bunqTermijndeposito
Deposit · 2 years · bunq B.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 1.91%
- 2 years fixed
- EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
- 1.89%
- for €25,000
- Your return on €25,000
- €473
- per year, annualised · €955 total over 2 years
- Deposit guarantee
- €25,000 fully protectedDutch scheme
bunq B.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 2 years: €955.
Interest built up over 2 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €478 | €25,478 |
| 2 years | €955 | €25,955 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.91% |
- Interest payout
- end of term, paid out
- Fees
- none
- Access
- 2 years fixed · early withdrawal with loss of interest
- Term
- 2 years
- Minimum deposit
- €1,000
- Maximum deposit
- €100,000
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Vroegtijdig opnemen: 1% van het opgenomen bedrag per resterend (deel)jaar van de looptijd, zonder rente; alleen het volledige bedrag kan worden opgenomen (gratis binnen 14 dagen na openen)
- Inleg en rente worden aan het einde van de looptijd uitbetaald op je bunq Bankrekening
Deposit guarantee
€25,000 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
1.91% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of bunq →All savings products of bunq →
- 21 Oct 2026bunq – Termijndeposito (24 mo): limits changed (min –→1000, max –→100000, rate cap –→–)
- 21 Oct 2026bunq – Termijndeposito (24 mo): conditions changed
- 7 Oct 2026bunq – Termijndeposito (24 mo): limits changed (min 1000→–, max –→–, rate cap –→–)
- 2 Sep 2026New: bunq – Termijndeposito (24 mo) 1.91%
Rate checked on 2 Nov 2026.