{
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  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{Link as o}from\"framer\";import{motion as n}from\"framer-motion\";import*as a from\"react\";export const richText=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"If you end up making payments late or not at all, that can negatively affect your credit score (in most countries).\"}),/*#__PURE__*/e(\"p\",{children:\"This can be avoided by setting up a direct debit. Of course, if you\u2019re quite good with paying bills on time and like to have control over your monthly outlay, you can even refuse a direct debit. Keep reading to find out all the nuances of direct debit and how you can save money using it.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is a direct debit?\"}),/*#__PURE__*/e(\"p\",{children:\"Direct debit is when bill payments, subscriptions, or other monthly payments come out of your debit account automatically, without you ever lifting a finger. You know how life can get and you\u2019ve probably had times when you forgot to pay a bill because you were busy with some crisis at work or with your family.\"}),/*#__PURE__*/e(\"p\",{children:\"With a direct debit, you could be off hiking up Mt. Everest without an internet connection, and you would not have to worry about missing an automatic payment or subscription. It's so convenient.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does it work?\"}),/*#__PURE__*/e(\"p\",{children:\"When you sign up for a direct debit with a business or company, they will first send you a form to fill out (bunq works differently, but we\u2019ll talk more on that later). You would fill out that form (paper or online, depending on the country and company) and send one copy back to the company and one to the financial institution where you bank (the debiting bank).\"}),/*#__PURE__*/e(\"p\",{children:\"Once this procedure is completed, the company will be able to debit your account for the agreed-upon amount, until the contract finishes or you cancel the contract.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are the benefits of direct debit?\"}),/*#__PURE__*/e(\"p\",{children:\"There are many benefits of setting up a direct debit for all your bill payments. Let's look at some of them below.\"}),/*#__PURE__*/e(\"h2\",{children:\"Improves credit score\"}),/*#__PURE__*/e(\"p\",{children:\"Paying your bills on time has a huge positive influence on your credit score. When you pay your bills on time every month without fail, creditors will look favorably upon you, which means it will be easier to borrow money when you need it. And you will end up with a better interest rate when you borrow money because creditors trust you.\"}),/*#__PURE__*/e(\"h2\",{children:\"Comes with a guarantee\"}),/*#__PURE__*/e(\"p\",{children:\"When you set up a direct debit with an organization, you are immediately protected by 3 safeguards.\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"If there is an error in the direct debit scheduled payment, you get an immediate money-back guarantee\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"If the date or amount changes, you get advanced notice\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You have the right to cancel at any time\"})})]}),/*#__PURE__*/e(\"p\",{children:\"With such brilliant guarantees in place, it\u2019s definitely worth taking advantage of direct debit in your day-to-day banking experience.\"}),/*#__PURE__*/e(\"h2\",{children:\"Saves time and money\"}),/*#__PURE__*/e(\"p\",{children:\"Most folks have half a dozen or more bill charges or subscriptions that have to get paid every month on time. Every time, you have to get into your account, find the customer number of the organization you have to pay and send across the payment. It takes time and energy, both of which are deficient in the modern person's life.\"}),/*#__PURE__*/e(\"p\",{children:\"With a direct debit, your bills get paid automatically; you don\u2019t have to do a thing. You can go on living life and your finances are taken care of.\"}),/*#__PURE__*/e(\"p\",{children:\"More than that, some organizations may offer you discounts if you use direct debit. This is because it\u2019s quite beneficial to them knowing they get paid on time every month without fail. No one likes to chase payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Gives you peace of mind\"}),/*#__PURE__*/e(\"p\",{children:\"Don\u2019t wanna worry about bill payments while on holiday or rushing about your day? Set up direct debit for that ultimate peace of mind. No more getting up in the middle of the night in a panic because you forgot to pay the water bill.\"}),/*#__PURE__*/e(\"p\",{children:\"What is it for?