{
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  "sourcesContent": ["import{jsx as e,jsxs as n}from\"react/jsx-runtime\";import{Link as o}from\"framer\";import{motion as t}from\"framer-motion\";import*as a from\"react\";export const richText=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"From staycations in a beautiful spa resort, to a weekend trip or a month away exploring South-East Asia, we all want to take it all in without thinking about anything else.\"}),/*#__PURE__*/e(\"p\",{children:\"We can\u2019t guarantee that nothing unexpected will happen (part of the experience, right?), but we do have some features that will save you time when using bunq on your holiday.\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Pay like a local with AutoCurrency\"}),/*#__PURE__*/e(\"p\",{children:\"Travelling to a place with a different currency than the one at home? No worries, you can always pay like a local. Keep money in the currencies you'll use and automatically pay in the local tender wherever you go.\"}),/*#__PURE__*/e(\"p\",{children:\"In your bunq app, you can open a Local Currency Bank Account (we\u2019ve got 15 currencies available already!). If you have this and you travel to a country which uses that currency, your bunq card will automatically use your Local Currency Bank Account for payments. Traveling in UK? Your bunq cards will automatically get money from your GBP Bank Account. This doesn\u2019t just save you time (goodbye, currency exchange shops) but also saves you money. The bunq app always uses the real currency exchange rate, so you don\u2019t have to worry about extra fees.\"}),/*#__PURE__*/e(\"h2\",{children:\"2. The best spots, reviewed by your friends\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve recently improved the Friends tab and it now saves you more time when travelling abroad or on an adventure. If you\u2019re short on time, or just like to be sure that your dinner spot is a good choice, simply check the map in your favorite banking app. Here you\u2019ll find reviews from your friends who visited these places before, so you know you can trust them. These aren\u2019t for everyone to see - so it\u2019s just between you and them. If you\u2019d like to also help others find the best hot-spots in town in no time, leave a comment about your experience too. The more, the merrier.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Activities for you and your friends\"}),/*#__PURE__*/e(\"p\",{children:\"With Activities, you can keep track of who paid out throughout your holiday by automatically adding card payments to a common pot. At the end of the trip, you just settle it with one tap. Based on your feedback, we realized that this wasn\u2019t always easy to do with friends that aren\u2019t bunq users yet - so we\u2019ve improved that bit.\"}),/*#__PURE__*/e(\"p\",{children:\"When you start an Activity, you can invite all your friends to participate. Those who aren\u2019t using bunq will get an invite to download the app and use it for free while this Activity is running. They\u2019ll be able to see the payments overview and add their own expenses, saving time for everyone. No more individual split receipts!\"}),/*#__PURE__*/n(\"p\",{children:[\"And if they loved the experience\u2026you can remind them that they can \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"check out all the benefits of bunq for free for a month\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Enjoy your holiday, worry-free.\"})]});export const richText1=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"When you have a \",/*#__PURE__*/e(o,{href:{webPageId:\"sxRFThGQm\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq business account\"})}),\", you can install certain add-ons within the app. These will help you run your business smoother and save you time. We\u2019ve partnered with a couple of brands that build different products, so you\u2019re assured to find a fit for your business. Let\u2019s have a look!\"]}),/*#__PURE__*/e(\"h2\",{children:\"1) Zapier\"}),/*#__PURE__*/e(\"p\",{children:\"You can easily save time by integrating with Zapier. This add-on basically connects your finances to your favorite apps. It\u2019s the perfect way to let your account run seamlessly, all by itself!\"}),/*#__PURE__*/e(\"p\",{children:\"You could get a real-time spreadsheet of your expenses, so you don\u2019t need to manually export bank statements. Your finance department can follow your expenses in real-time on Google Sheets or Excel.\"}),/*#__PURE__*/e(\"p\",{children:\"You never have to worry about your balance. If it drops below a chosen amount, an email or Slack message with the text of your choice will be triggered, so you\u2019re always in the loop.\"}),/*#__PURE__*/e(\"p\",{children:\"Keeping track of your employees' accounts is also a breeze. Follow your employees' purchases by logging their card transactions to a spreadsheet and sharing it with your finance department. Pretty hassle-free, isn\u2019t it?\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/24343\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"There are more cool things you can do with Zapier. Learn all about it here.\"})})}),/*#__PURE__*/e(\"h2\",{children:\"2) Dyme\"}),/*#__PURE__*/e(\"p\",{children:\"Dyme filters your bank transactions and imports the stuff that really matters. Your monthly income and expenses are labeled and displayed in clear overviews, so you know exactly what comes in and what goes out. It also gives you smart ways to save on your subscriptions and recurring costs, so you can invest that money in your business instead. Or a well deserved break!\"}),/*#__PURE__*/e(\"h2\",{children:\"3) MoneyMonk\"}),/*#__PURE__*/e(\"p\",{children:\"MoneyMonk manages bookkeeping online for freelancers, so you don\u2019t have to. Think of invoices, VAT returns, connecting the app with your accountant or even getting personal startup advice! It suits anyone, from IT professionals to designers or healthcare professionals. They focus on freelancers only, so you can get the best care out there, that\u2019s literally built for you.\"}),/*#__PURE__*/e(\"p\",{children:\"Here\u2019s what our CEO, Ali, had to say about the MoneyMonk proposition: \u201CFor an entrepreneur, having an accurate, real time overview of your finances means it's easy to make well informed decisions, even during weekends and holidays.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve been partners since 2017, so you can find MoneyMonk in your add-ons section in the bunq app.\"}),/*#__PURE__*/e(\"p\",{children:\"You can find these and many more cool add-ons in your bunq app.\"}),/*#__PURE__*/n(\"p\",{children:[\"Want to learn more about bookkeeping with bunq? \",/*#__PURE__*/e(o,{href:{webPageId:\"sxRFThGQm\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Check out our full page on it here\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Have a look! They can all help you run your business smoother, saving you time, money or both!\"}),/*#__PURE__*/n(\"p\",{children:[\"Are you an entrepreneur or freelancer in need of a business bank account? We\u2019ve got you covered. \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Sign up in just 5 minutes.\"})})]})]});export const richText2=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Why Most Credit Card Companies Want You to Have a Strong Credit History\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit history to a credit card company is like your resume to a prospective employer. It provides an overall impression of how well you handle financial responsibility.\"}),/*#__PURE__*/n(\"p\",{children:[\"Traditional credit card companies place a lot of faith in your \",/*#__PURE__*/e(o,{href:\"https://www.rethinkingdebt.org/resources/learn-more/credit-and-budgeting/your-credit-score\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"credit report\"})}),\". They want to see how long you've been using credit cards and how much debt you typically carry month after month. They also want to see if creditors have had to wait past the monthly deadline to receive their payments. In extreme cases, they look for any legal actions taken to recover debts.\"]}),/*#__PURE__*/e(\"p\",{children:\"When a credit card company looks at your credit report, they can determine if you are a good or bad customer.\"}),/*#__PURE__*/e(\"h2\",{children:\"How Some Companies Avoid Using a Credit Check\"}),/*#__PURE__*/e(\"p\",{children:\"There's more to your financial history than your credit score. For example, the status of your bank account plays a significant role.\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit background may not be stellar due to some unfortunate incidents. However, if you have maintained a longstanding practice of saving a certain amount of your paycheck each week, you may have increased your bank balance significantly over time.\"}),/*#__PURE__*/e(\"p\",{children:\"Would it not be great if credit card companies would consider your bank account? Fortunately, there are such card companies.\"}),/*#__PURE__*/e(\"h3\",{children:\"Cards Linked to Secured Bank Accounts\"}),/*#__PURE__*/e(\"p\",{children:\"Secured credit card accounts could be your answer. They work relatively simply:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"When you make a purchase, the card draws funds from your bank account.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The amount you have available for spending is the amount in your bank balance. For instance, if you have $250 in your account, you can spend $250 with your card at the cash register.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You can never go into debt or overspend.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Most companies offer instant approval.\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"The bunq Credit Card\"}),/*#__PURE__*/n(\"p\",{children:[\"An excellent example of a free credit card secured by your bank account is \",/*#__PURE__*/e(o,{href:{webPageId:\"RAcKLSXrV\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"our bunq Credit Card\"})}),\". You can conduct transactions with any merchant that accepts credit cards.\"]}),/*#__PURE__*/n(\"p\",{children:[\"You'll appreciate our bunq Credit Card if you have ever tried to \",/*#__PURE__*/e(o,{href:\"https://consumerist.com/2010/09/13/why-wont-rental-car-companies-let-me-use-my-debit-card/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"rent a car\"})}),\" using your debit card. Even hotels routinely reject debit cards because they want the safety that comes with credit cards.\"]}),/*#__PURE__*/e(\"p\",{children:\"If you do major damage to their car or suite, they can only initially recover as much money as you have in your bank account. But with a credit card, the car agency or hotel can pursue greater compensation.\"}),/*#__PURE__*/e(\"p\",{children:\"Rental agencies and hotels want a deposit, which is a simple matter with our bunq Credit Card. The funds in your bank account go toward the deposit. This is similar to using a debit card for a deposit, but you're now using a credit card accepted worldwide, so the rental agency or hotel has no problem with it.\"}),/*#__PURE__*/e(\"h2\",{children:\"Order Your Credit Card with No Credit Check Today\"}),/*#__PURE__*/n(\"p\",{children:[\"Gain financial freedom by requesting our bunq Credit Card, and start booking your next holiday hassle-free! \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Order your bunq Credit Card\"})}),\" with no credit check and get instant approval today. It only takes 5 minutes!\"]}),/*#__PURE__*/e(\"p\",{children:\"In addition to providing a solution for those who want to avoid the hassle of credit checks, bunq also offers various features that make it an attractive option for all users:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"No hidden fees\"}),\": With clear and transparent pricing, you'll never have to worry about surprise charges. In other words, bunq gives you all the benefits of a true credit card, for free, without the risk of going into debt.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Use it instantly\"}),\": You can get our bunq Credit Card in just 5 minutes. Simply download the bunq app and follow the steps. Once you've signed up for a bunq account, you can instantly add your free credit card to \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"apple-pay\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"oKFZVLUJf\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Apple Pay or Google Pay\"})}),\", so you can make easy payments with your phone everywhere you go.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real-time notifications\"}),\": Stay on top of your spending with instant notifications for every transaction made.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Download our app now and experience the future of banking!\"})]});export const richText3=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Having a Dutch bank account can save you time and give you easy access to your finances.\"}),/*#__PURE__*/e(\"p\",{children:\"The process of opening a bank account does not need to be stressful. Non-residents are eligible for a Dutch bank account if they\u2019re moving there for work or study. With the right knowledge, it\u2019s actually quite a straightforward process.\"}),/*#__PURE__*/e(\"p\",{children:\"Are you ready to start banking in the Netherlands? In this step-by-step guide, you\u2019ll find everything you need to know to open a bank account in person or online.\"}),/*#__PURE__*/e(\"h2\",{children:\"Who is eligible for a Dutch bank account?\"}),/*#__PURE__*/n(\"p\",{children:[\"Foreigners moving to the Netherlands can open a bank account. There are \",/*#__PURE__*/e(o,{href:\"https://thebanks.eu/banks-by-country/Netherlands\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"96 national and international banks\"})}),\" to choose from. Expats living and working in the Netherlands will need to open a Dutch bank account to receive their salary, pay bills, and buy groceries.\"]}),/*#__PURE__*/e(\"p\",{children:\"You can open a Dutch bank account if you:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Are over the age of 18\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Own a Dutch ID or international passport\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Have proof of address\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Some banks will ask for your unique personal citizen service number or burger service number (BSN). European citizens do not need to provide this information. Many banks in the Netherlands offer international bank accounts that you can apply for online.\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re going for a traditional bank, take your payslips and employment contract along with you to meet your bank manager just in case they need additional information or proof of income.\"}),/*#__PURE__*/e(\"h2\",{children:\"How much does a Dutch bank account cost?\"}),/*#__PURE__*/n(\"p\",{children:[\"The average cost of a standard checking account has \",/*#__PURE__*/e(o,{href:\"https://nltimes.nl/2022/02/21/bank-account-fees-soar-42-percent-5-years\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"increased by 42%\"})}),\" in the past 5 years. Depending on the type of account you need, a Dutch bank account can cost anywhere between \u20AC2 and \u20AC30 each month. The monthly charge will vary based on the bank account package you select.\"]}),/*#__PURE__*/e(\"h2\",{children:\"What is included with my Dutch bank account?\"}),/*#__PURE__*/e(\"p\",{children:\"Basic services are usually included in your bank account free of charge. This includes deposits, withdrawals, and a Maestro card (the most common method of payment in the Netherlands). Some banks may offer a Mastercard or Visa debit card as an alternative that is useful for cash withdrawals at an ATM, minus the fees.\"}),/*#__PURE__*/e(\"p\",{children:\"So, which type of Dutch bank account is best for you? Whether you\u2019re an expat or a Dutch resident, there are a multitude of options that will save you money and stress. Take plenty of time to research each bank to make sure you choose the best account for your needs.\"}),/*#__PURE__*/e(\"h2\",{children:\"Checking accounts\"}),/*#__PURE__*/e(\"p\",{children:\"If you want to open a standard bank account, then you need to look at banks that offer checking accounts (betaalrekening). These accounts give you the ability to deposit and withdraw money along with online banking services. You can move money from this account to other Single Euro Payment Accounts (SEPA) by using your International Bank Account Number (IBAN).