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Interest rate 2025

Paolo-Black-Jaguar

What will be the interest rate offered on saving in 2025 by Bunq?

purple-axolotl-dinosaur

Thanks for your interest and question!

The interest rate offered on savings in 2025 will depend on your savings threshold, recalculated as the highest balance you reached between July 1 and December 31, 2024. From January 1 to June 30, 2025, you’ll earn the base interest rate on balances up to this threshold and a bonus rate on amounts exceeding it.

For more information on this calculation check out this topic: What’s MassInterest and how does it work? 📚

Currently, the base rate is 2.01%, and the bonus rate is 3.36%, but these rates may change. We'll announce any updates to the rates as they occur. Stay tuned for the latest information! 🚀

New-Scarlet-Iguana-3208907268

Analysten gehen davon aus, dass die EZB im Laufe des Jahres 2025 den Einlagenzinssatz auf 2% senken wird. Wie wird sich das auf den zeitlichen Ablauf und die Zinshöhe bei bunq auswirken?

thijsoost

Claus Most banks follow the ECB. If they decrease the interest rate, the banks follow

New-Scarlet-Iguana-3208907268

Thijs I realize that already. But that wasn't my question. Specifically: If the ECB now lowers the deposit rate by 0.25 points every few months at its meetings, WHEN will bunq follow? And in the same steps?

thijsoost

Claus That's something bunq most probably won't let us know beforehand

New-Scarlet-Iguana-3208907268

Ok, so you don't know any more than I do. Deciding on an investment strategy is always a very short-term decision anyway with forms of investment such as call money.