\"}),/*#__PURE__*/e(\"p\",{children:\"As mentioned, direct debit is quite useful for all those subscription-style payments, ones that come every month / quarter in the same amount. For example, your magazine subscription or your monthly gym membership all fall into this category.\"}),/*#__PURE__*/e(\"p\",{children:\"You could also use it for annual payments, like property tax payments or annual licensing fees (for doctors or other professional organizations). This way you\u2019ll never forget about an important payment.\"}),/*#__PURE__*/e(\"h2\",{children:\"Can I refuse a direct debit?\"}),/*#__PURE__*/e(\"p\",{children:\"Absolutely you can! It\u2019s easy enough to do so, by going into your bank account and declining the direct debit. Make sure you speak to the organization or the company before doing so.\"}),/*#__PURE__*/e(\"p\",{children:\"They might assume your payment is late if you don\u2019t inform them beforehand. This could make you go into default mode and that could negatively affect your credit score.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to approve future direct debits or automatically accept a direct debit at bunq?\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq, as with everything else, we make it quite easy to approve future direct debits or automatically accept direct debits. As a bunq user, you don\u2019t have to send us the filled-out form from the merchant. When setting up a direct debit with a company, you can simply write down your bunq IBAN and send it back to the company.\"}),/*#__PURE__*/e(\"p\",{children:\"With personal direct debits, you have 5 days to accept or decline them (before they expire and are automatically declined or accepted based on your settings). With business direct debits, you have 1 day (24 hours) for the same.\"}),/*#__PURE__*/e(\"p\",{children:\"To automatically decline them after expiry or to no longer automatically accept them, go to Home > Bank Account > Settings > Automatic Debits.\"}),/*#__PURE__*/t(\"p\",{children:[\"Learn more on this in our \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/1972\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"direct debit FAQ section\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"Ready to try bunq?\"}),/*#__PURE__*/e(\"p\",{children:\"If you wanna Make Life Easy, you have to get bunq. It\u2019s called the bank of The Free for a good reason - it will give you freedom and peace of mind over your finances.\"}),/*#__PURE__*/e(\"p\",{children:\"With bunq, you can refuse or accept a direct debit with just a few taps on your phone.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Download bunq\"})}),\" and try our app for free (for 30 days). You won\u2019t regret it.\"]})]});export const richText1=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When Omahiry produced charcoal, the process would include having to spend two weeks in the Marotia forest cutting down trees. He\u2019d then spend an additional week cooking the wood that he harvested. This process would require Omahiry to breathe in the harsh black smoke, causing him most times to get sick. However, he\u2019d continue to work because if he didn\u2019t, he wouldn\u2019t be able to afford to feed his children. After a tedious month-long job, he\u2019d end up with about 40 gunny sacks of charcoal to sell, for only one dollar a piece. This would leave him with just enough money to feed his children.\"}),/*#__PURE__*/e(\"p\",{children:\"In 2020 Omahiry\u2019s life would take a turn when presented with a job opportunity through Eden Reforestation Projects, on our Madagascar team. Now, Omahiry begins his planting days by leaving his home at 6:30 am and meets his colleagues at a gathering place. They leave on foot for a two-hour trek through the mud.\"}),/*#__PURE__*/e(\"p\",{children:\"When he\u2019s not planting propagules, Omahiry patrols the planting sites for six hours at a time, protecting them from loggers or supervising the crab fishers to make sure they\u2019re careful and do not step on seedlings.\"}),/*#__PURE__*/e(\"p\",{children:\"A community that was once considered to be disappearing, it now has been reborn. Since Omahiry and our team\u2019s work began in 2020, the population has increased by a quarter, and people from surrounding communities have started their own micro-enterprises by selling local products. This had never happened before. For Omahiry, he now has the opportunity to afford food, shelter, clothing, and other expenses, thanks to a fair wage. He doesn\u2019t only spend hours in environment protection, but he\u2019s also able to be a fisherman in his spare time.