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Bunq
Easy Savings
2.01%
AER
Dutch neobank Bunq offering 2.01% instant access. Good rate with easy app-based access.
Type
Instant Access
Term
Instant
Protection
Dutch DGS
After DIRT
1.35%
Interest Calculator
€5,000
Gross Interest (1 year)
€100.50
DIRT Tax (33%)
-€33.16
You Keep
€67.33
Pros
- •Strong 2.01% rate
- •Instant access
- •Good mobile app
- •Dutch DGS protected
Cons
- •Only 2 free withdrawals/month
- •Must file DIRT yourself
- •€100k maximum
Best For
Those wanting high instant access rateApp-first savers
Important Notes
2 free withdrawals per month. App-based. DIRT not auto-deducted - self-declare on tax return.
Tax & Admin Info
What is Bunq? A Dutch neobank offering app-based savings accounts with competitive rates.
Tax: Bunq doesn't auto-deduct DIRT. You'll need to self-declare interest on your annual tax return (Form 12).
Protection: Your savings are protected up to €100,000 by the Dutch Deposit Guarantee Scheme.
Note: Only 2 free withdrawals per month - additional withdrawals may incur fees.
vs Irish inflation (2.1%):-0.75% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05