Can you explain how this works exactly. I went on their help and am no wiser. Very confusing!Might be a good time to remind people that the Bunq rate changes post 31 December 2024 depending on your circumstances. So now/1 January might be the time for action.
If you had a low balance from 1 July 2024 to 31 December 2024 - You might want to consider putting money into your Bunq account on/after 1 January 2025 to get a 3.36% rate until 30 June 2025 on any amount above your highest balance from 1 July 2024 to 31 December 2024.
If you had a high balance from 1 July 2024 to 31 December 2024 - You might want to consider withdrawing your money before 31 December 2024 because you will get the lower rate applied to your highest balance from 1 July 2024 to 31 December 2024.
You can game the system with the complex Bunq old/new money rates if you take action before/after the end of each 6 month period. But you have to be careful and know the rules. You obviously game it by keeping a low balance for the full six month period and changing to a high balance after the end of the 6 month period and so forth.
Of course, Bunq could change their rates again soon given that they did not make changes after the last ECB cut.