bunq savings rates 2026: savings account and fixed-term deposit
In October 2026 the base rate of bunq's euro savings account is 1.61% on the first €10,000, and new savings above the threshold earn a 3.11% bonus rate. The rate of bunq's 12-month fixed-term deposit is 2.11%.
bunq savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| bunq Savings Account (EUR) | 1.61% | Bonus rate of 3.11% on all savings until the first threshold calculation; after that, up to the threshold 1.61% on the first €10,000 and 1.51% above that, and 3.11% on the part above the threshold | Two free withdrawals per month (three after a year). Extra withdrawals cost back earned interest amounts (Paydays). | not available | Yes | Extra withdrawals lose previously earned interest as described on the page. |
- bunq Savings Account (EUR): The threshold is the highest savings balance of the previous 6 months, and it is calculated on 1 January and 1 July. Interest is paid weekly. According to the page the savings account is available in Finland.
bunq fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 3 months | 1.76% | €1,000 | €100,000 | The deposit can be ended only in full; a fee of 1% of the withdrawn amount for each remaining year (a started year counts as a full year), and no interest is paid. |
| 6 months | 1.86% | €1,000 | €100,000 | As for 3 months: 1% per remaining year, the interest is lost. |
| 12 months | 2.11% | €1,000 | €100,000 | As for 3 months: 1% per remaining year, the interest is lost. |
| 24 months | 1.91% | €1,000 | €100,000 | As for 3 months: 1% per remaining year, the interest is lost. |
- 3 months: Availability in Finland is not mentioned on the fixed-term deposit page.
- 6 months: Availability in Finland is not mentioned on the fixed-term deposit page.
- 12 months: Availability in Finland is not mentioned on the fixed-term deposit page.
- 24 months: Availability in Finland is not mentioned on the fixed-term deposit page.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Netherlands |
| Opening online as a new customer | Yes |
| Requires a current account or customer relationship | Yes |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Dutch deposit guarantee (Dutch Deposit Guarantee Scheme), €100,000 per depositor. No Finnish branch.
Withholding tax: no Finnish withholding tax, declare it yourself. Finnish withholding tax is not withheld, so you declare the interest yourself. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state. Read more in the guides deposit guarantee and tax on savings deposits.
Calculate the return
Enter the amount and the term in the savings rates calculator to see the gross interest, the tax and the net interest of bunq compared with other providers. See all providers in the savings rates comparison.
See also
- Savings rates comparison
- Fixed-term deposits compared
- Savings account vs fixed-term deposit
- bunq price list and service fees
Similar savings rates
Sources
- bunq: Savings Accountsretrieved 16 October 2026
- bunq: Term Depositsretrieved 16 October 2026
Information checked 16 October 2026. Always check the current rate and terms with the provider.
Frequently asked questions
How much interest does bunq pay on a savings account?
In October 2026 bunq savings accounts and rates: bunq Savings Account (EUR) 1.61%. Note: no Finnish branch; withdrawal restriction.
What is the fixed-term deposit rate at bunq?
In October 2026 bunq fixed-term deposit rates: 3 months 1.76%, 6 months 1.86%, 12 months 2.11% and 24 months 1.91%. The terms for early withdrawal vary, and they are shown in the table on the page.
Is a deposit at bunq safe?
Dutch deposit guarantee (Dutch Deposit Guarantee Scheme), €100,000 per depositor. No Finnish branch. The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at bunq?
No Finnish withholding tax, declare it yourself. Finnish withholding tax is not withheld, so you declare the interest yourself. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state.