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Bunq
Term Deposit (3mo)
1.76%
AER
Compare this savings account with others to find the best rate for your needs.
Type
Fixed Term
Term
3 months
Protection
Dutch DGS
After DIRT
1.18%
Min Deposit
€500
Interest Calculator
€5,000
Gross Interest (1 year)
€88.00
DIRT Tax (33%)
-€29.04
You Keep
€58.96
Pros
- •Deposit guarantee protected
- •Regulated financial institution
Cons
- •Compare rates regularly as they change
Best For
Savers looking for competitive rates
Important Notes
Fixed term deposit. 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%):-0.92% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05