantizados.
Riesgo Inflacionario
Tus ahorros pueden perder valor si la inflación supera los intereses que ganas.
Resolución de Disputas
Si tienes una queja formal, puedes presentarla a través de nuestro proceso oficial de quejas.
*Puedes retirar dinero de tus Cuentas de Ahorros gratis hasta dos veces por mes calendario (sin límite de importe). Tras ahorrar con bunq durante un año completo desde tu primer depósito, automáticamente recibirás una tercera retirada gratis cada mes. Las transferencias internas entre tus propias Cuentas de Ahorros no cuentan para este límite; pero las transferencias a Cuentas Bancarias, los pagos automáticos y las retiradas de Cuentas de Ahorros Conjuntas, sí.
Tu límite de retiradas gratis se reinicia el día 1 de cada mes a la 01:00 CET.
Si superas tus retiradas gratuitas, aún puedes retirar pagando una comisión: tu primera retirada de pago requiere devolver tus últimos cuatro Paydays; cada retirada adicional requiere devolver todos los Paydays acumulados desde tu último retiro (o tu Payday más reciente si no has recibido ninguno).
Puedes cerrar tu Cuenta de Ahorros en cualquier momento tras retirar todos los fondos.
Si ya has usado tus retiradas gratuitas del mes, puedes esperar a que se restablezcan o hacer una retirada de pago.
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Preguntas Frecuentes
¿Puedo abrir varias cuentas de ahorro?
¡Sí! Con una cuenta bunq Pro o bunq Elite, puedes crear hasta 25 Cuentas de ahorros, cada una con su propio IBAN. Esto te permite enviar y recibir dinero de forma independiente y tener el control total de tu presupuesto. Además, puedes personalizar cada cuenta y agruparlas como quieras para tener una visión financiera clara y organizada.
¡Sí! Con una cuenta bunq Pro o bunq Elite, puedes crear hasta 25 Cuentas de ahorros, cada una con su propio IBAN. Esto te permite enviar y recibir dinero de forma independiente y tener el control total de tu presupuesto. Además, puedes personalizar cada cuenta y agruparlas como quieras para tener una visión financiera clara y organizada.
¿Cómo funciona el Redondeo Automático?
Cada vez que haces un pago, el importe se redondea y la diferencia se envía a una de tus Cuentas de Ahorros. Por ejemplo, si gastas 2,20 € en ese café con hielo, automáticamente añadirás 0,80 € de tu saldo a tus ahorros. Además, puedes elegir ahorrar más rápido redondeando al siguiente múltiplo de 2 o 5 euros.
¿Mis ahorros están seguros con bunq?
Tus ahorros en euros están protegidos por el Sistema de Garantía de Depósitos de los Países Bajos (DGS), que asegura depósitos de hasta 100.000 € por titular de cuenta en todas las cuentas de bunq (excluyendo inversiones en acciones y criptomonedas). Esta garantía asegura que tu dinero esté protegido mientras ahorras con bunq.
