Regulatory Information

bunq is a licensed bank supervised by the Dutch Central Bank and authorized to operate in Belgium. This Savings Account is governed by Dutch law and classified as an unregulated savings account under Belgian law. A Key Saver Information document is not available for this product.

Tax Information

You are responsible for declaring any taxes due in Belgium. In Belgium, interest earned on unregulated savings accounts is subject to a 30% withholding tax. bunq does not deduct this automatically, so you must declare your interest income in your annual tax return.

bunq bonus MassInterest

You can earn a 2.01% annual gross interest rate (1.71% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
Your threshold is the highest balance in your Savings Account during the previous 6-month period, recalculated on January 1 and July 1 at 00:00 UTC.
If your account is new or had no savings during that period, your threshold is €0, so you receive the full 2.01% on all savings until the next calculation. Interest is paid out weekly based on your Payday. Read more about Payday here.

Costs

There are no additional fees for opening or maintaining a Savings Account beyond the monthly price of your bunq plan.
Savings accounts are available with all bunq plans: bunq Free (€0/month), bunq Core (€3.99/month), bunq Pro (€9.99/month), bunq Elite (€18.99/month).

Credit Risk

Saving money always involves some credit risk. Your money is protected up to a total of €100,000 per person across all bunq accounts (excluding investments in stocks and crypto) under the Dutch Deposit Guarantee Scheme (DGS). Balances above this amount are not guaranteed.

Inflation Risk

Your savings may lose value if inflation exceeds the interest you earn. bunq may adjust the gross interest rate; you will always be notified by email.

Dispute Resolution

If you have a formal complaint, you can submit it through our official complaints process.