Hey bunqers 🌈,

You always get one of the best interest rates on the market when you’re saving with bunq. 

🚀 Your MassInterest rates went up on October 15, 2026 at 09:30 CEST. Bonus Interest is now 3.11% up from 3.01%. Starting Interest is now 1.61% on savings below your threshold and up to €10,000. Base Interest stays at 1.51% on savings below your threshold and above €10,000.

Personal accounts 

What interest do I get on my EUR savings accounts?

Your interest rate depends on your personal threshold, which is the highest balance you held in your Savings Accounts during the previous half of the year. It’s recalculated twice a year on:

• January 1 (00:00 UTC): based on your highest balance from July 1 to December 31

• July 1 (00:00 UTC): based on your highest balance from January 1 to June 30

 You get the following interest on: 

• 3.11% (Bonus Interest) on savings above your threshold. The Bonus rate is designed to reward you for growing your savings, so every euro you add above your highest balance earns the highest rate. 

• 1.61% (Starting Interest) on your first €10,000 up to your threshold. If your threshold is lower than €10,000, everything above it earns the Bonus Rate.

• 1.51% (Base Interest) on any savings above €10,000 up to your threshold. If your threshold is €10,000 or less, all your savings up to your threshold earn the higher Starting Interest instead.

Example: You have €22,000 saved and a €15,000 threshold. €10,000 earns 1.61%, €5,000 earns 1.51%, and €7,000 earns 3.11%. Whereas if your threshold is €0 because you just started saving, all your savings earn bonus interest of 3.11% until your first threshold calculation.

*The Starting Interest, Base Interest, and Bonus Interest are variable and are subject to change. 

What’s the Starting Interest?

The starting interest is 1.61% on savings below your personal threshold and up to €10,000. We introduced it on October 15, 2026, to give you more interest on your savings below your threshold. Here’s how it works for you:

• If your threshold is €10,000 or less, all your savings up to your threshold now earn 1.61%.

• If your threshold is above €10,000, your first €10,000 earns 1.61%, and the rest up to your threshold earns 1.51%.

• If you don’t have a threshold yet, all your savings earn the Bonus Rate of 3.11% until your first threshold is set.

I’m new to saving with bunq. What rate do I get?

When you join bunq, you don’t have a threshold yet, so you get the bonus rate of 3.11% on all your EUR savings up to €100,000. Once your first personal threshold is set on either January 1 or July 1, you get the bonus rate on all savings above your threshold. 

Where can I find my threshold?

To see your threshold:

1. Open your Savings Tab

2. Tap Expected interest earnings

3. Find it under Savings threshold

And you can always ask us in your Support chat — Finn is there to help answer any questions you have about your interest rate. 

What interest do I get on my foreign currency savings?

You get an annual variable interest rate of: 

• 🇹🇷 TRY, Turkish lira: 30.01%

• 🇿🇦 ZAR, South African rand: 4.03%

• 🇵🇱 PLN, Polish złoty: 4.01%

• 🇦🇺 AUD, Australian dollar: 3.56%

• 🇬🇧 GBP, British pound: 3.51%

• 🇺🇸 USD, US dollar: 3.51%

• 🇳🇴 NOK, Norwegian krone: 3.32%

• 🇦🇪 AED, United Arab Emirates dirham: 2.02%

*Foreign Currency Interest rates are variable and are subject to change.

Learn more about Foreign Currency Savings Accounts.

Business accounts

What interest rate do I get on my EUR Business savings?

All Business Savings Accounts get an annual variable rate of 0.75%*

*The business interest rate is variable and is subject to change.

What interest rate do I get on my Foreign Currency Business savings?

Annual variable rates of: 

• 🇹🇷 TRY, Turkish lira: 22.93%

• 🇿🇦 ZAR, South African rand: 3.08%

• 🇵🇱 PLN, Polish złoty: 3.06%

• 🇦🇺 AUD, Australian dollar: 2.72%

• 🇬🇧 GBP, British pound: 2.53%

• 🇳🇴 NOK, Norwegian krone: 2.53%

• 🇺🇸 USD, US dollar: 2.53%

• 🇦🇪 AED, United Arab Emirates dirham: 1.54%

*Foreign Currency Interest rates are variable and are subject to change.

Why don’t I see the new rates yet?

You benefit from the new interest rates from 9:30 CEST on October 15, 2026, even if you don’t see them in your app yet. This is simply because older versions of the app don’t show them.

To see your new rates, update your bunq app to latest version in your App Store or Google Play 🏃