What MassInterest rate applies to me?

bunq

Hey bunqers 🌈

You can count on us to always give you the best possible interest on your savings. Although the European Central Bank has lowered interest rates recently, we are now introducing a bonus interest rate to reward extra savings.

See how this applies to you below:

What MassInterest rate applies to me?

Personal Accounts [Changes Effective as of July 19, 2024]

Your threshold amount for receiving bonus interest is the highest savings balance reached between January 1 and June 30, 2024. From July 1, 2024 to December 31, 2024, you accrue a base interest rate of 2.16%* on your savings balance up to this threshold amount. Any balance exceeding this threshold amount earns a bonus interest rate.

For 🇪🇺 EEA Residents who signed up for bunq on/after July 1, 2024
- You didn’t have any savings balance between January 1, 2024 and June 30, 2024 so your threshold will be 0. Therefore, you’ll receive a variable bonus interest rate (currently 3.36%*) on all your savings up to €100,000 until December 31, 2024
For 🇪🇺 EEA Residents who signed up to bunq before July 1, 2024
- The highest savings balance that you reached between January 1, 2024 and June 30, 2024 determines your threshold amount.
- Between July 1, 2024 and December 31, 2024:
- You’ll get an annual variable base interest of 2.16%* up to your threshold amount
- You’ll get an annual variable bonus rate (currently 3.36%*) on any additional funds deposited between July 1, 2024 and December 31, 2024 that are above your threshold amount.

The system will automatically reset itself on January 1, 2025: your threshold amount will then be recalculated to become the highest savings balance you reached between July 1, 2024 and December 31, 2024. Then, between January 1, 2025 and June 30, 2025, you’ll earn the base interest rate up to your new threshold and the bonus rate on balances over the threshold amount.

*The base rate and the bonus rate may be subject to change before December 31, 2024.

For 🇳🇱 Dutch and 🇮🇪 Irish Resident

If you’re a 🇳🇱 Dutch or 🇮🇪 Irish resident and signed up on/after May 27, 2024 but before July 3, 2024, you’ll continue receiving a fixed 2.46% (annual rate) for your first 3 months. Once your promotional period is over, your rates will change to the ones mentioned above. Your threshold will be based on the highest savings balance that you reached between January 1 and June 30, 2024.

For 🇩🇪 German Residents:

New users who signed up between June 24 and July 18, 2024:
- 3.76% during the first 4 months
- An annual variable base rate of 2.16%* and an annual variable bonus rate of 3.36%*. For more info click here
New users who signed up between May 7 and June 23, 2024:
- 4.01% during the first 4 months
- An annual variable base rate of 2.16%* and an annual variable bonus rate of 3.36%*. For more info click here
New users who signed up between March 12 and May 6, 2024:
- 3.50% during the first 4 months
- An annual variable base rate of 2.16%* and an annual variable bonus rate of 3.36%*. For more info click here

*The base rate and the bonus rate may be subject to change before December 31, 2024.

For 🇺🇸USD and 🇬🇧GBP Savings Accounts:

Annual variable rate of 3.71%

Business Accounts

For 🇪🇺 All EEA Residents:

Annual variable rate of 1.05%

For 🇺🇸 USD and 🇬🇧 GBP Savings Accounts:

Annual variable rate of 2.3%