\"}),/*#__PURE__*/t(\"p\",{children:[\"Curious to know more about the people that turn our partnership with Eden Reforestation Projects into reality, day by day? \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"abdis-story-bunq-users-creating-jobs-with-fair-wages\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"kuRNIMDv5\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Check out Abdi\u2019s story here\"})}),\"! \"]}),/*#__PURE__*/t(\"p\",{children:[\"Thanks to our \",/*#__PURE__*/e(o,{href:{pathVariables:{wL2FAR0tV:\"bunq-elite\"},unresolvedPathSlugs:{wL2FAR0tV:{collectionId:\"ANSMQLLgO\",collectionItemId:\"xR2fiuvJT\"}},webPageId:\"w343yV7NT\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"bunq Elite\"})}),\" community, we\u2019ve been able to plant over 9 million trees in Kenya and Madagascar, and continue our efforts towards reforestation. Besides, the project doesn\u2019t only concern nature conservation, but also fair wages and better work conditions for the communities in those areas. \"]}),/*#__PURE__*/t(\"p\",{children:[\"Wanna be part of the green change? Learn all about our \",/*#__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(n.a,{children:\"bunq Free plan\u2019s benefits here.\"})})]})]});export const richText2=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"There are several aspects to buying a home, and it can feel overwhelming - especially if you\u2019re unfamiliar with terms like mortgage rate, interest rate, and the types of loans available.\"}),/*#__PURE__*/e(\"p\",{children:\"This is a big financial step, so it\u2019s understandable that you want to make sure you understand what\u2019s involved. Mortgage rates are a great place to start if you want to know more about buying a home!\"}),/*#__PURE__*/e(\"h2\",{children:\"What are mortgage rates?\"}),/*#__PURE__*/e(\"p\",{children:\"Mortgage rate is the term used to describe the rate of interest charged on the mortgage for your home. The lender determines the mortgage rates, so they can vary.\"}),/*#__PURE__*/e(\"p\",{children:\"Mortgage rates can be affected by the economy, time of year, and many other external and personal factors. The mortgage rate that you get will also be affected by your credit score or profile.\"}),/*#__PURE__*/e(\"p\",{children:\"Because these rates are constantly changing and vary by person, it can be hard to know what yours would be. This is something that you\u2019ll have to look into with using your personal information for more detailed results.\"}),/*#__PURE__*/e(\"h2\",{children:\"What types of mortgages are there?\"}),/*#__PURE__*/e(\"p\",{children:\"There are two main types of mortgages out there - these work differently. If you want to buy a house, you\u2019ll have the option to choose one of these mortgages, depending on your personal situation.\"}),/*#__PURE__*/e(\"p\",{children:\"This choice can also affect the housing prices that you look into, as you have to think of the mortgage rates that you\u2019ll be paying.\"}),/*#__PURE__*/e(\"h3\",{children:\"Adjustable-rate mortgage\"}),/*#__PURE__*/t(\"p\",{children:[\"An \",/*#__PURE__*/e(o,{href:\"https://money.usnews.com/loans/mortgages/articles/adjustable-or-fixed-rate-mortgages-which-is-better\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"adjustable-rate mortgage\"})}),\" is a mortgage option that is not a set rate for your loan payments. This means that the mortgage rate that you have to pay on your loan could go up or down.\"]}),/*#__PURE__*/e(\"p\",{children:\"The lender has the ability to change the rate yearly instead of having the same rate. Most adjustable-rate mortgages still have a fixed rate for a period of time before fluctuating year to year.\"}),/*#__PURE__*/e(\"h3\",{children:\"Fixed-rate mortgage\"}),/*#__PURE__*/t(\"p\",{children:[\"A \",/*#__PURE__*/e(o,{href:\"https://www.businessinsider.com/personal-finance/what-is-fixed-rate-mortgage\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"fixed-rate mortgage\"})}),\" is the opposite of an adjustable-rate mortgage. This option keeps your rate at the same place until you have paid off your house loan in full.\"]}),/*#__PURE__*/e(\"p\",{children:\"This one gives extra security and takes away some stress that you might have otherwise felt.\"}),/*#__PURE__*/e(\"h2\",{children:\"How do mortgage rates work?\"}),/*#__PURE__*/e(\"p\",{children:\"Mortgage rates are there to determine how much you have to pay off on your mortgage every year. This is going to depend on the type of mortgage that you have.\"}),/*#__PURE__*/e(\"p\",{children:\"If you were to have a fixed-rate mortgage, you would have to pay a specific percentage of your loan yearly. If your lender gives you a 4% quote on your mortgage, you have to pay 4% of your loan balance every year until the loan is paid off.