\"}),/*#__PURE__*/e(\"h2\",{children:\"Savings accounts\"}),/*#__PURE__*/e(\"p\",{children:\"Dutch savings accounts vary from long-term investment accounts to instant access savers. Long-term accounts are excellent for putting money aside for holidays or a retirement fund. Ask your bank about what savings accounts are available to you.\"}),/*#__PURE__*/e(\"h2\",{children:\"Dutch online bank accounts\"}),/*#__PURE__*/n(\"p\",{children:[\"Online bank accounts are easy to open and operate compared to in-person banking. They require less information to set up, with little or no monthly fees. The simple process of \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"how-to-open-a-bank-account-in-the-netherlands\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"h3MeTdHuo\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"opening an online bank account\"})}),\" includes:\"]}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Provide personal details (email, address etc.)\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Choose an online banking plan\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Prove your identity\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Receive your card in the post\"})})]}),/*#__PURE__*/e(\"p\",{children:\"There are lots of reputable digital banks that offer excellent bank account services to Dutch residents and expats. A lot of traditional banks will also let you open an account online. All you have to do is provide the correct documentation and verify your identity.\"}),/*#__PURE__*/e(\"p\",{children:\"Parents of Dutch children can open an account on their behalf online. Joint accounts are also available from many banks in the Netherlands.\"}),/*#__PURE__*/e(\"h2\",{children:\"Opening a Dutch bank account in person\"}),/*#__PURE__*/e(\"p\",{children:\"Each bank has its own set of requirements and procedures that you must go through before opening an account with them. Opening a bank account can take anywhere from a few minutes to several days. The process can be tricky if you do not speak English, so try to choose a bank that can communicate in your language if your Dutch is limited.\"}),/*#__PURE__*/e(\"p\",{children:\"The process for opening a bank account in person includes:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Making an appointment with the bank\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Provide requested documentation and ID\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Receive account details and PIN in the post\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Activate your account\"})})]}),/*#__PURE__*/n(\"p\",{children:[\"The bank may check your credit rating with the \",/*#__PURE__*/e(o,{href:\"https://www.bkr.nl/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Central Credit Registration Office (BKR)\"})}),\" before you open a new account. There are lots of options to choose from if you are refused a Dutch bank account in person.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Open a bank account in the Netherlands\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you know how to open a bank account in the Netherlands, you can access your finances with ease. Most Dutch bank accounts are quick and easy to set up with no initial charge. Once you have applied, you can sit back and relax while you wait for your new cards to arrive in the mail.\"}),/*#__PURE__*/n(\"p\",{children:[\"Do you want to manage your money with a bank you can trust? Discover a new way to handle your finances and break free from traditional banking. \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Get a bank account in just 5 minutes and start your 30-day free trial with bunq today!\"})})]})]});export const richText4=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"1. First things first - a bank account in just 5 minutes\"}),/*#__PURE__*/e(\"p\",{children:\"When you live or work abroad, there\u2019s something you need right away: a bank account. This, however, can be tricky. Do you have an address in that country already? Do you have a social security number yet? If not, most banks won\u2019t open an account for you, and the process can take ages.\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq gives you a full bank account in just 5 minutes\"})}),\", and it\u2019s free for a month. You just need your ID and phone. Best part? We won\u2019t ask about a social security number right away, we know these things take time. Feel free to give us this information throughout the next 90 days.\"]}),/*#__PURE__*/e(\"h2\",{children:\"2. Getting paid like a local\"}),/*#__PURE__*/n(\"p\",{children:[\"Anyone working abroad - physically or digitally - is probably familiar with this issue. When it\u2019s time to get paid for your beautiful efforts, your bank account\u2019s IBAN doesn\u2019t seem local, and your employer or client may not like that. \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"what-is-an-iban-and-why-do-you-need-one\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"fGjk0ErOq\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Local IBANs solve this problem\"})}),\" - you can easily pay, receive and hold money with IBANs from multiple European countries, all from one app.\"]}),/*#__PURE__*/e(\"p\",{children:\"For example, you can have a Dutch IBAN, a German one and a Spanish one, all within bunq. Simply send the details of the Local IBAN that matches the country you currently work in.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Juggling multiple Local Currencies\"}),/*#__PURE__*/n(\"p\",{children:[\"Working or living abroad also means that you may have payments in different currencies. If you\u2019re from the US and working in France, you\u2019ll probably need both Dollars and Euros. With Local Currencies, you don\u2019t need a separate bank account for each currency you use. You can easily convert between different currencies, and you don't have to worry about crazy exchange rates. \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"foreign-currencies\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"UcEJ9Y8MT\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Click here for a full list of the available currencies in your bunq app\"})}),\".\"]}),/*#__PURE__*/n(\"p\",{children:[\"Got more tips for making working abroad easier? \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/t/ideas\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Share them with us here\"})}),\".\"]})]});export const richText5=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Well, first of all, there\u2019s one thing that applies to absolutely everyone in the company, no matter what role they have: everything we do, we do for our users. From launching a new feature to A/B testing emails or the color of a button, it\u2019s all to make life easy for the users.\"}),/*#__PURE__*/e(\"p\",{children:\"But how exactly do we make sure that everyone\u2019s aligned with the ultimate goal, when we have so many different people, dozens of nationalities and ways of working? Well, we\u2019ve got our ways! Here are some core principles that make bunq a unique place:\"}),/*#__PURE__*/e(\"h2\",{children:\"Data-driven\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq, every project or crazy idea starts with a proposal. Many times, this can literally be a dream you\u2019ve had last night - nothing wrong with that! As long as you\u2019ve got some data to back it up. Now when we say data, this rarely means a website you\u2019ve found that says this is a good idea. Trust me, I\u2019ve tried that one.\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019re looking for data that this is a good idea for our users. What could work for other apps, or other banks, may not work for us - because it simply doesn\u2019t solve a problem for our own users.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, a while ago we learnt that our users enjoy getting insights on their monthly activity with bunq. That\u2019s why now we send monthly newsletters that remind you how much money, time and CO2 you saved each month.\"}),/*#__PURE__*/e(\"p\",{children:\"As a bunqer, you have the opportunity to solve interesting problems for our users pretty much every day. For that, you just need to know what the issue is - what they\u2019re looking for, what they\u2019re missing, what they love. We have a whole team that tirelessly researches their needs: from phone calls, to surveys or social listening, they\u2019re on top of things. Don\u2019t be afraid to ask them for the data you need to kick off your own project. Once you\u2019ve got that covered, it\u2019s up to your beautiful mind to come up with solutions that are best-in-class and truly make a difference.\"}),/*#__PURE__*/e(\"h2\",{children:\"Effective communication\"}),/*#__PURE__*/e(\"p\",{children:\"bunq is growing every single day. We\u2019re always on the lookout for the best talent out there, and we\u2019re lucky to already have hundreds of great people working in our offices or from their homes. We\u2019ve got many nationalities, many cultural backgrounds, and many different ways of saying we\u2019re working on something or even what date it is today.\"}),/*#__PURE__*/n(\"p\",{children:[\"That\u2019s why effective communication is one of the most sacred things around here. We\u2019ve laid down some ground rules to make sure that no matter how different we are, we all understand each other. For example, any past or present bunqer will know what \u201Cack\u201D means. We use this to let the other person know that we\u2019ve acknowledged their email, message, assignment or question. To know they\u2019ve been listened to and we\u2019re now aware of it. We also use what we call \",/*#__PURE__*/e(\"em\",{children:\"Robospeak\"}),\" - yeah, we kinda speak like robots sometimes. Instead of saying that the next bunq Update is on Wednesday (which Wednesday?!), we\u2019d say 20220615 1800 - just an example, don\u2019t get too excited.\"]}),/*#__PURE__*/e(\"p\",{children:\"Effective communication will help you easily talk to other teams, save time (hello, fewer meetings!) and will definitely save you some frustration.\"}),/*#__PURE__*/e(\"h2\",{children:\"Ownership\"}),/*#__PURE__*/e(\"p\",{children:\"To make sure that we always know who\u2019s in charge of what and who\u2019s responsible for success (or mistakes, it happens), everyone has ownerships. From step 1 (the data based proposal), until the launch, you\u2019re in charge of your own projects. You\u2019re an expert on the matter and the source of truth when it comes to your ownership. For example, I\u2019m in charge of this blog post and every other blog post you read here. Does that mean I just write stuff and post them as I please?\"}),/*#__PURE__*/e(\"p\",{children:\"Not really. I have a process for what I should write, how I know what you want to read and how do I measure what \u201Cgood\u201D means. Similarly, every bunqer has processes for their ownerships, because it ensures that everyone does it the same way, which increases the chances of consistency across everything we do - internally or externally.\"}),/*#__PURE__*/e(\"p\",{children:\"I also write stuff based on data (yes, yes\u2026again), and I get my posts checked by someone else. We call this \u201Cthe 4-eye\u201D. It means that anything one does, (at least) someone else should check. There\u2019ll always be something that you didn\u2019t see. Maybe not a mistake, but a potential small improvement. Maybe just a better way to say, or code something. Your 4-eye partner can be your manager or just a teammate - as long as nothing goes out without 2 people \u201Chaving a look\u201D.\"}),/*#__PURE__*/e(\"p\",{children:\"At the end of the day, having an ownership is a very measurable, precise way for you to make a difference. Whatever yours is, you focus on it every day and make sure it contributes to our users\u2019 happiness.\"}),/*#__PURE__*/e(\"p\",{children:\"These are the 3 core principles that make bunq the place it is and the place we love.\"}),/*#__PURE__*/e(\"h2\",{children:\"Sounds interesting?\"}),/*#__PURE__*/n(\"p\",{children:[\"Have a look at \",/*#__PURE__*/e(o,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"our jobs page\"})}),\". You may find something that\u2019s just right for you.\"]})]});export const richText6=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Yes and no. bunq makes it pretty effortless to save money, but in order to succeed, you first need to know where your money\u2019s going. This may seem obvious, but a lot of times when we take a deep dive into our spending habits, we realize that we spend more than we\u2019d like on\u20265 subscriptions for streaming platforms, for example.\"}),/*#__PURE__*/n(\"p\",{children:[\"To start saving more money,\",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"insights\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"EvsNLxIQ4\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\" check out the Insights\"})}),\" in your bunq app. \"]}),/*#__PURE__*/e(\"h2\",{children:\"Here\u2019s how this works\"}),/*#__PURE__*/e(\"p\",{children:\"On your Home screen, you\u2019ll see a bubble that says Insights. Here, you\u2019ll find a couple of categories. bunq already automatically assigns your payments to their own category, but you can always switch these around. For example, if you find a payment classified as \u201CGeneral\u201D but it rather belongs in \u201CTravel\u201D, you can manually move it for a better overview.\"}),/*#__PURE__*/e(\"p\",{children:\"There\u2019s another way to categorize your payments. When you click on any payment from a Bank Account, you\u2019ll see the category it\u2019s assigned to under the amount you paid. You can click on this category and re-assign it. At the bottom of the screen, there\u2019s also an option to automatically categorize all future similar payments to that category - so you don\u2019t have to do it more than once!\"}),/*#__PURE__*/e(\"p\",{children:\"You can get Insights on a weekly or yearly basis, just change the dates to what fits your needs best. If you don\u2019t want to include all your Bank Accounts in the overview, this is easy to manage from the \u2699\uFE0F icon. \"}),/*#__PURE__*/n(\"p\",{children:[\"Once you know where your money\u2019s going, it will be much easier to decide where to cut back and add to your savings instead. Keep checking those Insights, and \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"savings-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"SEW0QFdCy\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"your Savings Goals will be achieved in no time\"})}),\"!\"]}),/*#__PURE__*/e(\"h2\",{children:\"Excited to take a deep dive into your spending habits? \"}),/*#__PURE__*/n(\"p\",{children:[\"Get started today. And if you\u2019re not a bunqer yet but this feature sounds pretty cool\u2026\",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"sign up. It only takes 5 minutes and it\u2019s free for a month.\"})}),\" \"]})]});export const richText7=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"Did you know that in 2021, tax revenue accounted for \",/*#__PURE__*/e(o,{href:\"https://ec.europa.eu/eurostat/documents/2995521/11469100/2-29102020-BP-EN.pdf/059a7672-ed6d-f12c-2b0e-10ab4b34ed07\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"over 41%\"})}),\" of the total GDP in the entire European Union? Whether you're a business owner or consumer, it's important to understand how Value-Added Tax, or VAT, works.\"]}),/*#__PURE__*/e(\"p\",{children:\"This tax is something that everyone in Europe (and a total of 170 countries around the world) has to deal with, and there are a lot of questions surrounding it. What is VAT? How does it work? What are the benefits and drawbacks?\"}),/*#__PURE__*/n(\"p\",{children:[\"In this comprehensive guide, we'll answer all of your questions and help you understand VAT better. Then, we'll provide you with a nifty \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"auto-vat\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"PSAU9qBlU\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"AutoVAT tool\"})}),\" to help you calculate VAT correctly.\"]}),/*#__PURE__*/e(\"h2\",{children:\"What Is VAT?\"}),/*#__PURE__*/e(\"p\",{children:\"Looking for a VAT definition? VAT stands for value-added tax. It's a tax imposed on the sale of goods and services. The tax is added to the price of the product or service, and the consumer pays the VAT when they purchase the item.\"}),/*#__PURE__*/e(\"p\",{children:\"VAT is a consumption tax, meaning that it is ultimately paid by the consumer. However, it's the responsibility of businesses to collect the tax and send the money to the government.