Your rate depends on the term you choose. We show gross annual interest rates for each term length in the app so you can compare options.
Open Term Deposits in the app for today’s rates.
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.*
* Open a Term Deposit for free and start from €1,000. Terms and Conditions apply.
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.*
* Open a Term Deposit for free and start from €1,000. Terms and Conditions apply.
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.*
* Open a Term Deposit for free and start from €1,000. Terms and Conditions apply.
Pick a term that matches your goals
Whether your goal is 3 months or 2 years away, pick a term that fits: 3, 6, 12, or 24 months. Deposits from €1,000 to €100,000 per person—your interest stays guaranteed for the full term.
*
Terms and Conditions apply. Rates and terms are shown in the app.View Term Deposit terms
Pick a term that matches your goals
Whether your goal is 3 months or 2 years away, pick a term that fits: 3, 6, 12, or 24 months. Deposits from €1,000 to €100,000 per person—your interest stays guaranteed for the full term.
*
Terms and Conditions apply. Rates and terms are shown in the app.View Term Deposit terms
Pick a term that matches your goals
Whether your goal is 3 months or 2 years away, pick a term that fits: 3, 6, 12, or 24 months. Deposits from €1,000 to €100,000 per person—your interest stays guaranteed for the full term.
*
Terms and Conditions apply. Rates and terms are shown in the app.View Term Deposit terms
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.
Term Deposit Rates
| Term | Gross Annual Interest Rate |
|---|---|
| 3 months | 1.76% |
| 6 months | 1.86% |
| 12 months | 2.11% |
| 24 months | 1.91% |
Term Deposit Rates
| Term | Gross Annual Interest Rate |
|---|---|
| 3 months | 1.76% |
| 6 months | 1.86% |
| 12 months | 2.11% |
| 24 months | 1.91% |
Term Deposit Rates
| Term | Gross Annual Interest Rate |
|---|---|
| 3 months | 1.76% |
| 6 months | 1.86% |
| 12 months | 2.11% |
| 24 months | 1.91% |
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Frequently Asked Questions
Quick answers to help you choose the right plan and get started.
When your Term Deposit ends, the deposited amount and earned interest are paid out to your oldest active Personal Bank Account and the Term Deposit closes automatically.
Yes. You can end your Term Deposit early and withdraw the full deposited amount, but a cancellation penalty applies and you won’t earn interest on that deposit. See the app for current penalty details before you confirm.
No. Once your Term Deposit starts, the amount is fixed for the full term. To save more, open another Term Deposit (within the limits shown in the app).
Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Business Accounts are not eligible.
A Term Deposit is a fixed-term savings product: you lock an amount for a set period to earn a higher interest rate than easy-access balances (rates are shown in-app).
Frequently Asked Questions
Quick answers to help you choose the right plan and get started.
Your rate depends on the term you choose. We show gross annual interest rates for each term length in the app so you can compare options.
Open Term Deposits in the app for today’s rates.
When your Term Deposit ends, the deposited amount and earned interest are paid out to your oldest active Personal Bank Account and the Term Deposit closes automatically.
Yes. You can end your Term Deposit early and withdraw the full deposited amount, but a cancellation penalty applies and you won’t earn interest on that deposit. See the app for current penalty details before you confirm.
No. Once your Term Deposit starts, the amount is fixed for the full term. To save more, open another Term Deposit (within the limits shown in the app).
Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Business Accounts are not eligible.
A Term Deposit is a fixed-term savings product: you lock an amount for a set period to earn a higher interest rate than easy-access balances (rates are shown in-app).
Frequently Asked Questions
Quick answers to help you choose the right plan and get started.
Your rate depends on the term you choose. We show gross annual interest rates for each term length in the app so you can compare options.
Open Term Deposits in the app for today’s rates.
When your Term Deposit ends, the deposited amount and earned interest are paid out to your oldest active Personal Bank Account and the Term Deposit closes automatically.
Yes. You can end your Term Deposit early and withdraw the full deposited amount, but a cancellation penalty applies and you won’t earn interest on that deposit. See the app for current penalty details before you confirm.
No. Once your Term Deposit starts, the amount is fixed for the full term. To save more, open another Term Deposit (within the limits shown in the app).
Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Business Accounts are not eligible.
A Term Deposit is a fixed-term savings product: you lock an amount for a set period to earn a higher interest rate than easy-access balances (rates are shown in-app).
Start banking with features that fit your life
Open bunq in minutes and set up the tools you need for spending, saving, travel, and everyday control.
Start banking with features that fit your life
Open bunq in minutes and set up the tools you need for spending, saving, travel, and everyday control.
Start banking with features that fit your life
Open bunq in minutes and set up the tools you need for spending, saving, travel, and everyday control.
Related articles
Keep exploring practical ways to get more from your money with bunq.
Life4 minute read
How to Set Long-Term Financial Goals as a Couple
Talking about money as a couple doesn't have to be awkward. Set long-term financial goals together and feel more aligned.
Related articles
Keep exploring practical ways to get more from your money with bunq.
Life4 minute read
How to Set Long-Term Financial Goals as a Couple
Talking about money as a couple doesn't have to be awkward. Set long-term financial goals together and feel more aligned.
Related articles
Keep exploring practical ways to get more from your money with bunq.
Life4 minute read
How to Set Long-Term Financial Goals as a Couple
Talking about money as a couple doesn't have to be awkward. Set long-term financial goals together and feel more aligned.