\"}),/*#__PURE__*/e(\"p\",{children:\"With an adjustable-rate mortgage, your rates could change year to year depending on different factors. You may pay less on your overall loan this year and have to pay more next year.\"}),/*#__PURE__*/e(\"p\",{children:\"Some adjustable-rate mortgages have a plan that has a fixed rate for the first five years. After that, your rates will change once every year going up or down.\"}),/*#__PURE__*/e(\"h2\",{children:\"How do you get a mortgage rate?\"}),/*#__PURE__*/e(\"p\",{children:\"Mortgage rates are mainly determined by how the economy is doing. When the outlook is good, mortgage rates are better for those looking to buy a home.\"}),/*#__PURE__*/e(\"p\",{children:\"If you can only afford to pay a high-interest rate, this can make it hard to find a house that fits your budget. This will make your mortgage more tricky and a longer commitment.\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit score and history of employment are also very important. Personal details like this can determine whether or not you can find a lender.\"}),/*#__PURE__*/e(\"p\",{children:\"To get a mortgage rate, you\u2019ll need to look around and get quotes from lenders. The lenders will look into all of the details to determine what kinds of mortgage rates you qualify for.\"}),/*#__PURE__*/e(\"p\",{children:\"This is an important step in ensuring that you get the best rates possible. Getting different quotes will help you find the best deal out there for your particular circumstances.\"}),/*#__PURE__*/e(\"h2\",{children:\"Does bunq offer mortgages?\"}),/*#__PURE__*/e(\"p\",{children:\"bunq is a great place to get a mortgage rate, as it offers a team of skilled professionals to help you out. You can get a detailed and personalized mortgage proposal within 24 hours!\"}),/*#__PURE__*/e(\"p\",{children:\"bunq provides mortgage advice, as well as financial advisors who are there to help you find the best rate that applies to you. You can quickly get the process started and feel confident knowing that our specialists know what they\u2019re doing.\"}),/*#__PURE__*/t(\"p\",{children:[\"Here\u2019s another thing: we have a \",/*#__PURE__*/e(o,{href:\"https://mortgages.bunq.com/calculator\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"tool on our website\"})}),\" to help you calculate the value of the loan you can get. It does this by calculating your annual income throughout the year. You can also add the annual income of your partner, if you\u2019re buying a home together.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Mortgage rates explained\"}),/*#__PURE__*/e(\"p\",{children:\"Mortgage rates can be tricky, but they don't have to be scary or mysterious. When broken down, mortgage rates are easy to understand and apply to your personal situation.\"}),/*#__PURE__*/t(\"p\",{children:[\"Wanna get the best deal out there that fits your needs? \",/*#__PURE__*/e(o,{href:\"https://mortgages.bunq.com/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Contact us today\"})}),\" to talk to one of our professionals about a personalized mortgage proposal.\"]})]});export const richText3=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"I studied music basically my whole life\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019ve been singing, playing the piano, and even drumming a bit, since I was 3 years old. I was on the edge of my musical career when I was around 16 years old. Almost signed a very big contract with a good record label - but something wasn\u2019t right. I felt that the music industry wasn\u2019t for me, so I decided (very spontaneously) to study a Bachelor of Science in Marketing Management in the Netherlands. I moved to Groningen in 2016 and I simply loved the city and the people there. In my 2nd year of uni, I had a very nice communication teacher who actually introduced bunq to me as a cool company where things are very different from a normal bank. We had to write a huge paper about bunq and I really enjoyed doing it (and received a good grade btw). Then I thought \u201Chmm - I should try for an internship at bunq\u201D. But there were no internships available. I waited 2 more years. During my master's, I simply knew that bunq would be the company to do my thesis internship at. I didn\u2019t apply for anything else. I wanted to succeed and I trusted my skills.