\"}),/*#__PURE__*/e(\"p\",{children:\"This means that if you're a solo entrepreneur or freelancer working in a country that has value-added tax then you'll need to also consider this so you can ensure you're collecting it properly.\"}),/*#__PURE__*/e(\"p\",{children:\"Overall, VAT rates can vary depending on the country, but are typically around 20%. For example, each country in the European Union sets its VAT rate, but it can't be less than 15%.\"}),/*#__PURE__*/e(\"p\",{children:\"While VAT can be a complex tax, it ultimately provides revenue for governments and helps to fund public services.\"}),/*#__PURE__*/e(\"h2\",{children:\"How Does VAT Work?\"}),/*#__PURE__*/e(\"p\",{children:\"When you go to the store, you might not think about the value-added tax (VAT) that is included in the price of your purchase. But if you look at your receipt, the tax is likely listed there.\"}),/*#__PURE__*/e(\"p\",{children:\"As mentioned above, VAT is a type of consumption tax that is imposed on goods and services at each stage of the production process. In other words, it is a tax on the value that is added to a product or service at each step, from raw materials to the final retail sale.\"}),/*#__PURE__*/e(\"p\",{children:\"The amount of VAT that is paid is based on the value of the product, less any taxes that have already been paid on the materials used to make it.\"}),/*#__PURE__*/e(\"p\",{children:\"What about those who make and export products out of their own country? It ultimately depends.\"}),/*#__PURE__*/n(\"p\",{children:[\"In the EU, for example, you don't pay VAT on products you export out of the EU. Instead, you pay VAT (or sales tax in the US) to the country to which you're exporting. However, if you live in France and export a product to the Netherlands, for example, you'd pay \",/*#__PURE__*/e(o,{href:\"https://www.government.nl/topics/vat/vat-within-the-european-union-eu\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Netherlands VAT\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Basically, you pay VAT to the country wherever the final consumer will enjoy your goods. If you're offering services (let's say you're a freelancer in Germany), then you pay VAT in Germany regardless of where your clients are.\"}),/*#__PURE__*/e(\"h2\",{children:\"Who Pays VAT?\"}),/*#__PURE__*/e(\"p\",{children:\"The final consumer who buys the goods or services pays the VAT, and the businesses that collected the tax are responsible for remitting it to the government.\"}),/*#__PURE__*/e(\"p\",{children:\"So while consumers ultimately pay the VAT, it's your responsibility as the seller to ensure that the correct amount of VAT is collected. This means that, as a business owner or freelancer, you need to be mindful when creating your invoices for goods or services sold.\"}),/*#__PURE__*/e(\"p\",{children:\"This can be a bit of a hassle, but it is important to make sure that you are compliant with the law. Check out VAT rates and rules in your country of residence (or wherever you registered your business) to be sure you're collecting it correctly.\"}),/*#__PURE__*/e(\"h2\",{children:\"What Are the Different VAT Rates?\"}),/*#__PURE__*/e(\"p\",{children:\"The VAT rate can vary depending on the country, but it is typically a few percentage points. In the EU, it varies between about 15% to 30%.\"}),/*#__PURE__*/n(\"p\",{children:[\"While it's important to look at the value-added tax rate for your specific country, here are a few quick examples of VAT rates in three large \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"essential-bank-features-for-expats-in-europe\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"G9I2TRMC6\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"European countries\"})}),\".\"]}),/*#__PURE__*/e(\"h3\",{children:\"Germany\"}),/*#__PURE__*/e(\"p\",{children:\"In Germany, the standard VAT rate is 19%. However, that rate goes down to 7% for items such as books and food. Typically (as is the case in other EU countries), consumers can deduct VAT charges on their income taxes each year.\"}),/*#__PURE__*/e(\"h3\",{children:\"Netherlands\"}),/*#__PURE__*/e(\"p\",{children:\"The VAT rate in the Netherlands is slightly higher than in Germany, sitting currently at 21%. However, there is a reduced VAT rate of 9% and 0%.\"}),/*#__PURE__*/e(\"p\",{children:\"The 0% tax rate only applies to foreign entrepreneurs conducting business in countries outside of the Netherlands. The 9% tax rate is similar to Germany's reduced tax rate and applies to common goods such as books, magazines, food, and medicine.\"}),/*#__PURE__*/e(\"h3\",{children:\"France\"}),/*#__PURE__*/e(\"p\",{children:\"France's VAT rate sits directly between Germany's and the Netherlands' at 20%. However, similar to other EU countries, France reduces this tax rate to 10% for special goods.\"}),/*#__PURE__*/e(\"h2\",{children:\"How Do You Calculate VAT?\"}),/*#__PURE__*/e(\"p\",{children:\"In most countries, you calculate VAT as a percentage of the sale price. For example, if a product is sold for \u20AC100 and the VAT rate is 20%, the total price of the product would be \u20AC120 (\u20AC100 + \u20AC20).\"}),/*#__PURE__*/e(\"p\",{children:\"Remember, VAT is always calculated on the sale price before any other discounts or taxes are applied. Or, you could just use our AutoVAT tool to help you calculate VAT correctly.\"}),/*#__PURE__*/e(\"h2\",{children:\"Do You Need a European VAT Number?\"}),/*#__PURE__*/e(\"p\",{children:\"So, do you need a European VAT number if you're living and working in Europe? It depends. European VAT numbers are issued to businesses by the tax authorities in the European Union member state where the business is registered.\"}),/*#__PURE__*/e(\"p\",{children:\"The number is used to identify the business for value-added tax purposes. So, yes, if you have a business registered for VAT in an EU member state, you will need a European VAT number.\"}),/*#__PURE__*/e(\"p\",{children:\"You'll use this number on all invoices that you issue to customers in other EU member states.\"}),/*#__PURE__*/e(\"p\",{children:\"How do you get a European VAT number? You'll first need to register for VAT in your home country (wherever you're a legal resident). Once the application has been approved, you'll be issued a European VAT number that's valid in all EU member states.\"}),/*#__PURE__*/e(\"h2\",{children:\"Bank with bunq\"}),/*#__PURE__*/e(\"p\",{children:\"From understanding how VAT works to getting your IBAN and setting up payment transfers, there's a lot to know about doing business in Europe.\"}),/*#__PURE__*/e(\"p\",{children:\"With a bunq Business account, calculating your business\u2019 VAT has never been easier. The app automatically calculates the VAT on your incoming and outgoing payments, and adds it to a separate account so it\u2019s ready and waiting for you when it comes to sorting your books at the end of the year.\"}),/*#__PURE__*/e(\"p\",{children:\"However, you don't need to be a business owner or freelancer to benefit from banking with bunq. We believe that everyone should have the opportunity to bank like a local, no matter where they are in the world.\"}),/*#__PURE__*/e(\"p\",{children:\"That's why we've created a fully mobile banking app that allows you to create your account in just a few minutes, and then start spending, saving, budgeting, and investing effortlessly from your phone.\"}),/*#__PURE__*/n(\"p\",{children:[\"Ready to give it a try? \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Sign up\"})}),\" today.\"]})]});export const richText8=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"While tap-to-pay is a popular payment method, lots of people still prefer to make cash payments and keep an extra layer of security. This is more common in certain countries than in others.\"}),/*#__PURE__*/e(\"p\",{children:\"One of the best ways to do this is with Paysafecash; but what is it and how does it work?\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to making online purchases, there are many different payment methods and types of credit cards out there. The problem is that not everyone is aware of the latest payment options and how they can help.\"}),/*#__PURE__*/e(\"p\",{children:\"One of the payment options that\u2019s becoming more popular today is Paysafecash. If you\u2019d like to learn all about it, and even pick up some personal finance tips, then keep reading.\"}),/*#__PURE__*/e(\"h2\",{children:\"What\u2019s Paysafecash?\"}),/*#__PURE__*/e(\"p\",{children:\"Before we get into it, let\u2019s cover what it is first.\"}),/*#__PURE__*/e(\"p\",{children:\"Paysafecash is an online payment method that allows you to pay for various purchases and bills with cash. It\u2019s as simple as using an ATM and it covers a wide range of different payments including things like paying your invoices, repaying your loan installments, or even buying products.\"}),/*#__PURE__*/n(\"p\",{children:[\"This cash deposit method is unique \",/*#__PURE__*/e(o,{href:\"https://www.nbcnews.com/business/consumer/touchless-shopping-here-stay-what-cost-n1267263\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"because not many services\"})}),\" allow you to pay for items online with cash. It\u2019s also used by people in retail and even shop owners.\"]}),/*#__PURE__*/e(\"p\",{children:\"It has over 200,000 participating partner stores in over 30 countries.\"}),/*#__PURE__*/e(\"p\",{children:\"The advantage of Paysafecash is that customers don\u2019t need to worry about disclosing their personal information online, if it's worrying them. Instead, they can simply use this method by depositing cash in person.\"}),/*#__PURE__*/e(\"p\",{children:\"One other big benefit that Paysafecash offers you is the fact that you can make 24/7 cash payments. This means that anytime you find yourself needing to make a purchase or needing to pay a bill with cash, you can simply go to your local partnered store and do it.\"}),/*#__PURE__*/e(\"p\",{children:\"There are lots of stores to choose from, so there\u2019s a good chance that you\u2019ll have a location close to you.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does it work?\"}),/*#__PURE__*/e(\"p\",{children:\"A lot of people hear about Paysafecash and think that it\u2019s a complicated process that takes a lot of time. However, this is not the case, The process can be completed quickly.\"}),/*#__PURE__*/e(\"h2\",{children:\"Here\u2019s how to use it\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re a customer, then the first thing you need to do is to create a Paysafe account which we\u2019ll cover in more detail shortly.\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re receiving a payment, then all you have to do is select the Paysafecash icon on your sales terminal whenever someone is making a cash deposit. This can be found next to your Paysafecard icon.\"}),/*#__PURE__*/e(\"p\",{children:\"The next thing you need to do is scan the barcode that has been generated by your customer. This will then prompt you to enter the amount that the customer needs to pay you.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s important that you don\u2019t change the transaction amount because in most cases this will cause the transaction to fail. Once you know the transaction amount, then you need to ensure that you have received the correct cash amount from your customer before you confirm the transaction.\"}),/*#__PURE__*/e(\"p\",{children:\"After this, all you have to do is give the customer their receipt for the purchase they\u2019ve made, and the entire process is complete.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to deposit with Paysafecash through bunq?\"}),/*#__PURE__*/e(\"p\",{children:\"Depositing Paysafecash money through bunq is a quick and easy process.\"}),/*#__PURE__*/e(\"p\",{children:'To get started, all you have to do is go to the app bunq and choose the \"add money\" option. The first time you do this, we create a Paysafe account for you. If you have an account already, you can use the credentials to log in.'}),/*#__PURE__*/e(\"p\",{children:\"Once this is complete, you\u2019ll get your barcode, and you can add this to your phone or device through multiple different methods, including:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Downloading it as a PDF\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Adding it to your wallet\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Sending it as an SMS or email\"})})]}),/*#__PURE__*/e(\"p\",{children:\"After you\u2019ve received your barcode, you can go to any of the Paysafecash-supported stores and you can make a cash deposit using your barcode.\"}),/*#__PURE__*/e(\"p\",{children:\"If you have some trouble when depositing your money, then you can always ask at the counter for some assistance.\"}),/*#__PURE__*/e(\"p\",{children:\"The cash funds that you have deposited will then show up in your bunq account and you can use them for future payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Use bunq today \"}),/*#__PURE__*/n(\"p\",{children:[\"There are lots of amazing benefits that bunq offers you. Discover it for yourself with a free 30 day trial. All you have to do is \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"sign up in 5 mins\"})}),\".\"]})]});export const richText9=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Ever wonder how you can use your mobile bank account together when on a weekend trip, or a fun night out with friends? Read on!\"}),/*#__PURE__*/e(\"h2\",{children:\"Have fun worry-free with Activities\"}),/*#__PURE__*/n(\"p\",{children:[\"No need to calculate who paid for drinks on the first night and who paid for lunch later on. \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"split-payments\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"ESujG0iYF\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Simply start an activity\"})}),\" and automatically add all expenses to a shared pot. At the end, you can split it with one tap. You\u2019ll always know who paid for what, with zero math skills involved.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Explore new hot-spots with Places\"}),/*#__PURE__*/e(\"p\",{children:\"Tired of researching where to hang out next weekend, or on an upcoming trip? Rely on your friends\u2019 experiences! Use Places to find out where other bunqers have been and always enjoy the best hot spots in town.\"}),/*#__PURE__*/e(\"h2\",{children:\"Stay in touch with Inner Circle\"}),/*#__PURE__*/n(\"p\",{children:[\"You can easily find all your bunq friends in one place. \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/41424\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Add them to your Inner Circle\"})}),\" for automatically accepting payments from each other. Stay in touch and never lose sight of other bunqers.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Easily split receipts at the end of the night\"}),/*#__PURE__*/n(\"p\",{children:[\"Say goodbye to splitting receipts the old school way. \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"split-payments\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"ESujG0iYF\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"You can now just scan it and ask your friends to tap on their share\"})}),\". Once everyone selected their items, simply send them a payment link to instantly get paid back. It\u2019s that simple!\"]}),/*#__PURE__*/e(\"h2\",{children:\"Your sharable bunq.me link\"}),/*#__PURE__*/n(\"p\",{children:[\"Speaking of easily getting paid back\u2026you can always send \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"bunq-me\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"b6J8XewO4\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"your life-long, personalized bunq.me link\"})}),\" to your friends. You can use it to request a certain amount of money back, or you can send an open one, so your friends decide how much they pay you back. The choice is yours!\"]}),/*#__PURE__*/e(\"h2\",{children:\"Gift tree planting and become CO2 free together\"}),/*#__PURE__*/n(\"p\",{children:[\"Looking for a sustainable gift to give to your Bestie? How about sustainable banking? \",/*#__PURE__*/e(o,{motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"If you\u2019re an bunq Elite bunqer,\"})}),\" you can gift tree planting to one of your friends. This means they\u2019ll also be able to plant a tree for each \u20AC 100 spent with their cards, no matter what bunq plan they have.\"]}),/*#__PURE__*/e(\"p\",{children:\"Here you go\"}),/*#__PURE__*/e(\"p\",{children:\"6 fun ways to use bunq with your friends. Enjoy spending time together, without the hassle of money admin.