Hey there Sneezie 👋
Thanks for reaching out, I'll gladly answer your question.
Both personal and business are considered two separate accounts, and the holding fee is calculated separately. The Dutch Guarantee Scheme ensures peace of mind for both your Personal and Business accounts, providing coverage of up to €100k for each, offering financial security in the unlikely event of bunq facing bankruptcy.
I hope this answers your question, wish you a wonderful day 🌈