Bunq Savings Account

3.11% AER - Instant Access savings account from Bunq. 2.08% after 33% DIRT tax.

Account Details

Notes: Variable gross annual rate, paid weekly. 3.11% on all savings until your first threshold calculation, then only on savings above your threshold (your highest balance in the last 6 months, recalculated every 6 months); below it, 1.61% on the first €10,000 and 1.51% on the rest. Same rate on every plan, including bunq Free. Up to 3 withdrawals a calendar month. App-based. Dutch DGS guarantee (€100k). DIRT not auto-deducted. Self-declare on your Irish tax return.

Interest Calculator

Estimated annual interest at 3.11% AER:

Use our savings calculator for detailed projections.

About Bunq

Dutch digital bank. App-based. No DIRT auto-deduction.

Website: https://www.bunq.com/

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Frequently Asked Questions

What is the interest rate on Bunq Savings Account?

Bunq Savings Account pays 3.11% AER. After 33% DIRT tax, the effective rate is 2.08%.

Is my money protected with Bunq?

Yes, deposits are protected under Dutch DGS. This provides protection up to €100,000 under EU deposit guarantee rules.

How do I open this account?

Download the Bunq app and complete ID verification. The process is fully digital.

Do I have to pay tax on the interest?

Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Bunq does not deduct DIRT automatically - you must declare it in your tax return.

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