\"}),/*#__PURE__*/n(\"p\",{children:[\"* Based on the average yearly carbon footprint of a European citizen and the average number of trees planted each year by an bunq Elite user. \",/*#__PURE__*/e(o,{href:{webPageId:\"kBszAFn5T\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Learn more here.\"})})]})]});export const richText10=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Let\u2019s have a look at how you can share bunq with your family!\"}),/*#__PURE__*/e(\"h2\",{children:\"1. bunq Pack\"}),/*#__PURE__*/n(\"p\",{children:[\"bunq more for less! If you want to bunq with your family (or even friends), start a Pack and share 4 bunq Core accounts or 3 bunq Core and 1 Business account for just \u20AC23,99. With this deal, each of you has their own, individual account - all the independence, for less money. You can also enjoy the deal with other bunq plans. \",/*#__PURE__*/e(o,{href:{webPageId:\"AOC54tjkx\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Learn more about Pack here\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"2. bunq Shared Access\"}),/*#__PURE__*/n(\"p\",{children:[\"Having some shared costs, but don\u2019t want to share your bank account completely? Invite the ones you love most to share any one of your Bank Accounts. They\u2019ll be able to add money and make payments from this Bank Account. However, unlike a Joint account, you\u2019ll remain the legal owner. You could also use this as a child account, and teach the little ones the basics of banking! \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"shared-access\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"LIWGDzYqT\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Learn more about Shared Access here.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"3. bunq Joint\"}),/*#__PURE__*/n(\"p\",{children:[\"Looking for the full experience of a joint account to help with shared costs? Look no further. You can open a bunq Joint account with your partner, spouse or adult children in just 5 minutes. All you need is your phone. A joint account makes handling shared costs much easier, as you\u2019ll both always get instant notifications for each payment, staying in full control. Oh, and you don\u2019t have to worry about shared cards - you each get your own beautiful card. \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"joint-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"QkFlEmaOB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Learn more about Joint here.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Here you go\"}),/*#__PURE__*/n(\"p\",{children:[\"3 easy ways to have a shared bank account with your family. Whether you\u2019re looking for a partner account, child account, or just a better deal for having individual bunq accounts for the whole crew - we\u2019ve got you covered. \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Start your free trial today\"})}),\" and experience the solution that fits you best.\"]})]});export const richText11=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"While our bunqers use them in various ways that fit their needs, here are a couple of ideas on how to make use of Bank Accounts!\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Budgeting made 25 times easier\"}),/*#__PURE__*/e(\"p\",{children:\"You don\u2019t need multiple Excel sheets and a Masters in Economics to budget. In fact, all you need is your beloved banking app. Yes, yes - we mean bunq.\"}),/*#__PURE__*/n(\"p\",{children:[\"An easy way to make sure that your money is being spent the way you want is to organize it in Bank Accounts as soon as it hits your bank account. You can do this with the \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"salary-sorter\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"btwf686p3\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Salary Sorter\"})}),\". You set the amounts (or percentages) you want in each Bank Account when your salary comes in, and the app will sort your future incomes automagically. We recommend using the Payment Sorter because it\u2019s harder - mentally - to spend money that was sorted with a purpose, meaning you\u2019re less likely to spend it on something else.\"]}),/*#__PURE__*/e(\"h2\",{children:\"2. Effortless savings\"}),/*#__PURE__*/n(\"p\",{children:[\"Bank Accounts act like individual bank accounts, with their own IBANs and all - but you can also use them as a savings account. It\u2019s super simple. You create a Savings Account right in the bunq app, personalize it (if you can picture it, you can achieve it, remember!), and start putting money aside with zero effort. A handy feature that helps with this is \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"auto-save\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"gFg2kyvut\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"AutoSave\"})}),\", which rounds up each payment and invests it towards your savings goal...automatically! Paid \u20AC3,20 for a sandwich? Congrats, you just saved 80 cents! But it gets even better! At bunq, you earn 0,75% interest on your savings, an interest rate that\u2019s much higher than what you\u2019d get at traditional banks. So all those times you use AutoSave to add a bit to your \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"savings-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"SEW0QFdCy\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Savings Account\"})}),\", really help you effortlessly grow your wealth over time!\"]}),/*#__PURE__*/e(\"p\",{children:\"Oh, and as with most things, saving money is easier together. You can also create a shared Savings Goal as one of your Bank Accounts and save for a common dream with your friend or partner!\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Different Bank Accounts, different PINs\"}),/*#__PURE__*/e(\"p\",{children:\"If your money\u2019s separated between different Bank Accounts, why should they share the same PIN code? Well, they don\u2019t have to. Each bunq card you have can be linked to 2 different Bank Accounts, through 2 different PIN codes. That means your card will know from which Bank Account to take the money when you pay for groceries, versus beers with friends. \"}),/*#__PURE__*/n(\"p\",{children:[\"Set up your \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"secondary-pin\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"AFPqvoJ_U\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Secondary PIN\"})}),\" in the bunq app to make sure you always spend the money allocated to that activity.\"]}),/*#__PURE__*/e(\"h2\",{children:\"4. Bank like a local with Local IBANs\"}),/*#__PURE__*/n(\"p\",{children:[\"Living in the Netherlands, but freelancing often for clients in Spain? Expatting in Berlin, but calling France home? Digital banking should have no borders. After all, we\u2019re a European bank. With bunq, you can bank like a local no matter where you are. Simply open a new Bank Account (or more) with a \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"foreign-ibans\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"gEtsJPhAY\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Foreign IBAN\"})}),\" that makes life easy. \"]}),/*#__PURE__*/e(\"p\",{children:\"Choose between NL, DE, FR or ES and easily pay, receive or hold money. Stay tuned! We\u2019re constantly adding more countries to this beautiful list.\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Multiple currencies in one banking app\"}),/*#__PURE__*/n(\"p\",{children:[\"Gone are the days when you needed a EUR bank account, a USD one, and so on. With the launch of \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"foreign-currencies\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"UcEJ9Y8MT\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Foreign Currencies\"})}),\", you can simply create a new Bank Account to receive, convert, hold and spend in multiple foreign currencies without having to leave your banking app. Living a global lifestyle has never been easier! \"]}),/*#__PURE__*/e(\"p\",{children:\"With 25 Bank Accounts, you have plenty of freedom to open one for each currency that you need. We currently offer US Dollars ($), British pound sterlings (\\xa3), Swiss francs (CHF), Polish Zloty (z\u0142) and Bulgarian lev (\u041B\u0432), but worry not - it\u2019s a work in progress.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"There you go! 5 smart ways to use your 25 Bank Accounts in the bunq app\"})}),/*#__PURE__*/n(\"p\",{children:[\"Got more ideas? We\u2019d love to hear from you! Let us know how you use your Bank Accounts on our socials or \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/t/ideas\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"on Together\"})}),\".\"]})]});export const richText12=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The current environment may have changed the way other banks operate, but we\u2019re happy to say nothing has changed around here: it\u2019s business as usual so you can save time, every time. Open a business account with bunq in less than 5 minutes, and enjoy all the benefits that make life easy.\"}),/*#__PURE__*/e(\"p\",{children:\"Check them out below!\"}),/*#__PURE__*/e(\"h2\",{children:\"1) End manual bookkeeping\"}),/*#__PURE__*/n(\"p\",{children:[\"Never have to worry about doing your bookkeeping manually. Set up a direct connection between bunq and your \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"bookkeeping-integrations\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"FaUisd_P1\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bookkeeping software\"})}),\" once and you\u2019re good to go. Of course, you\u2019ll always have a real time overview of your bookkeeping, so you stay in full control.\"]}),/*#__PURE__*/e(\"h2\",{children:\"2) Enjoy a great overview of your finances\"}),/*#__PURE__*/n(\"p\",{children:[\"Open as many \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"bank-accounts\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"jjCGlks2I\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Bank Accounts\"})}),\" as you want to keep things organized and always know where your money is going. Each comes with its own IBAN, so you can use them for direct debits, online payments and your cards.\"]}),/*#__PURE__*/e(\"h2\",{children:\"3) Pay invoices with zero effort\"}),/*#__PURE__*/e(\"p\",{children:\"All you have to do is scan an invoice and the bunq app will fill in all payment details automagically. Got a PDF invoice in your email instead? You can copy it to the bunq app directly from your phone. Doesn\u2019t get quicker and more efficient than this!\"}),/*#__PURE__*/e(\"h2\",{children:\"4) Always have instant employee access\"}),/*#__PURE__*/e(\"p\",{children:\"Enjoy the convenience of adding or removing a director without any paperwork or waiting, simply by using the app. Want to grant an employee access to certain Bank Accounts, without giving full account access? Add them and remove them when the time comes, all through the app.\"}),/*#__PURE__*/e(\"h2\",{children:\"5) The most efficient payments\"}),/*#__PURE__*/e(\"p\",{children:\"Need to do a batch of payments? Enter them quickly through bunq Web, thanks to keyboard shortcuts. If you\u2019ve received a SEPA XML batch, approve it on the go from the app. Instant payments are also supported, of course!\"}),/*#__PURE__*/e(\"h2\",{children:\"6) A sustainable business account, by default\"}),/*#__PURE__*/e(\"p\",{children:\"bunq only invest ethically, so you\u2019ll never be an accessory to destroying the planet. We\u2019re also the only bank in the world to give you Freedom of Choice. Decide where your money is invested or if you want to receive interest at all. Stay in control and rule your money, your way.\"}),/*#__PURE__*/e(\"h2\",{children:\"7) Grow your wealth without effort\"}),/*#__PURE__*/n(\"p\",{children:[\"With bunq it\u2019s super easy to manage all your day-to-day finances, while also effortlessly growing your (business) savings. Simply open a \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"savings-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"SEW0QFdCy\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Savings Account\"})}),\" in the app and you earn \",/*#__PURE__*/e(o,{motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"0,75% interest \"})}),\"over all your savings. That\u2019s an interest rate much higher than what you would get at traditional banks.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"There you go! These are just some of the amazing benefits you can enjoy when you open a business account with bunq. It takes less than 5 minutes\"})})]});export const richText13=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Renting in the Netherlands\"})}),/*#__PURE__*/e(\"p\",{children:\"Dreaming of a big and sunny penthouse? Uhm...\"}),/*#__PURE__*/n(\"p\",{children:[\"The Netherlands is a tiny, lovely country, which means it\u2019s pretty busy. Just like you, many expats joined the locals in the past years, so we\u2019re all living here very cozy - or \",/*#__PURE__*/e(\"em\",{children:\"gezellig\"}),\", as you\u2019ll soon learn. You may think that most accommodation is rather small, depending on what you\u2019re used to. There\u2019s also a shortage currently, especially when it comes to apartments in Amsterdam. Wanna do some research? Check out \",/*#__PURE__*/e(o,{href:\"https://www.funda.nl/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"this rental website\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Coming with a job offer or expat package? Try and get help from your company, as they probably know the market and this will make things easier.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Working in the Netherlands\"})}),/*#__PURE__*/e(\"p\",{children:\"Most expats come to the Netherlands with a job lined up, but of course that\u2019s not the only way to do it. Depending on your industry and location, you can find plenty of job offers for English speakers. Do a bit of research on whether your industry requires speaking the local language, so you can avoid unpleasant surprises and start your lessons in time. Overall, the job market is very friendly even for non-Dutch speakers, especially in cities like Amsterdam or Rotterdam.\"}),/*#__PURE__*/n(\"p\",{children:[\"Once you find your dream job, you\u2019ll be pleased to know that the work-life balance is something that the Dutchies do very well. It\u2019s important for people here to spend time with their families, on their hobbies, working out, or having delicious local beers with bitterballen at the bar (you\u2019ll see, you\u2019ll see). It\u2019s all \",/*#__PURE__*/e(\"em\",{children:\"work to live\"}),\"!\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Banking in the Netherlands\"})}),/*#__PURE__*/e(\"p\",{children:\"The Netherlands is modern when it comes to banking, with very few people still using cash. You\u2019d think that means you can just move here with your cards and you\u2019ll be set, right? Not really.\"}),/*#__PURE__*/e(\"p\",{children:\"Although this will change soon, the Netherlands mainly works with Maestro cards. If you\u2019re coming from abroad, you most likely own a Visa or Mastercard, which won\u2019t work in...about 80% of the places. Credit cards are a no go too.\"}),/*#__PURE__*/n(\"p\",{children:[\"As soon as you move here, you\u2019ll need to get a Dutch bank account that gives you a (debit) Maestro card and supports iDeal. \",/*#__PURE__*/e(\"em\",{children:\"I what?\"}),\" iDeal - it\u2019s how we pay for everything online here. You\u2019ll need this.\"]}),/*#__PURE__*/n(\"p\",{children:[\"So how do you get a bank account when you just moved, you wonder? If you choose to \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"open a bank account with bunq\"})}),\", it\u2019s very easy. It takes 5 minutes, and you only need your phone and ID. Don\u2019t worry if you don\u2019t have a social security number (BSN) yet. We give you 90 days to sort that out. Of course, you\u2019ll get your beautiful Dutch card, we support iDeal and are integrated with Wise for easy international payments.\"]}),/*#__PURE__*/e(\"p\",{children:\"Moreover, you can open Bank Accounts with different IBANs from different countries. For example, if you\u2019re moving from France, you can have a Dutch IBAN for your financial needs here, and a French one for the ones back home. Need multiple currencies? We\u2019ve got that covered too.