\"}),/*#__PURE__*/e(\"h2\",{children:\"After a week, I\u2019ve got the job: \u201CIntern in Performance Marketing\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Skip forward 6 months, I received a full-time position in the same department. I was so grateful because I could do so many things that usually a junior would never do: working with big budgets, coordinating teams, or working with advertising agencies. bunq is challenging - but fun, and worth it. At the end of the day, you feel you did make a difference (smaller or bigger, they all matter). One big challenge that I'm facing currently is to increase brand awareness in Germany, France and the Netherlands (which is 3 times harder than what I had to do until now, and I\u2019ve been working for bunq for almost 2 years). I had to plan the strategy and budgets, and coordinate a few teams for this to happen. To be honest, I enjoyed each moment of it. You need to be organized, and never think \u201Cthis has to be perfect\u201D, because nothing is perfect and you\u2019ll just become frustrated in the end. Whenever in doubt, you always have \u201CThe Team\u201D - and they\u2019re the best. Not only in what they\u2019re doing, but also just genuinely good human beings.\"}),/*#__PURE__*/e(\"h2\",{children:\"If you\u2019re thinking of applying, do it - it\u2019s worth it\"}),/*#__PURE__*/e(\"p\",{children:\"I remember that the first 3 weeks were very hard. I never expected so much responsibility on my shoulders, but I had a very good mentor, which I am grateful for until this very day because he taught me everything I know. Big shout out to you, Sergey!\"}),/*#__PURE__*/t(\"p\",{children:[\"Those 3 weeks will result in like\u2026 6 months of experience already. Working at bunq for a year will result in 3 years of experience in a regular company. \",/*#__PURE__*/e(o,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"If you think this is what you want, you\u2019ll not regret it\"})}),\". I can promise you - you\u2019ll make a difference, every day.\"]}),/*#__PURE__*/e(\"p\",{children:\"So basically\u2026thanks bunq, for offering me this opportunity. I simply love my job. Regards, Sabrina (Ads Queen)\"})]});export const richText4=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Let\u2019s dive in and see which one is right for you. We\u2019ll check out how each works and how they compare to each other.\"}),/*#__PURE__*/e(\"h2\",{children:\"What\u2019s a debit card?\"}),/*#__PURE__*/e(\"p\",{children:\"A debit card is a type of payment card that connects to your bank account. These cards also connect to major card providers, such as Visa and Mastercard.\"}),/*#__PURE__*/e(\"p\",{children:\"So maybe you're wondering, what is Visa debit? Or What is Mastercard debit? Those companies help process your transactions for your bank when you use your debit card.\"}),/*#__PURE__*/e(\"p\",{children:\"Since the card connects to your bank account, you need to make sure you have enough money to cover purchases. If you don't, your card will probably decline the transaction.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to get it\"}),/*#__PURE__*/t(\"p\",{children:[\"You'll need to open an account at \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"bank-accounts\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"jjCGlks2I\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"a bank\"})}),\" that gives out debit cards. Then, you'll receive a bank card in the mail after the bank processes your order and creates the card.\"]}),/*#__PURE__*/e(\"p\",{children:\"If you already have an account, you can ask your bank to send you a debit card. Depending on your bank, you may need to visit the bank in person.\"}),/*#__PURE__*/t(\"p\",{children:[\"However, there are plenty of online banks that allow you to request a card online. bunq users only need the app to order a debit card, so it takes zero effort. Moreover, \",/*#__PURE__*/e(o,{href:{pathVariables:{EHOoGMZuu:\"benefits\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"DvZfY4prs\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"(at least) one is included for free with all our plans\"})}),\", besides bunq Free.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Where you use it\"}),/*#__PURE__*/e(\"p\",{children:\"You can use a debit card when making purchases online or in person. The card works in most credit card terminals at shops, so you can swipe your card or insert the chip into the card reader.\"}),/*#__PURE__*/e(\"p\",{children:\"When shopping online, you\u2019ll simply enter the card number, expiration date, and CCV. That way, the online payment processor will be able to handle the transaction as if you were in person.\"}),/*#__PURE__*/e(\"p\",{children:\"After the store processes your transaction, it will deduct that amount from your bank account. You can continue to use the debit card for anything you need to buy, and you may need to create and use a PIN to protect your transaction.