Thank you for reaching out. To answer your questions:
Firstly, to clarify, your money is always safe! We've always chosen to keep your money safe (for all users) and clean and we've decided to stay true to that cause.
No fee will be applied for business users with amounts under 100k and these funds will also be safely deposited at the ECB. This change is only for business users, so it does not apply to personal accounts (no matter the amount).
Feel free to check out our legal page here for more info (scroll down to see our pricing docs): https://www.bunq.com/legal
Please let me know if there is anything else I can help clear up for you 🙂