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Holidays in the Netherlands\"})}),/*#__PURE__*/e(\"p\",{children:\"Thankfully, the Netherlands is so small that every weekend can be a small trip. Simply hop on a train and you\u2019ll be in a fishing village, on the beach, or...in Belgium...in just a couple of hours. Most companies in the Netherlands will offer you at least 20 days of holiday per year (for a full-time contract), plus national holidays. We\u2019re not gonna lie, there aren\u2019t many of those - so embrace those long weekends!\"}),/*#__PURE__*/e(\"p\",{children:\"As with most places in Europe, a lot of other countries are at your doorstep and an affordable drive, train or flight away. With bunq, you never have to worry about extra fees when you\u2019re abroad. You\u2019ll always get the real exchange rate.\"}),/*#__PURE__*/e(\"h2\",{children:\"Excited to start your Dutch adventure? We\u2019re sure you\u2019ll love it here\"})]});export const richText14=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"They ranked us 3rd in a list of 27 financial institutions active in the Netherlands.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"What\u2019s this about?\"})}),/*#__PURE__*/n(\"p\",{children:[\"We believe that the fight for a greener planet belongs to all of us, for the future of next generations. By playing our part in the fintech world, we wanted to lead by example. And so, a couple of months ago, we published our first \",/*#__PURE__*/e(o,{href:{webPageId:\"AjZiBk9mj\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"climate report\"})}),\", in line with our ambitions to meet the goals of the Paris agreement.\"]}),/*#__PURE__*/e(\"p\",{children:\"In short, that requires us to reduce our greenhouse gas emissions by half by 2030. We\u2019re currently at 8,100 tonnes of CO2, a fraction of the average financial institution's carbon footprint.\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019re not there yet, but we\u2019re well on our way - and ready to share every step with you!\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Who recognized our achievements?\"})}),/*#__PURE__*/e(\"p\",{children:\"The Fair Finance Guide Netherlands (Eerlijke Geldwijzer) was established in 2009 to inform people about banks by gauging their performance using independent criteria. This empowers you to choose a socially responsible bank. The guide is a coalition of Amnesty International, Milieudefensie, Oxfam Novib, PAX, and World Animal Protection.\"}),/*#__PURE__*/n(\"p\",{children:[\"The Fair Finance Guide Netherlands \",/*#__PURE__*/e(o,{href:\"https://fairfinanceguide.org/ff-international/news/2021/netherlands-pension-funds-insurers-and-banks-not-yet-paris-proof/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"just ranked\"})}),\" the climate change commitments of financial institutions active in the Netherlands. The research concerned 27 financial institutions, and we\u2019re happy to say that we\u2019ve ranked 3rd.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"What was the criteria?\"})}),/*#__PURE__*/n(\"p\",{children:[\"The assessment framework consisted of 12 criteria related to 6 key dimensions of a climate plan: \",/*#__PURE__*/e(\"em\",{children:\"commitment, measuring of carbon footprint, action plan, scope, portfolio alignment and transparency.\"})]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Why does that matter to me?\"})}),/*#__PURE__*/e(\"p\",{children:\"Being recognized at such a high level for our commitments for a better future makes us very proud. But besides investing in sustainable projects, we make sure that you also have the freedom to make green choices, with zero effort. We all need to start acting responsibly to fight climate change - and we hope everyone will join us in this effort.\"}),/*#__PURE__*/n(\"p\",{children:[\"bunq is the only bank in the world that lets you decide what happens to your money through \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"freedom-of-choice\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"myA5OIfVL\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Freedom of Choice\"})}),\". Moreover, our \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"our-green-efforts-make-top-3\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"vZc_hIdAD\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq Elite\"})}),\" users can make a difference simply by spending their money with bunq. It\u2019s that easy.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"We thank you for the green ride!\"})}),/*#__PURE__*/e(\"p\",{children:\"As always, the only way is up. Or in this case...even greener!\"})]});export const richText15=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"To get some good information that helps you in this new adventure, today we\u2019re focusing on Germany! Large cities here, especially Berlin, are known for attracting self-employed talent from all over the world.\"}),/*#__PURE__*/e(\"h2\",{children:\"Let\u2019s start from the beginning\"}),/*#__PURE__*/n(\"p\",{children:[\"First things first, to work in Germany you\u2019ll need to be legally registered. This is known as doing your \",/*#__PURE__*/e(\"em\",{children:\"Anmeldung\"}),\". If you\u2019re an EU citizen, you automatically have a valid residence permit. If not, you\u2019ll need a certain visa to live here, so make sure to do your research.\"]}),/*#__PURE__*/e(\"p\",{children:\"Another important thing to keep in mind is that you can actually work as self-employed alongside a full-time job, but only for 18 hours on top of your regular employment.\"}),/*#__PURE__*/e(\"h2\",{children:\"Freelance or self-employed?\"}),/*#__PURE__*/n(\"p\",{children:[\"In Germany, there\u2019s actually a difference between being self-employed (\",/*#__PURE__*/e(\"em\",{children:\"Selbstst\\xe4ndiger\"}),\") and a freelancer (\",/*#__PURE__*/e(\"em\",{children:\"Freiberufler\"}),\").\"]}),/*#__PURE__*/e(\"p\",{children:\"Self-employed people need more documents when applying for a residence permit compared to freelancers. That\u2019s because as a freelancer you work for various businesses as an individual. If you\u2019re self-employed, you work for different clients as an actual (official) business. Make sure you understand what your personal situation is and what works best for you.\"}),/*#__PURE__*/e(\"h2\",{children:\"What kind of freelancer are you\"}),/*#__PURE__*/n(\"p\",{children:[\"Things don\u2019t stop at differentiating between self-employed and freelancer. Are you a \",/*#__PURE__*/e(\"em\",{children:\"Freiberuflich\"}),\" or a \",/*#__PURE__*/e(\"em\",{children:\"Gewerbetreibende\"}),\"? Stick with us, we\u2019re getting there.\"]}),/*#__PURE__*/n(\"p\",{children:[\"A \",/*#__PURE__*/e(\"em\",{children:\"Freiberuflich\"}),\" (or freelancer) is usually linked to a scholar or creative service. The actual occupations vary greatly: from artists, to doctors, lawyers or programmers. You can \",/*#__PURE__*/e(o,{href:\"https://unternehmerkanal.de/papierkram/rechtsformen/liste-katalogberufe-freiberufler/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"find a complete list of the professions included here\"})}),\".\"]}),/*#__PURE__*/n(\"p\",{children:[\"A \",/*#__PURE__*/e(\"em\",{children:\"Gewerbetreibende\"}),\" (or tradesman business) refers to occupations that don\u2019t fit the list above. Usually, this includes companies related to building, trading or selling physical things.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Register your business\"}),/*#__PURE__*/n(\"p\",{children:[\"If you\u2019re a freelancer, you need a questionnaire called \",/*#__PURE__*/e(\"em\",{children:\"Fragebogen zur steuerliche Erfassung\"}),\". Through it, you let the authorities know that you plan to become a freelancer in Germany. This form needs to be submitted electronically to your local \",/*#__PURE__*/e(\"em\",{children:\"Finanzamt\"}),\".\"]}),/*#__PURE__*/n(\"p\",{children:[\"If you\u2019re registering as a tradesman, you register at your local \",/*#__PURE__*/e(\"em\",{children:\"Gewerbeamt\"}),\". You need to complete this step before heading to the local \",/*#__PURE__*/e(\"em\",{children:\"Finanzamt\"}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"Sort your health insurance\"}),/*#__PURE__*/e(\"p\",{children:\"As in many countries, being insured is mandatory in Germany. As a self-employed person, you need to figure this out on your own.\"}),/*#__PURE__*/e(\"p\",{children:\"First of all, you need to decide if you\u2019re going with public or private health insurance. Public health insurance will cost you around 15% of what you earn, set at a minimum of monthly \u20AC350. This also covers your spouse and kids.\"}),/*#__PURE__*/e(\"p\",{children:\"The private insurance is more personalized, which means the price is calculated based on your age and medical needs. Usually, this only covers yourself. If you're young, healthy and have a small family, private insurance may end up costing you less money.\"}),/*#__PURE__*/e(\"h2\",{children:\"On to the fun stuff - taxes!\"}),/*#__PURE__*/n(\"p\",{children:[\"As a self-employed person, you\u2019ll have to add V.A.T. (\",/*#__PURE__*/e(\"em\",{children:\"Umsatzsteuer or Mehrwertsteuer\"}),\") to your invoices. This is set at 19% or 7%, depending on your case. It\u2019s meant to cover what you need to deliver a service. Paid more than you receive back through V.A.T.? The \",/*#__PURE__*/e(\"em\",{children:\"Finanzamt\"}),\" will refund you the difference. You could also be exempt from V.A.T, through something called \",/*#__PURE__*/e(\"em\",{children:\"Kleinunternehmerregelung\"}),\". This means you don\u2019t need to bill clients extra, but you also cannot deduct anything for things or services you purchased for your job (think travel expenses, equipment, etc).\"]}),/*#__PURE__*/e(\"p\",{children:\"Based on your income, you may not have to file your V.A.T. at all. Keep in mind that if you work with international clients from other EU countries, you\u2019ll most likely need a V.A.T. number though.\"}),/*#__PURE__*/e(\"p\",{children:\"Second, you\u2019ll have the income tax, applying to everything you earn with your business. You\u2019ll be taxed for every euro you make over \u20AC9,408 per year. Declare this before the 31st May of the following year.\"}),/*#__PURE__*/e(\"p\",{children:\"For tradesman businesses, there\u2019s a different tax that applies to your turnover for the year. If it\u2019s less than \u20AC24,500 per year, you don\u2019t have to pay it. Declare this before the 31st May of the following year.\"}),/*#__PURE__*/e(\"h2\",{children:\"And lastly...choose the right business account\"}),/*#__PURE__*/e(\"p\",{children:\"Being self-employed in Germany (or anywhere) will require a good amount of time and energy, so you can make that dream business of yours work. There\u2019s no need to waste any of it on bureaucracy or banking.\"}),/*#__PURE__*/n(\"p\",{children:[\"Having the right bank account that saves you time and makes everything easier is essential. A \",/*#__PURE__*/e(o,{href:{webPageId:\"sxRFThGQm\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq business account\"})}),\" will help you end manual bookkeeping, manage invoices effortlessly and always have a clear overview of your finances. Oh, and it takes 5 minutes to open an account, from the comfort of your own home. \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"open-a-business-bank-account-in-just-5-minutes\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"Y9q2cSdoZ\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Learn more about why this could be a great choice for you here\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"There we go! Everything you need to know about being self-employed in Germany!\"}),/*#__PURE__*/e(\"p\",{children:\"\u200D\"}),/*#__PURE__*/e(\"p\",{children:\" \"})]});export const richText16=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"1. What\u2019s my business?\"}),/*#__PURE__*/e(\"p\",{children:\"First things first, you need to decide what kind of business you want to start. The possibilities are endless, so take your time with this one and make sure it fits your lifestyle, passion and goals. Are you looking for an online business, or would you like to open a physical location? Is your product virtual, or is it tangible? Maybe it\u2019s not even a product you\u2019re looking to sell, but a service or an unforgettable experience.\"}),/*#__PURE__*/e(\"p\",{children:\"Once you figure this out, think of what this business means to you. It could be something you\u2019ve never done before, but you\u2019re eager and enthusiastic to learn about. It could be something that you\u2019ve done for years, but only as a hobby. Many times, it\u2019s simply your current job, but you\u2019d rather do it on your own now.\"}),/*#__PURE__*/e(\"p\",{children:\"These may seem like a lot of questions to ask yourself, but most answers will come to you naturally. After all, if you know you want to start a business, you probably already have some basic things in mind.\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Who\u2019s my audience?\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you know what you\u2019re selling and where, the next question is: to whom? It goes without saying that without a problem to solve and a person who needs your business, things aren\u2019t really going to work out. Good news is, there\u2019s almost always someone who needs your solutions - it\u2019s just really important to find them, know them, and listen to them.\"}),/*#__PURE__*/e(\"p\",{children:\"Make sure to never skip this step when starting a business. A little trick is to try and be part of the target audience yourself. If you want to sell luxurious holiday packages in South-East Asia because that\u2019s what you\u2019re interested in and couldn\u2019t find the right service, you already have your target person nr. 1! Understanding your market is simply easier if you\u2019re part of it.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. What\u2019s my plan?\"}),/*#__PURE__*/e(\"p\",{children:\"You\u2019ve already come far. By now, you have a good understanding of your product and market, so it\u2019s time to put it all down on a one-pager for a great overview that will help with your future decisions.\"}),/*#__PURE__*/n(\"p\",{children:[\"A business plan includes things like an elevator pitch (keep it under 60 seconds, elevator rides aren\u2019t super long), an audience overview, a \",/*#__PURE__*/e(o,{href:\"https://www.businessnewsdaily.com/4245-swot-analysis.html\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"SWOT analysis\"})}),\", marketing ideas (online? offline? affiliates? all?), and financial projections. This plan will be your ally when presenting your business idea to investors, partners, or even for yourself to better understand where you stand and where you\u2019re going. If you\u2019ve never made one before, no sweat - the good ol\u2019 internet has plenty of templates ready to use.\"]}),/*#__PURE__*/e(\"h2\",{children:\"4. What do others think?\"}),/*#__PURE__*/e(\"p\",{children:\"The most important thing is that you truly believe in your idea, but when starting a business it\u2019s vital to get feedback and other opinions. They won\u2019t all be helpful or actionable, but without a doubt you\u2019ll hear some thoughts that simply didn\u2019t cross your mind. Listening to feedback is a great way to gather input and inspiration, as well as a brand new view on things. Keep in mind that not every positive thought means everyone\u2019s gonna love it, and not every negative opinion means your idea isn\u2019t good.\"}),/*#__PURE__*/e(\"p\",{children:\"Another point to make here is to carefully select who you\u2019re asking for feedback. Got any friends or colleagues that started a similar business, or may know something about your niche? Get their input! If you think that feedback may get in the way of good relationships, maybe skip asking family members or close friends.\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Do I know all the \u201Cstuff\u201D?\"}),/*#__PURE__*/e(\"p\",{children:\"Okay, this may not be the most exciting part of the process, but you have to go through it before the fun really starts! Before choosing the perfect name for your business or the funkiest logo, there are a few questions you need to ask yourself.\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Do I know the tax implications of owning a business in this country? \"}),\"A wise man once said, taxes are inevitable. Make sure you know the rules, and check if you can get any benefits as an entrepreneur. Many times, you can!