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is a credit card?\"}),/*#__PURE__*/t(\"p\",{children:[\"A credit card works \",/*#__PURE__*/e(o,{href:\"https://www.investopedia.com/articles/personal-finance/050214/credit-vs-debit-cards-which-better.asp\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"similarly to a debit card\"})}),\", such as the fact that the card comes from a company like Visa. And you may wonder, is Mastercard debit or credit?\"]}),/*#__PURE__*/e(\"p\",{children:'Both types of cards can look identical, but there may be the word \"credit\" or \"debit\" somewhere on the card. A credit card doesn\\'t connect to your bank account.'}),/*#__PURE__*/e(\"p\",{children:\"However, it will add all of your transactions to your credit card bill. You must pay off the balance each month, or you\u2019ll have to pay interest on the money you borrow since the card works like a loan.\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq, we offer an option that acts like a credit card, but doesn\u2019t let you fall into debt. So it works like a debit card, but you\u2019re able to book hotels, rent cars, or use it whenever they ask for credit cards.\"}),/*#__PURE__*/e(\"h2\",{children:\"How you get it\"}),/*#__PURE__*/e(\"p\",{children:\"To get a (real) credit card, you\u2019ll need to apply for it. You can do this either through your bank or through a variety of credit card companies.\"}),/*#__PURE__*/e(\"p\",{children:\"When you apply, you\u2019ll learn if the company approved you. Then, you may be able to choose between different cards with unique perks or interest rates.\"}),/*#__PURE__*/e(\"p\",{children:\"Depending on your application and your credit history, you may get a large or small credit limit. If you spend more than the limit, your card will decline until the following month.\"}),/*#__PURE__*/e(\"h2\",{children:\"Where you use it\"}),/*#__PURE__*/e(\"p\",{children:\"Like a debit card, you can use a credit card in many places in person and online. It's a good card to use if you tend to keep most of your money in a savings account.\"}),/*#__PURE__*/e(\"p\",{children:\"That way, you don't have to consistently replenish the money in your checking account. Also, credit cards tend to offer more protection than debit cards in the case of fraud.\"}),/*#__PURE__*/e(\"p\",{children:\"So using your credit card is a good option if you don't quite trust who you're paying. If someone hacks into the portal and gets your credit card number, you can report the fraud to get your money back.\"}),/*#__PURE__*/t(\"p\",{children:[\"P.S.: if you\u2019re looking for the ultimate protection, \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"virtual-credit-cards\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"POkDjJ9BJ\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"you can always use Virtual Credit Cards at bunq\"})}),\". These are virtual cards that you can create, use, and disable immediately - so your information is always safe.\"]}),/*#__PURE__*/e(\"h2\",{children:\"What is a prepaid card?\"}),/*#__PURE__*/t(\"p\",{children:[\"A \",/*#__PURE__*/e(o,{href:\"https://www.cnbc.com/select/what-is-a-prepaid-card/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"prepaid card\"})}),\" is similar to a debit card in that it has a set balance, and you can usually refill it. However, you won't connect the card to a bank account, so you'll need to refill the balance manually.\"]}),/*#__PURE__*/e(\"p\",{children:\"You may have used a prepaid card like a gift card or a general prepaid card. These cards let you buy things online if you don't have a bank account, and you can usually refill them using cash.\"}),/*#__PURE__*/e(\"p\",{children:\"Like a debit card, your prepaid card balance will decrease when you use it. But you won't have to pay interest like you would with a credit card.\"}),/*#__PURE__*/e(\"h2\",{children:\"How you get it\"}),/*#__PURE__*/e(\"p\",{children:\"You can find a prepaid card at many retail stores or even online. When you buy the card, you will pay the amount you want to load onto the card and sometimes a small processing fee.\"}),/*#__PURE__*/e(\"p\",{children:\"If someone wants to give you money, they may give you a prepaid card to use. This is a great option for sending money through the mail since you may not want to send cash.\"}),/*#__PURE__*/e(\"h2\",{children:\"Where you use it\"}),/*#__PURE__*/e(\"p\",{children:\"You can use a prepaid card in the same places as a debit or credit card. It should work in most in-person stores as well as online, which is great.\"}),/*#__PURE__*/e(\"p\",{children:\"When using the card online, it can work as a virtual card. You'll enter the card number and expiration date, and you can spend the entire balance at once or over time.