bunqTermijndeposito
Deposit · 3 months · bunq B.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 1.76%
- 3 months fixed
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 1.77%
- for €10,000
- Your return on €10,000
- €177
- per year, annualised · €44 total over 3 months
- Deposit guarantee
- €10,000 fully protectedDutch scheme
bunq B.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €10,000
Gross interest over 3 months: €44.
Interest built up over 3 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.76% |
- Interest payout
- end of term, paid out
- Fees
- none
- Access
- 3 months fixed · early withdrawal with loss of interest
- Term
- 3 months
- 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
€10,000 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
1.76% 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 (3 mo): limits changed (min –→1000, max –→100000, rate cap –→–)
- 21 Oct 2026bunq – Termijndeposito (3 mo): conditions changed
- 7 Oct 2026bunq – Termijndeposito (3 mo): limits changed (min 1000→–, max –→–, rate cap –→–)
- 2 Sep 2026New: bunq – Termijndeposito (3 mo) 1.76%
Rate checked on 2 Nov 2026.