\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Can I sustain myself until my business becomes profitable? \"}),\"Money is great, but it probably won\u2019t come pouring when starting a business. Therefore, it\u2019s important to have a financial plan meanwhile. This could be keeping your current job, a part-time gig, or savings. Curious about when you can expect to stop putting money into your business, and start making some? Perform this easy break-even analysis: fixed costs \\xf7 (average price - variable costs) = break-even point.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Do I know all the legal details around owning a business? \"}),\"Legal details can be a bit hard to digest, so check out if you need an advisor to start out. This of course depends on the type of business you own and your location.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Do I have a business bank account? \"}),\"Keeping your business finances separate is important. In some countries, it\u2019s not legal to run a business without a business account. Plus, you want all the time you can get to focus on your business, not on paperwork and old school banking affairs. We think \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"open-a-business-bank-account-in-just-5-minutes\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"Y9q2cSdoZ\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq\u2019s business account\"})}),\" will fit your entrepreneurial needs.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Alright, there you go! These are the 5 first steps to start your business - from now on, the only way is up!\"})]});export const richText17=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Diversity is a wonderful thing, one we care deeply for. Letting everyone be who they really are, seeing their colors and complementing each other.\"})}),/*#__PURE__*/e(\"p\",{children:\"But there\u2019s no true diversity without the freedom of true identity. What\u2019s an identity? A set of things that make you who you are, a beautiful individual. Your name is a big part of your identity. You hear it every day. You see it in your emails, on your social media, letters and on your bank cards. But from now on, you get to choose what name shows on your cards.\"}),/*#__PURE__*/e(\"p\",{children:\"Today, the 17th of May, on the International Day Against Homophobia, Biphobia, Interphobia and Transphobia we\u2019re more than proud to announce that bunq is the first bank in Europe to launch the True Name feature. This is done in cooperation with Mastercard across Europe. We hope this initiative helps everyone show their true identity and never have to feel like their name doesn\u2019t represent them.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does True Name work?\"}),/*#__PURE__*/e(\"p\",{children:\"When you order a card and choose the visible name on your card, you\u2019ll be able to enter your True Name. Pick the name you love, whether it's the one you were born with, or the one that you prefer. The choice is yours.\"}),/*#__PURE__*/e(\"p\",{children:\"Follow these easy steps:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Open the bunq app\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Tap on Home and go to Cards\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Tap on the colorful MENU button\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Select your desired card\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enter a description of your choice\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enter the address for delivery\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Choose name of card\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Click on the Name Options\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Select \u201COr choose a preferred name yourself\u201D\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enter your True Name\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Order your special new bunq card\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"A small step\"}),/*#__PURE__*/e(\"p\",{children:\"We know it takes a lot more listening, talking and action. This is a small step that we hope will help everyone celebrate their True Name, true identity and embrace diversity in all its beautiful colors.\"}),/*#__PURE__*/n(\"p\",{children:[\"Want to learn more about True Name and important details about this new feature? \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"true-name\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"sn3I5W9Yv\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Check out our full page\"})}),\", or \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/43846\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"more information on Together\"})}),\".\"]})]});export const richText18=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We\u2019re incredibly proud to announce that the Dutch Central Bank has approved a deal that will see bunq welcome our first external investor, Pollen Street Capital. Our \u20AC193 million funding round, valuing bunq at \u20AC1.6 billion, sets a new record for European fintech, as we raised the largest series A round ever secured.\"}),/*#__PURE__*/e(\"p\",{children:\"Joining forces opens up a wide range of possibilities for our users. But before we look to the future, let\u2019s take a moment to remember our journey so far. It's been a truly special experience and we\u2019re just getting started.\"}),/*#__PURE__*/e(\"p\",{children:\"Nearly 10 years ago, in the aftermath of the global financial crisis, we founded bunq to challenge what banking is and what it can do. We built the world\u2019s first bank rooted in the wants and needs of its users, so they can do whatever they want, wherever they want, with whomever they want.\"}),/*#__PURE__*/e(\"p\",{children:\"That meant building an app that included the features they wanted, giving them the power to decide how their money was invested, and a banking experience that made their lives easy.\"}),/*#__PURE__*/e(\"p\",{children:\"To truly break free from the status quo, we had to lay our foundation first. Our view has been and will be simple: if we build great products that people love to use, they will pay to use them. Being the only completely self-funded challenger bank that branched into 30 European markets without a penny of VC funds, we retained the freedom and independence to build a business model that aligned our commercial reality with the happiness of our users.\"}),/*#__PURE__*/e(\"p\",{children:\"This approach has been revolutionary. Many of our competitors have taken a different path during the first wave of fintech expansion in Europe, seeking to run up large vanity numbers often based on dormant accounts or numbers of app downloads, rather than active users.\"}),/*#__PURE__*/e(\"p\",{children:\"We are building a different model for a different era, one focused on a committed, engaged and ever-increasing community. And we know it\u2019s working, as our total user deposits doubled in 2019, then again in 2020 and now sit at above \u20AC1 billion.\"}),/*#__PURE__*/e(\"p\",{children:\"We announced our first profitable month earlier in 2021 and aim to break even on a monthly basis by the end of this year. Our commitment to sustainability isn\u2019t limited to our bunq Elite accounts which help users offset their CO2 with every euro spent. We are building a sustainable business model too.\"}),/*#__PURE__*/e(\"p\",{children:\"Now it\u2019s time to scale up our vision, using the funding announced today and an ambitious M&A strategy to grow bunq even further.\"}),/*#__PURE__*/e(\"p\",{children:\"As part of today\u2019s deal, we have made our first acquisition, securing Irish lender Capitalflow. Like us they have a laser focus on their users and value sustainability highly. We hope this will be the first acquisition of many, as bunq spearheads a new wave of post-pandemic fintech M&A.\"}),/*#__PURE__*/e(\"p\",{children:\"bunq will also use the injection of funds to fuel our growth across Europe, particularly in Germany and France. This follows our introduction this year of German, French and Spanish IBANs and the opening of new offices in Cologne and Paris. Excitingly, we also plan to double the number of bunq staff by the end of 2022.\"}),/*#__PURE__*/e(\"p\",{children:\"This unique approach will help us scale our operations sustainably, while keeping our users at the forefront of our work and continuing to remain profitable; a combination no other fintech \u2014 in Europe or the US \u2014 has yet been able to achieve.\"}),/*#__PURE__*/e(\"p\",{children:\"And so while this is a new beginning for bunq, it\u2019s also an exciting opportunity to continue the mission we started nearly a decade ago. We still truly believe that a healthy society is best served by a diverse banking sector. That\u2019s why we built a fully mobile bank that puts its users first in everything it does.\"}),/*#__PURE__*/e(\"p\",{children:\"Today\u2019s news shows we\u2019re here to stay\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Ali Niknam, CEO and founder of bunq\"})})]});export const richText19=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Getting started with bunq is fast, simple, and designed to make your life easy. Whether you\u2019re looking for a personal or business account, you can sign up and verify your identity in just 5 minutes\u2014no paperwork, no waiting!\"}),/*#__PURE__*/e(\"h2\",{children:\"First Things First: Who Can Open a bunq Account?\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019re active in many countries within the European Economic Area (EEA). All EEA citizens over 18, residing in countries we operate in, can sign up for bunq. If you're not a European citizen but live in one of these countries, you\u2019re eligible too!\"}),/*#__PURE__*/e(\"p\",{children:\"Ukrainian citizens who have become refugees due to the ongoing conflict are also eligible to open a bunq account.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're under 18 and live in the Netherlands, Germany, France, Spain, Ireland, or Italy, you can also open a bunq account. However, you\u2019ll need permission from a legal guardian who also has a bunq account (even a free one works!).\"}),/*#__PURE__*/n(\"p\",{children:[\"For more details about eligibility, check out our \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/1015\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Together article\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"How Do I Open an Account?\"}),/*#__PURE__*/n(\"p\",{children:[\"Great! You can \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"sign up by clicking this link\"})}),\". Once you have the app, follow these simple steps:\"]}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\"Choose a plan and start your \",/*#__PURE__*/e(\"strong\",{children:\"free 30-day trial\"}),\".\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Fill in your personal details.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Let us know what kind of account you need.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Select a document to verify your identity.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Ensure you\u2019re in a well-lit, quiet room.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Photograph both sides of your document.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Record a short video as instructed on the screen (to confirm your identity).\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Done! We\u2019ll review your details shortly.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Once everything is verified, you can start enjoying the bunq plan you chose. After your trial ends, you can continue with the same plan or select another one\u2014your choice!\"}),/*#__PURE__*/e(\"h2\",{children:\"Find the Right Plan for You\"}),/*#__PURE__*/e(\"p\",{children:\"Not sure which bunq plan suits your needs? Whether you're looking for personal banking, business solutions, or sustainable banking options, we\u2019ve got a plan tailored for you.\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\"Explore all our plans on our \",/*#__PURE__*/e(o,{href:{webPageId:\"AOC54tjkx\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Plans page\"})}),\".\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\"Read more about choosing the perfect plan in our blog post, \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"choosing-the-right-bunq-account-for-your-needs\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"wtBdSeYJ1\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Choosing the Right bunq Account for Your Needs\"})}),\".\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Why Choose bunq?\"}),/*#__PURE__*/e(\"p\",{children:\"bunq isn\u2019t just a bank\u2014it\u2019s the bank of The Free. Discover our unique benefits designed to make life easy:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{OTZi_b4WM:\"savings\"},unresolvedPathSlugs:{OTZi_b4WM:{collectionId:\"pnkTjxqij\",collectionItemId:\"yvkf2aAtr\"}},webPageId:\"HKcjJCVff\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Save More Money:\"})})}),\" Maximize your savings with high-interest rates and innovative features.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{OTZi_b4WM:\"budgeting\"},unresolvedPathSlugs:{OTZi_b4WM:{collectionId:\"pnkTjxqij\",collectionItemId:\"GcJUSmBaR\"}},webPageId:\"HKcjJCVff\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Smart Budgeting:\"})})}),\" Gain insights into your spending and manage your money effortlessly.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{OTZi_b4WM:\"travel\"},unresolvedPathSlugs:{OTZi_b4WM:{collectionId:\"pnkTjxqij\",collectionItemId:\"APmgcXvmz\"}},webPageId:\"HKcjJCVff\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Effortless Travel:\"})})}),\" Enjoy stress-free trips with ZeroFX, local IBANs, and worldwide payment compatibility.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{OTZi_b4WM:\"sustainable-banking\"},unresolvedPathSlugs:{OTZi_b4WM:{collectionId:\"pnkTjxqij\",collectionItemId:\"lKj2bt6GY\"}},webPageId:\"HKcjJCVff\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Sustainable Banking:\"})})}),\" Make a positive impact with every purchase by planting trees and supporting green initiatives.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"More Features You\u2019ll Love\"}),/*#__PURE__*/e(\"p\",{children:\"When you open an account with bunq, you unlock a world of benefits:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"instant-notifications\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"Zd5BLt5GC\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Instant Notifications:\"})})}),\" Get notified immediately about every transaction.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"multi-currency-savings-accounts\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"EP2vGpv9U\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Multiple IBANs\"})}),/*#__PURE__*/e(\"strong\",{children:\":\"}),\" Manage your money effortlessly with up to 25 IBANs linked to one account.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"joint-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"QkFlEmaOB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Joint Accounts\"})})}),/*#__PURE__*/e(\"strong\",{children:\":\"}),\" Easily share expenses with friends, family, or housemates.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"support\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"DIQarFfby\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:/*#__PURE__*/e(\"strong\",{children:\"24/7 Support\"})})}),/*#__PURE__*/e(\"strong\",{children:\":\"}),\" Get help whenever you need it through our app.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Ready to experience the bank of The Free? Open your bunq account in just 5 minutes and take control of your finances today!\"})]});export const richText20=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"This is bunq\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019re bunq, the bank of The Free. Back in 2012, our founder Ali set out on a journey to revolutionize banking, and since then, bunq has been making life easy for its users across 30 European countries. Built by and created for independent thinkers, we are here to break the status quo and revolutionize your banking experience. We build products that you need and love, while ensuring you save time, money, and CO2 effortlessly. Do you believe in constant improvement and always looking to grow into a better version of yourself? Do you value freedom, independence, and transparency? Do you want to live your life on your own terms? Then you\u2019re one of us, part of The Free.