\"}),/*#__PURE__*/e(\"p\",{children:\"If your balance runs low, you can return to a store or go online to add more money to the card.\"}),/*#__PURE__*/e(\"h2\",{children:\"What card to choose\"}),/*#__PURE__*/e(\"p\",{children:\"Be sure to compare your choices, and don't be afraid to get multiple cards. That way, you can use the best one for each purchase you make. While debit cards may be better for your day to day life, you\u2019ll probably need a credit card to make certain reservations, for example when traveling.\"}),/*#__PURE__*/t(\"p\",{children:[\"Are you ready to get a bank account and cards that fit all your needs? \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Download the bunq app\"})}),\" and get started today.\"]})]});export const richText5=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The idea behind this was to make sure that everyone has the option to send and receive money, as well as being able to simply pay for day to day necessities. We\u2019ve had many requests for these accounts, and we\u2019re glad that we could offer some help to people in need.\"}),/*#__PURE__*/e(\"p\",{children:\"Through constant feedback, we understood that some of our users would benefit from using bunq in their native tongue. The language barrier wasn\u2019t always giving people the flexibility that we\u2019d want them to have when using our app.\"}),/*#__PURE__*/t(\"p\",{children:[\"To make sure this isn\u2019t an issue anymore, \",/*#__PURE__*/e(o,{href:\"https://peopleforpeople.info/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"we\u2019ve partnered with People for People\"})}),\", an organization that was created in light of the current situation in the Ukraine, meant to help people in any way possible. That\u2019s why we added the option to use bunq in the Ukrainian and Russian languages.\"]}),/*#__PURE__*/e(\"p\",{children:\"Using the bunq app in these languages takes no effort from the users\u2019 side. The app will follow the language your phone is set to, so simply update your app to the latest version of bunq (20.4.0 or later) and you\u2019re all set.\"}),/*#__PURE__*/t(\"p\",{children:[\"We hope this change makes life easier for people who need bunq to navigate their lives in these trying times. For more info on how to use bunq in Ukrainian and Russian, \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/49735\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"check out our Together post here.\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"Lastly, we did our best to make the bunq app as easy to use as possible. However, if you\u2019re using bunq in Ukrainian or Russian and you come across a translation that could be better, let us know, so we can fix it! \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/49736\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Simply share your feedback with us here\"})}),\".\"]})]});export const richText6=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We\u2019re excited to bring you more updates about the site where these trees are planted, and what kind of trees you\u2019re helping to plant. Today, we\u2019d like to share the story of someone who\u2019s planting mangroves on the Magumba site. We hope you enjoy this little insight on how you\u2019re not just helping the planet with your actions, but local communities, too.\"}),/*#__PURE__*/e(\"h2\",{children:\"Meet Abdi\"}),/*#__PURE__*/e(\"p\",{children:\"Abdi\u2019s father sadly passed away when he was born, meaning that when Abdi was old enough, he started harvesting crabs to provide for the family. This was a demanding job, and not every day was a good day. Abdi struggled to keep up with the huge responsibility of providing food and going to school:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"\u201CFrom an early age, I learned to fend for myself and my siblings. I\u2019d skip school to go harvest crabs and use the money to pay part of my school fees and the other part to put food on the table. When I was in grade five, I dropped out of school to fully focus on harvesting crabs. It became hard to juggle both,\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"Harvesting crabs wasn\u2019t just a tough job, with no promise of a consistent income - it was also a dangerous one. The area where Abdi worked often had rough storms that could easily beat up small wooden boats. Even so, at the end of the day, Abdi was happy to keep going back, as long as his family wasn\u2019t going hungry.