bunq
- Offers
- 5
- Instant access
- 2.31%
- highest effective
- Deposit
- 2.11%
- highest effective
- Deposit guarantee
- Until €100,000
- Netherlands scheme
Offers from bunq
- Spaarrekening (MassInterest)3.11% · 2.31% effective · since 15 Oct 2026€231interest per year
- Deposit 3 months1.76% · 1.77% effective€177per year, annualised
- Deposit 6 months1.86% · 1.87% effective€187per year, annualised
- Deposit 1 year2.11% · 2.11% effective€211interest per year
- Deposit 2 years1.91% · 1.89% effective€189per year, annualised
Saving at bunq
bunq is a bank from Netherlands, supervised by DNB. You open an account with the bank itself, online.
For €10,000 we list 1 instant-access account and 4 deposits from bunq, with terms from 3 months to 2 years. The best instant-access account, Spaarrekening (MassInterest), pays an effective 2.31% a year. The highest instant-access rate in our comparison is 3.04% right now. The best-paying deposit runs for 1 year at an effective 2.11% a year.
The lowest minimum deposit is €1,000. 1 offer has a temporary promotional rate; the effective rate above already counts the lower rate that follows. 1 offer is for new customers only. Some rates require a current account with the bank as well.
Savings at bunq fall under Nederlandse Depositogarantie (DGS), the statutory deposit guarantee scheme of Netherlands, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.
- What is the savings rate at bunq?
- At bunq the highest effective annual rate for €10,000 is currently 2.31% on instant-access savings and 2.11% on a 1 year deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at bunq?
- bunq (bunq B.V.) takes part in Nederlandse Depositogarantie (DGS). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
- Do I pay withholding tax on interest from bunq?
- Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.
- How do I open an account at bunq?
- You open an account with the bank itself, online.
Deposit guarantee and licence
- Institution
- bunq B.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Nederlandse Depositogarantie (DGS)
- Guarantee
- €100,000 per person per institution
- Licence
- DNB R127999
- Verification
- DNB-register Nederlandse depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Recent changes
Rate historyRSS- 21 Oct 2026, 12:26 · Limit changedbunq – Termijndeposito (12 mo): limits changed (min –→1000, max –→100000, rate cap –→–)
- 21 Oct 2026, 12:26 · Limit changedbunq – Termijndeposito (3 mo): limits changed (min –→1000, max –→100000, rate cap –→–)
- 21 Oct 2026, 12:26 · Limit changedbunq – Termijndeposito (24 mo): limits changed (min –→1000, max –→100000, rate cap –→–)
- 21 Oct 2026, 12:26 · Limit changedbunq – Termijndeposito (6 mo): limits changed (min –→1000, max –→100000, rate cap –→–)
- 15 Oct 2026, 15:48 · Promotion changedbunq – Spaarrekening (MassInterest): promotional rate 3.01% → 3.11% (base rate 1.51%)
- 7 Oct 2026, 15:59 · Limit changedbunq – Termijndeposito (12 mo): limits changed (min 1000→–, max –→–, rate cap –→–)
- 7 Oct 2026, 15:59 · Limit changedbunq – Termijndeposito (6 mo): limits changed (min 1000→–, max –→–, rate cap –→–)
- 7 Oct 2026, 15:59 · Limit changedbunq – Termijndeposito (3 mo): limits changed (min 1000→–, max –→–, rate cap –→–)
- 7 Oct 2026, 15:59 · Limit changedbunq – Termijndeposito (24 mo): limits changed (min 1000→–, max –→–, rate cap –→–)