\"}),/*#__PURE__*/e(\"h2\",{children:\"Welcome to bunqGaria \uD83C\uDDE7\uD83C\uDDEC\"}),/*#__PURE__*/n(\"p\",{children:[\" bunq kept growing from the day it launched. At some point, our lovely Amsterdam bunqer just wasn\u2019t enough anymore, and the moment came: we needed to expand abroad. But where? The new bunq location had to be a place where our culture could thrive; it had to be fun, friendly, open-minded, and just like us...a little crazy for freedom! We looked around, it took some time, but we finally found our second home in Sofia! Strategic location, good food, and weather is quickly turning Sofia into a popular startup destination. Lots of innovative tech companies have decided to set up an office here, and bunq is one of the many international scale-ups choosing to expand their operations in Bulgaria. Based in Sofia\u2019s Campus X, we are currently over 50 people, and our team keeps on growing. If you\u2019re ready to get shit done, Bulgarian style, check \",/*#__PURE__*/e(o,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"our job openings\"})}),\" here.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Here\u2019s how we bunq \uD83C\uDF08\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"If you catch yourself thinking, \u2018Someone should fix that,\u2019 the someone is probably you.\"})}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s no coincidence the mantra we live and breathe by is GET SHIT DONE. We are big fans of end-to-end ownership. Because of that, at bunq, you get to have an impact from day one. By having real responsibilities, every employee has a voice and a measurable impact on the company\u2019s performance. There\u2019s a greater sense of individualism and self-governance here at bunq, and the atmosphere is a lot more casual. When you think of what it\u2019s like to work at a startup, what do you imagine? Perhaps you\u2019ve seen The Internship or The Social Network and are expecting genius nerdy guys laying around on bean bags eating free organic snacks. Startups and scale-ups are famous for their entrepreneurial spirit and chilled-out environment. While this is partly true, not everything is rainbows and unicorns. We are a work hard play hard kind of place - hours can be long and deadlines tight, but one of the biggest advantages of building your own bank is the incredible amount of knowledge and confidence you will gain in a short period of time. Even your first few months at bunq here in Sofia will give you more varied experiences than many people get in a decade at a large company.\"}),/*#__PURE__*/n(\"p\",{children:[\"Ready to get shit done with us? Explore exciting opportunities at bunq by visiting \",/*#__PURE__*/e(o,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"career.bunq.com\"})}),\".\"]})]});export const richText21=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We\u2019ve asked Hayden Young, Marketing & Program Manager for startup generator Antler Amsterdam to share some valuable insights on starting your own business. Here\u2019s what he told us:\"}),/*#__PURE__*/n(\"p\",{children:[\"\u201CThe best time to \",/*#__PURE__*/e(o,{href:\"https://www.theguardian.com/money/2009/jan/06/house-prices-fall-in-december\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"buy a house\"})}),\" is when the housing market is in the tank and prices are buyer-friendly. The best time to buy that \",/*#__PURE__*/e(o,{href:\"https://www.vox.com/2014/12/10/7369011/oil-prices-SUVs\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"gas-guzzling SUV\"})}),\" is when there is an oil-price crash and the price of petrol goes down to record-lows. And the best time to start your new business may be right during the COVID-19 pandemic.\"]}),/*#__PURE__*/e(\"p\",{children:\"Here\u2019s why now, more than ever, is the best time to be free, follow your dream and take the leap into entrepreneurship.\"}),/*#__PURE__*/e(\"h2\",{children:\"Now? Really?\"}),/*#__PURE__*/e(\"p\",{children:\"So, let\u2019s talk about the elephant in the room.\"}),/*#__PURE__*/e(\"p\",{children:\"This is an unprecedented global situation, true. But there is a lot of good coming out of this time in the form of new innovation, human collaboration and more. Way too often we are only focusing on the negative side. Let\u2019s remember, this is not the first time humanity has made it through such times.\"}),/*#__PURE__*/n(\"p\",{children:[\"Here are two recent examples: \",/*#__PURE__*/e(o,{href:\"https://en.wikipedia.org/wiki/Dot-com_bubble\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"the dot.com bubble of 2001\"})}),\" or The Great Recession of 2008. Both were major events that impacted the way we do business but we came out the other side stronger and smarter. And you can be part of that this time!\"]}),/*#__PURE__*/e(\"p\",{children:\"Now you are probably wondering\u2026\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CIf we are in such a tumultuous time, why is now the perfect time to start my company?\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Well dear reader, I have two key reasons:\"}),/*#__PURE__*/e(\"h2\",{children:\"Prior precedent - a.k.a history tends to repeat\"}),/*#__PURE__*/n(\"p\",{children:[\"In 2008 and 2009, there was a boom in the foundation of new companies. \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"why-now-is-the-time-to-build-a-start-up\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"ba5uhnMjL\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"We also touched on it here\"})}),\". The number of new businesses went up \",/*#__PURE__*/e(o,{href:\"https://indicators.kauffman.org/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"in 2009 compared to 2007\"})}),\"!\"]}),/*#__PURE__*/e(\"p\",{children:\"How come? Well, people jumped at their newfound freedom and created new opportunities by joining or establishing startups that were agile and not bound by shareholders.\"}),/*#__PURE__*/e(\"p\",{children:\"Think about that for a second. Thousands of individuals took the leap and followed their dream. Some of them went on to establish many of the biggest tech companies in the world today. You will recognize these names, born right during the Great Recession:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Dropbox - raised 6M USD, October 2008\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Airbnb - 600K USD, April 2009\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Uber - 250K USD, August 2009\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Square - 10M USD November 2009\"})})]}),/*#__PURE__*/e(\"p\",{children:\"With enough dedication and hard work, your startup could raise that kind of funding, and it\u2019s not crazy to think so.\"}),/*#__PURE__*/e(\"p\",{children:\"Which leads me to point two.\"}),/*#__PURE__*/e(\"p\",{children:\"Here\u2019s why you, as a startup, would actually benefit from a time like this:\"}),/*#__PURE__*/e(\"h2\",{children:\"Hello, innovation!\"}),/*#__PURE__*/n(\"p\",{children:[\"In a world where a bidet startup named \u2018Tushy\u2019 can \",/*#__PURE__*/e(o,{href:\"https://www.crunchbase.com/search/funding_rounds/field/organizations/funding_total/tushy\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"raise $2M\"})}),\"; it\u2019s very likely that somewhere, there is a need for your startup. As long as it is solving a real problem. Even if that problem is a lack of bidets in the world...\"]}),/*#__PURE__*/e(\"p\",{children:\"Nowadays we\u2019re experiencing an unprecedented change to the manner in which we live and work. Here\u2019s the kick: with that, comes opportunity. Opportunity for your company to fill these needs for innovation in the market.\"}),/*#__PURE__*/e(\"h2\",{children:\"This is why your tiny new startup has an advantage over the corporate giant right now!\"}),/*#__PURE__*/e(\"p\",{children:\"Corporations take foreverrrrr to innovate because they have a chain of command, a board of directors, shareholders, large-budget marketing campaigns and Karen in accounting who still doesn\u2019t understand how to download Chrome.\"}),/*#__PURE__*/n(\"p\",{children:[\"It\u2019s this slow-moving process that allowed a company like \",/*#__PURE__*/e(o,{href:{webPageId:\"augiA20Il\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq\"})}),\" to swoop in 8 years ago and take a portion of the banking landscape from the big guys. bunq innovates and moves much quicker than the corporate giant!\"]}),/*#__PURE__*/n(\"p\",{children:[\"It\u2019s the same innovation that allows a 7-month-old startup like \",/*#__PURE__*/e(o,{href:\"https://www.theclearhealthprogram.com/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Clear\"})}),\", to \",/*#__PURE__*/e(o,{href:\"https://siliconcanals.com/crowdfunding/dutch-startup-that-designs-personalised-nutrition-for-better-health-scores-e780k-funding/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"raise \u20AC780K in funding\"})}),\" because they\u2019re developing tech at a breakneck pace that is taking others literally years to achieve.\"]}),/*#__PURE__*/e(\"h2\",{children:\"This could be you! No, seriously - THIS COULD BE YOU\"}),/*#__PURE__*/e(\"p\",{children:\"You don\u2019t have shareholders, you\u2019re a team of less than 10 people who make decisions in less than 10 minutes. Boom, you\u2019re outdoing the big guys already!\"}),/*#__PURE__*/e(\"p\",{children:\"The rabbit beats the turtle in this story.\"}),/*#__PURE__*/e(\"h2\",{children:\"OK, so\u2026what now?\"}),/*#__PURE__*/e(\"p\",{children:\"Let me be frank. It\u2019s still really hard to build a successful startup. It takes real dedication. However, there are things that make entrepreneurship easier.\"}),/*#__PURE__*/n(\"p\",{children:[\"For example, I work for a startup generator and early-stage VC called \",/*#__PURE__*/e(o,{href:\"https://www.antler.co/netherlands\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Antler\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Through our 6-month long program, we help you build a startup from scratch, find a co-founder and secure funding. We\u2019ve observed the opportunities I mentioned above and we have a real ambition to make a positive impact on the world through startup innovation. We\u2019ve already helped build over 160 companies in just over two years doing exactly that.\"}),/*#__PURE__*/e(\"p\",{children:\"We give you the freedom to get started on building that dream company.\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We give you funding from day one\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We help you form a team\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We help you validate your idea\"})})]}),/*#__PURE__*/e(\"p\",{children:\"If we like that idea, we invest \u20AC100,000 into it so that you can begin building a business.\"}),/*#__PURE__*/n(\"p\",{children:[\"Thanks to \",/*#__PURE__*/e(o,{href:\"https://siliconcanals.com/news/covid-19-update-bunq-antler-join-forces/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"our partnership with bunq\"})}),\", we have the ability to get you a business account in a matter of minutes, something which used to take days or weeks to do.\"]}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m not saying building a company is easy. But there is no reason to be afraid to build now. If you want it, you should do it.\"}),/*#__PURE__*/e(\"p\",{children:\"Be free, follow that dream and start that company.\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(o,{href:\"https://www.antler.co/apply?utm_source=bunq&utm_medium=blog&utm_campaign=freedompiece&utm_content=link\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Apply here\"})}),\" to join Antler\u2019s next program in Amsterdam (or in any of our other 7 global locations) and let us help you build it. If you have any questions about the Antler program feel free to reach out via \",/*#__PURE__*/e(o,{href:\"https://www.linkedin.com/in/younghayden/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"LinkedIn\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"We probably won\u2019t take your bidet idea though\u2026 too much competition.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Hayden Young - Marketing & Program Manager at Antler Amsterdam\"})]});export const richText22=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"For example \",/*#__PURE__*/e(o,{href:\"https://www.jedlix.com/en/?utm_source=jedlixblog\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Jedlix\"})}),\", one of our valuable partners. They fight the green, good fight. They\u2019re setting a global standard for sustainable mobility, by creating a smart way of electric charging! Their promise? Make all electric cars use sustainable energy!\"]}),/*#__PURE__*/e(\"p\",{children:\"We were very excited when they told us that bunq helps them achieve success and that what we try is actually working, saving time so you can actually focus on your business.\"}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s hear from them!\"}),/*#__PURE__*/e(\"h2\",{children:\"Tell us a bit about your business!\"}),/*#__PURE__*/e(\"p\",{children:\"Jedlix develops and operates a Vehicle-to-Grid Integration platform to optimize the charging of electric vehicles. The Jedlix app charges the user\u2019s electric car easily, using greener and cheaper energy, based on our user\u2019s preferences. In return, the user saves money on their energy bill and gets financial rewards for their flexibility and contribution to balancing the power grid!\"}),/*#__PURE__*/e(\"h2\",{children:\"Why did you choose bunq for your business?\"}),/*#__PURE__*/e(\"p\",{children:\"Some or of our employees were already happy users of bunq and familiar with your automation solutions. Furthermore, we really liked the green and digital bank character of bunq. It\u2019s a very good match with our own mission and principles.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is your favorite feature and why?\"}),/*#__PURE__*/e(\"p\",{children:\"API for automated payments and off the shelf integration with our accounting application!\"}),/*#__PURE__*/e(\"h2\",{children:\"Tell us a bit about how the API made your life easier!\"}),/*#__PURE__*/e(\"p\",{children:\"We use bunq\u2019s API to automate payments to our large user base. By using our service, electric vehicle drivers receive a financial reward for each charging session that is Smartly Charged. The amount that is saved up, can be paid out directly to the user\u2019s bank account. To handle a large amount of these individual transactions, we use bunq\u2019s API to automate payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Why did you decide to integrate? Did the integration solve any problems?\"}),/*#__PURE__*/e(\"p\",{children:\"We wanted an automated and state-of-the-art interface with our banking system to support payouts faster. Supporting multi-currency was also very important for us!\"}),/*#__PURE__*/e(\"h2\",{children:\"How did the process go?\"}),/*#__PURE__*/e(\"p\",{children:\"Our internal development team worked on it in January 2020. We used the SDK provided by bunq. It was really easy to integrate! After some initial tests, it took us only two sprints of two weeks for the full API integration. No problems encountered!\"}),/*#__PURE__*/e(\"h2\",{children:\"Have you seen any benefits so far?\"}),/*#__PURE__*/e(\"p\",{children:\"It definitely saved us time with lower operational effort while handling pay-outs to users. Easy and simple support of multi-currencies.\"}),/*#__PURE__*/e(\"h2\",{children:\"How has this integration with bunq influenced the end-users? Is the API stable?\"}),/*#__PURE__*/e(\"p\",{children:\"The ability to pay users faster has increased customer and partner satisfaction! We also enabled this payment option for our white label app partners who use our platform. The bunq API can be relied upon.\"}),/*#__PURE__*/e(\"p\",{children:\"Wow! We are super happy to hear that our solutions are able to save time and increase customer satisfaction for a company that shares so many values with us!\"})]});export const richText23=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Why Rotterdam?\"}),/*#__PURE__*/e(\"p\",{children:\"Rotterdam is a unique city in The Netherlands. You can easily spot its apart architecture and looks. It\u2019s also Europe\u2019s largest seaport, so yay for pretty water views! As the city was highly affected by World War II, it started over with a modern style compared to the rest of the Netherlands.\"}),/*#__PURE__*/e(\"p\",{children:\"It has a young and casual vibe, making it the perfect spot to party on a Friday night (when possible!) and practice some recovery Yoga on a Saturday morning. Fun, relaxation, foodie spots, museums, boat rides...you can find all of these in Rotterdam!