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bunq Savings for Expats in Germany

The Tagesgeldkonto by bunq offers a top interest rate of 3.01%, and is available to eligible residents in Germany.

Written by Christian - German Expat Banking & Connectivity Expert
Last update: August 21, 2026Last data check: September 11, 2026

bunq Savings at a Glance

Account type	Tagesgeld / flexible savings
Promotional rate	Not available
Balance for promotional rate	Unlimited
Ongoing rate	3.01%
Interest Payout	Annually
Balance for regular interest	€0 - 100000
Deposit protection	the Netherlands (up to €100,000 per customer)

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How Much Interest Can You Earn with the bunq Savings?

Enter your savings amount and planned savings period to estimate how much interest you could earn with this account:

bunq
Savings

€ 150.50
est. interest

3.01%

annual percentage yield

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How we keep this information accurate

How Can I Manage the bunq Savings?

The bunq "Savings" is managed primarily through the mobile app (available for iOS and Android), and a desktop web portal is also available. Within the app, you can view balances, move funds between your accounts, create multiple sub-savings accounts, or create virtual debit cards. Regular digital statements and push notifications keep you informed of your account activity.

Customer support is available via in-app chat and email. bunq offers broad customer support and digital applications in various languages, including English, German, Dutch, French, Italian, and Spanish.

How Can I Open the bunq Savings?

To open the bunq "Savings", start the process in the bunq mobile app; the QR code or link is available on the website. Applicants must reside in a supported European country (the European Union or the European Economic Area) and be at least 18 years old. However, parents or guardians can open accounts for their minor children.

The onboarding process involves entering personal information and completing identity verification. This is done by uploading a photo of your valid ID or passport and a video with your face recorded through the mobile app. Once your identity is confirmed and compliance checks are completed, your bunq flexible savings account is activated and ready for use. A separate reference account is not required. Read our bunq Free review for details and to learn how to keep the membership free of charge permanently.

Good to Know

Not sure if this account is right for you? Compare current Tagesgeld rates and estimated returns across available accounts in Germany.

Compare Tagesgeld Accounts

About bunq
Founded in 2012, bunq is a Netherlands-based neo-bank operating throughout the EU. It considers itself a pioneer in sustainable banking, allowing customers to choose where and how their money is invested.
In addition to standard day-to-day banking and payments, bunq offers savings features - including dedicated savings accounts that let users set aside money, earn interest, and manage funds directly through the bunq mobile app. Its platform is designed for people who prefer fully digital banking without traditional branch networks.
bunq Deposit Protection

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About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

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This content is for general information only and does not constitute personalized financial advice or a recommendation to use any particular product or provider. Product features, rates, fees, eligibility requirements, and terms can change. Please conduct your own research and seek independent professional advice where appropriate. Always verify the current terms with the provider before purchasing a service or opening an account.