What is the best Bunq savings rate?
The best Bunq savings rate is 3.11% AER on their Savings Account.
Bunq Savings Accounts in Ireland - November 2026
Bunq offers 5 savings accounts in Ireland. Bunq is a digital-only bank with app-based account management. Deposits protected by Dutch DGS, up to €100,000.
Summary
- Total accounts: 5
- Account types: Instant Access, Fixed Term
- Best rate: 3.11% AER (Savings Account)
- Best instant access: 3.11% AER
- Deposit protection: Dutch DGS, up to €100,000
- DIRT tax: Self-declare (33%)
- Data checked: weekly, Mondays
Instant Access Accounts (1)
Withdraw anytime without penalty.
- 3.11% AER - Savings Account. No minimum
Fixed Term Deposits (4)
Lock your money for higher rates.
- 2.11% AER - Term Deposit (12mo) (12 months). Min €1,000, Max €100,000
- 1.91% AER - Term Deposit (24mo) (24 months). Min €1,000, Max €100,000
- 1.86% AER - Term Deposit (6mo) (6 months). Min €1,000, Max €100,000
- 1.76% AER - Term Deposit (3mo) (3 months). Min €1,000, Max €100,000
Frequently Asked Questions
Is my money safe with Bunq?
Bunq deposits are protected by Dutch DGS. EU deposit guarantee schemes typically cover up to €100,000 per depositor.
How is DIRT tax handled?
Bunq does not automatically deduct DIRT. As an EU-based provider, you must self-declare interest on your annual Irish tax return and pay the 33% DIRT yourself.
Can I access my money instantly?
Yes, Bunq offers 1 instant access account with rates up to 3.11% AER. You can withdraw anytime without notice or penalty.
How do I open a Bunq savings account?
Download the Bunq app, complete ID verification, and start saving within minutes. Fully digital process.
Compare Other Providers
- AIB: https://www.smartsaver.ie/savings/provider/aib
- EBS: https://www.smartsaver.ie/savings/provider/ebs
- Bankinter: https://www.smartsaver.ie/savings/provider/bankinter
- Bank of Ireland: https://www.smartsaver.ie/savings/provider/bank-of-ireland
- PTSB: https://www.smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://www.smartsaver.ie/savings/provider/state-savings
- Raisin: https://www.smartsaver.ie/savings/provider/raisin
- N26: https://www.smartsaver.ie/savings/provider/n26
- Trade Republic: https://www.smartsaver.ie/savings/provider/trade-republic
- MoCo: https://www.smartsaver.ie/savings/provider/moco
- Klarna: https://www.smartsaver.ie/savings/provider/klarna
- Monzo: https://www.smartsaver.ie/savings/provider/monzo
- Revolut: https://www.smartsaver.ie/savings/provider/revolut
More Information
- Compare all savings accounts: https://www.smartsaver.ie/savings
- Bunq website: https://www.bunq.com/