\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve decided to bring the bunq love to Rotterdam for a couple of reasons. Firstly, some of our bunqers are from this area, and we wanted to give them more flexibility. Of course, they can choose which office they\u2019d like to work in.\"}),/*#__PURE__*/e(\"p\",{children:\"Second, we know there are plenty of very talented and ambitious people looking to change the world around that region. We get that traveling to Amsterdam may be overwhelming, so we\u2019re coming your way instead. Meet us there?\"}),/*#__PURE__*/e(\"h2\",{children:\"Tell me more about this new bunq office!\"}),/*#__PURE__*/n(\"p\",{children:[\"Gladly! The new office, or \u201Cbunqer\u201D as we call it, will be ready to welcome you very soon. Keep an eye on our channels for the exact date, but hey - \",/*#__PURE__*/e(o,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"we\u2019re already hiring\"})}),\"! How cool is it to be the first bunqer of the Rotterdam office?!\"]}),/*#__PURE__*/e(\"p\",{children:\"It will be located right in the center of the city, so no need to worry about long travels. Of course, you\u2019ll be reimbursed anyway - even if you cycle. It will come with all the great bunq benefits, like delicious lunches and dinners, Friday drinks, a personal development budget and a heavily discounted membership with One Fit. We\u2019ll bring our energy and good vibes all the way from Amsterdam, and we\u2019re relying on you to get shit done and have an awesome time meanwhile.\"}),/*#__PURE__*/e(\"h2\",{children:\"Are you excited?\"}),/*#__PURE__*/e(\"p\",{children:\"We certainly are, and can\u2019t wait for the housewarming party with all of you new bunqers. See you soon!\"})]});export const richText24=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Here at bunq we\u2019re a big fan of going digital. However, a lot of users let us know that they still like to use cash in their daily lives. We\u2019ve noticed that our users around Germany or Austria, specifically needed a solution for depositing and withdrawing cash without the classic, outdated process: physical cards, finding the right ATM, and all that jazz.\"}),/*#__PURE__*/e(\"p\",{children:\"To make this practice - and your life - easier, precisely one year ago, we partnered with Barzahlen (also known as viacash), with its largest bank-independent payment infrastructure in Europe. This partnership lets you handle your cash money in a modern and digital way. By introducing cash straight into the bunq app, mobile banking really is limitless.\"}),/*#__PURE__*/e(\"p\",{children:\"\u201COur partnership is based on similar values - just like bunq, Barzahlen aims to make their customers\u2019 lives easier every day by giving them the freedom to manage their money the way they want. We are glad to have Barzahlen as our trusted partner and I\u2019m very excited to find out what the future of this partnership holds for both of us!\u201D, Ali Niknam, Founder and CEO of bunq.\"}),/*#__PURE__*/e(\"h2\",{children:\"Since we implemented this new solution, we\u2019ve seen a 340% increase in payments made through this feature!\"}),/*#__PURE__*/e(\"p\",{children:\"The way it works is very simple!\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"If you live in (or visit) Germany or Austria, you\u2019ll get an option in the bunq app called \u201CWithdraw & Deposit\u201D. \"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Once you choose that, you get to pick one of the many locations nearby that Barzahlen partnered with, like REWE, ROSSMANN, dm, BILLA, BIPA, and many more.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Head there, select the amount you want to withdraw or deposit, and the app will give you a unique code. \"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Once this code is scanned at your selected location, the amount will instantly be withdrawn or deposited to the preferred account.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"That\u2019s it! Absolutely no need for cards, ATMs, or time-wasting!\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve asked Barzahlen\u2019s CEO Sebastian Seifert to tell us how they feel about our partnership, now that we\u2019re celebrating our 1 year anniversary:\"}),/*#__PURE__*/e(\"p\",{children:'\"For a year now, we have been offering bunq customers the opportunity to deposit and withdraw cash conveniently and securely in our European-wide retail partner network of >16.000 locations. We combine the mobile-first approach with cash payments and thereby allow bunq users to only use their smartphone to deposit or withdraw cash \u2013 Like ApplePay for cash. The result: bunq as a fully digital bank, allowing their customers to also fully digitalize their cash reserves or conveniently get cash fully integrated in their daily life and routine at one of our retail chains around the corner. We are looking forward to the next years of this great partnership and to further enhance the value offering for bunq customers!\u201D'})]});export const richText25=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"And that\u2019s absolutely normal. You want your hard-earned money to be stored in a safe place. With the rise of digital banks, a lot of people wondered if these can store money just as safely. We\u2019re happy to tell you that bunq takes extra care of your money, through unique features and benefits. Let\u2019s have a look at what these are!\"}),/*#__PURE__*/e(\"h2\",{children:\"Privacy first!\"}),/*#__PURE__*/e(\"p\",{children:\"Ever had to check your balance in public? Then you probably looked for a quiet corner or tried to cover the screen with your hand, to make sure no one else can see your finances. Fair enough.\"}),/*#__PURE__*/e(\"p\",{children:\"Ever wanted to show a friend something awesome in the bunq app, but didn\u2019t really want them to know how much money you have? Understandable.\"}),/*#__PURE__*/e(\"p\",{children:\"For situations like these and many others, bunq lets you keep your balance private with one tap. Just click on the little eye icon on the top of your screen, and the numbers will be blurred until you decide to change that! Never worry about curious people around you and keep your balance private with bunq.\"}),/*#__PURE__*/e(\"h2\",{children:\"Your security code updates in 3,2,1...\"}),/*#__PURE__*/e(\"p\",{children:\"You may have noticed that your bunq card does not have a CVC security code on it. This is to keep your money safe, in case the card is no longer in your possession. You can still find it in your app, but did you know that you can automatically update the code in-app every 5 minutes? This way, you always have the maximum level of protection!\"}),/*#__PURE__*/e(\"h2\",{children:\"Online Cards can magically disappear\"}),/*#__PURE__*/n(\"p\",{children:[\"Your \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"virtual-credit-cards\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"POkDjJ9BJ\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Virtual Credit Cards\"})}),\" can be used with multiple bank accounts for easy budgeting and a clear overview! You get them included in your \",/*#__PURE__*/e(o,{motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq Pro\"})}),\" or \",/*#__PURE__*/e(o,{motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq Elite\"})}),\" subscription - and here\u2019s the cool part! You can immediately dispose of them once you\u2019ve done your purchase, for extra safety. If this was a physical card, it would be a lot more work to get it replaced. And of course, it\u2019s bad for the environment.\"]}),/*#__PURE__*/e(\"h2\",{children:\"PINs? No thanks\"}),/*#__PURE__*/e(\"p\",{children:\"There\u2019ve been plenty of reports in some countries that paying with your card could be dangerous due to faulty PIN machines or ATMs that \u201Cremember\u201D your code. bunq offers you options to avoid this problem, such as Apple Pay, Google Pay, Tap & Pay and an increased contactless limit for your physical cards. Spend your money worry and contact free!\"}),/*#__PURE__*/e(\"h2\",{children:\"Last but not least - your money is always safe at bunq\"}),/*#__PURE__*/e(\"p\",{children:\"Quick reminder that in 2014, bunq obtained the first European banking permit in over 35 years. What that means is that you can rest assured. Your money is 100% safe and you are covered by the Deposit Guarantee Scheme of the Dutch National Bank, up to \u20AC 100,000.\"}),/*#__PURE__*/e(\"h2\",{children:\"We love to keep you safe!\"}),/*#__PURE__*/e(\"p\",{children:\"Here you go, just some examples of how bunq keeps you and your money extra safe. Did you already know all these tricks?\"})]});export const richText26=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Check out 3 ways you can customize your bunq account and truly make it yours below:\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Stay organized at a glance with custom account icons\"}),/*#__PURE__*/e(\"p\",{children:\"You can create Bank Accounts for any of your spending and budgeting needs, but did you know that you can customize them too? You\u2019re free to upload your own image (pro tip: bitmojis rock for this) or conveniently create your own custom account icon directly from the app. We offer 16 different designs in 13 colors. That\u2019s 208 icon possibilities at the tap of a button!\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Match your crowdfunding needs by customizing your bunq.me link & page\"}),/*#__PURE__*/n(\"p\",{children:[\"If you\u2019re unfamiliar with bunq.me, it\u2019s a personal payment link you can create and connect to your own custom website page. You can use it to instantly get money back without having to worry about an expiring request. It\u2019s perfect for everyday use, events or crowdfunding campaigns. You can \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/611\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"find out more about how it works on Together here\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"On top of custom links, you can even customize your bunq.me page to include a background image and a brief description of the page. Raising money for a good cause? You can state your fundraising goal in the bunq.me description and set a photo that relates to your fundraiser as the background. Whenever someone clicks on your personal payment link, they\u2019ll be redirected to your page, can identify it as yours and easily transfer money to you using iDEAL, Instant Bank Transfer or a credit card.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Easily distinguish your virtual cards in your favorite colors\"}),/*#__PURE__*/n(\"p\",{children:[\"The customization doesn\u2019t stop, even outside of the bunq app! With the recent launch of bunq Update 13, you can now personalize your virtual Apple Pay & Google Pay cards. This way if you have multiple cards, you can easily tell them apart (even when you\u2019re rushed at the checkout line). A nice extra touch... you can pick your favorite colors too! \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/23603\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Find out more about how to do this from the app here\"})}),\".\"]})]});export const richText27=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"From paying at the checkout to planting a tree\"}),/*#__PURE__*/n(\"p\",{children:[\"As you may know, \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"plant-trees\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"WGNvjGhPz\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq Elite\"})}),\" plants a tree for every \u20AC100 you spend. Every time you spend \u20AC100 with any of your \",/*#__PURE__*/e(o,{href:{webPageId:\"RAcKLSXrV\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq cards\"})}),\" as an bunq Elite user, our system confirms the payment and we donate a tree to our partners at \",/*#__PURE__*/e(o,{href:{webPageId:\"nn0cIBvGp\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"veritree\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"veritree is a platform that ensures transparency and real-time tracking of our reforestation efforts. Together, we've planted over 25 million trees, aiming for even more in the coming years. This effort is comparable to removing over 900,000 cars from the road for a year.\"}),/*#__PURE__*/e(\"p\",{children:\"Deforestation is a serious environmental issue. Around the world, it\u2019s linked to problems such as animal extinction, pollution, climate change, natural disasters, and forced migration. It\u2019s up to all of us to make a difference and help heal the lungs of our planet\u2014so we decided to take action!\"}),/*#__PURE__*/n(\"p\",{children:[\"On a monthly basis, we fund the trees that you plant with your \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"plant-trees\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"WGNvjGhPz\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq Elite\"})}),\". 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This achievement is comparable to removing over 900,000 cars from the road for a year.\"}),/*#__PURE__*/n(\"p\",{children:[\"The trees you plant through our reforestation efforts capture approximately 308kg of CO\u2082 over their estimated 25-year growth life.* By spending \u20AC1,000/month with \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"plant-trees\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"WGNvjGhPz\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"bunq Elite\"})}),\", you can significantly contribute to global reforestation.\"]}),/*#__PURE__*/n(\"p\",{children:[\"Want to know the impact you\u2019re making? You can see this in the bunq app! 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That\u2019s why we\u2019ve made it simple for you to make a difference, just by using any \",/*#__PURE__*/e(o,{href:{webPageId:\"RAcKLSXrV\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"card\"})}),\" in your day-to-day life.\"]}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s see how many trees we can plant together.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"*Based on the average yearly carbon footprint of a European citizen and the average number of trees planted each year by an bunq Elite user.\"})})]});export const richText28=/*#__PURE__*/n(a.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"This blog post contains information about an outdated offer. 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By offering the best card to travel the world, European travelers can now always pay with the real exchange rate and enjoy the benefits of a true credit card without the burden of debt or monthly fees,\" says founder and CEO Ali Niknam.']}),/*#__PURE__*/n(\"p\",{children:[\"By always offering the true exchange rate on purchases in foreign currencies, our Travel Card sets itself apart from other banks\u2019 credit card offerings, resulting in savings of up to 3% every time you travel (Now available through \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"zero-fx\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"h2HvVEiCB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"ZeroFX\"})}),\"!\"]}),/*#__PURE__*/e(\"p\",{children:\"If you have a trip planned outside the Eurozone, the Travel Card is the perfect companion for your trip. As a true Mastercard Credit Card, you can use it for everything from car rentals to hotel bookings without the risk of going into overdraft.\"}),/*#__PURE__*/e(\"h2\",{children:\"In the know before you go\"}),/*#__PURE__*/n(\"p\",{children:[\"Beyond global acceptance and giving you the real foreign exchange rates every time, our Travel Card also gives you important information about your destination through our \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"travel-assistant\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"DmqRM0jeE\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Travel Assistant\"})}),\" feature.\"]}),/*#__PURE__*/n(\"p\",{children:[\"Wherever you go, \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"travel-assistant\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"DmqRM0jeE\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(t.a,{children:\"Travel Assistant\"})}),\" can put your mind at ease by letting you know:\"]}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The exchange rate for your destination country\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Don\u2019t worry about memorizing exchange rates. 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