bunqSpaarrekening (MassInterest)
Instant access · bunq B.V. · Netherlands · Directly at the bank
Promotional rateNew customers onlyCurrent account required
- Promotional rate
- 3.11%
- then 1.51%
- since 15 Oct 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for 6 months; after that 1.51%. Interest is compounded during the term and earns interest on interest.
- 2.31%
- for €16,800
- Your return on €16,800
- €388
- interest per year
- Deposit guarantee
- €16,800 fully protectedDutch scheme
bunq B.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €388.
Existing customers do not get the promotional rate: 1.51% → €254 over 1 year.
In the calculation: 6 months promotional rate (€261.24), then the base rate.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.51% |
- Interest payout
- other, compounded (interest on interest)
- Fees
- none
Promotion conditions
- Promotional rate 3.11% for 6 months
- New customers only
- Nieuwe spaarders krijgen de bonusrente (3.11%) over het hele saldo tot de eerste drempelberekening (1 januari of 1 juli). Daarna: basisrente 1.51% tot het drempelbedrag en bonusrente 3.11% boven het drempelbedrag.
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Basisrente 1.51% over het saldo tot je drempelbedrag; bonusrente 3.11% over het saldo boven je drempelbedrag
- Rente wordt wekelijks uitgekeerd (Payday)
- Tot 2 gratis opnames per kalendermaand (3 na een jaar sparen); daarboven betaal je eerder ontvangen Paydays terug
- Vereist een bunq-abonnement (Bankrekening); de basis- en bonusrente zijn variabel
Deposit guarantee
€16,800 fully protected
Dutch scheme
bunq B.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- bunq B.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Nederlandse Depositogarantie (DGS) (Netherlands)
- Guarantee
- €100,000 per person per institution
- Verification
- DNB-register Nederlandse depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 15 Oct 2026 | 3.11% | current |
| 2 Sep 2026 | 3.01% | 15 Oct 2026 |
All historic rates of bunq →All savings products of bunq →
- 15 Oct 2026bunq – Spaarrekening (MassInterest): promotional rate 3.01% → 3.11% (base rate 1.51%)
- 14 Oct 2026bunq – Spaarrekening (MassInterest): conditions changed
- 2 Sep 2026New: bunq – Spaarrekening (MassInterest) 3.01%
Rate checked on 2 Nov 2026.