\"}),/*#__PURE__*/e(\"h2\",{children:\"And he kept doing it\u2026\"}),/*#__PURE__*/t(\"p\",{children:[\"Until he was introduced to the Eden Reforestation Projects\u2019 team in Kenya. They hired him to help at the Magumba site (\",/*#__PURE__*/e(o,{href:\"https://explorer.land/x/project/kenya/site/Zl0ZON/about\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"planted for bunq bunq Elite users\"})}),\"). Since then, he trudges through thick mud to collect, sort, and plant mangrove propagules.\"]}),/*#__PURE__*/e(\"p\",{children:\"Although Abdi was willing to do any kind of work for his family\u2019s well-being, he\u2019s relieved to have a job where he doesn\u2019t have to risk his life everyday, and that also gives him a consistent and fair wage. Because he\u2019s able to cover his family\u2019s needs, such as food and clothing, he can offer possibilities that he sadly didn\u2019t have. Abdi\u2019s children are in school and he\u2019s now even building a new home for his family!\"}),/*#__PURE__*/e(\"p\",{children:\"Having seen the importance that mangrove forests have on ocean life, Abdi knows that with each mangrove he plants, he\u2019s securing the well-being of the ecosystem for his children and many generations to come. And while bunq users don\u2019t (physically) plant mangroves to \u201Cparticipate in the magic\u201D, they can easily help the world be greener, and the future be brighter.\"}),/*#__PURE__*/t(\"p\",{children:[\"Learn more about \",/*#__PURE__*/e(o,{href:{pathVariables:{wL2FAR0tV:\"bunq-elite\"},unresolvedPathSlugs:{wL2FAR0tV:{collectionId:\"ANSMQLLgO\",collectionItemId:\"xR2fiuvJT\"}},webPageId:\"w343yV7NT\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"bunq Elite\"})})]})]});export const richText7=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"At the end of 2020, nearly \",/*#__PURE__*/e(o,{href:\"https://www.globenewswire.com/en/news-release/2021/07/08/2259605/0/en/Study-More-than-half-of-the-world-s-population-will-use-mobile-wallets-by-2025.html\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"3 billion digital wallets\"})}),\" were used worldwide.\"]}),/*#__PURE__*/e(\"p\",{children:\"Despite the ever-increasing number of people using digital wallets, not many people know about the details of this easy-to-use payment tool. Nor are they aware of the several benefits that come with digital wallet transactions.\"}),/*#__PURE__*/e(\"p\",{children:\"Keep reading to find out more.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is a digital wallet?\"}),/*#__PURE__*/e(\"p\",{children:\"A digital wallet is exactly what it sounds like it should be \u2013 an electronic version of your wallet and payment methods. They\u2019re also aptly called e-wallets.\"}),/*#__PURE__*/e(\"p\",{children:\"Whether it\u2019s an app or an online service, digital wallets store payment information and passwords. But they don\u2019t only hold credit cards or debit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"Depending on where you are in the world, your digital wallet can also store ID cards, driver\u2019s licenses, and even digital car keys. You can also save digital tickets from airlines or events, along with hotel reservations and e-vouchers.  \"}),/*#__PURE__*/e(\"p\",{children:\"The biggest benefit of having a digital wallet is that you\u2019ll have far less to carry. You\u2019ll also never need a physical card again. And chances are, you\u2019ll never forget anything, as everything is often available on your smartphone.\"}),/*#__PURE__*/e(\"h2\",{children:\"How do digital wallets work?\"}),/*#__PURE__*/e(\"p\",{children:\"The majority of digital wallets come through apps that work on most smart devices, like phones and watches.  These apps can then use the devices\u2019 Bluetooth, Wi-Fi, or Magnetic Signals to communicate with any point-of-sale system.\"}),/*#__PURE__*/e(\"p\",{children:\"There are different types of digital wallet technology, however, all of them make transactions convenient and easy. These technologies include Quick Response (QR) codes, Near Field Communication (NFC), or Magnetic Secure Transmission (MST). \"}),/*#__PURE__*/e(\"h2\",{children:\"What are the different types of digital wallets?\"}),/*#__PURE__*/e(\"p\",{children:\"There are three types of digital wallets: closed, semi-closed, and open. \"}),/*#__PURE__*/e(\"p\",{children:\"As the name suggests, closed wallets are company or app specific. This means that you\u2019ll only be able to use the wallet when purchasing things from the issuer of the wallet. AmazonPay is a good example of this. \"}),/*#__PURE__*/e(\"p\",{children:\"Semi-closed wallets work slightly differently. With these kinds of digital wallets, you\u2019ll be able to make transactions from approved merchants or in certain locations. Despite these wallets being location specific, if these merchants have online stores, you\u2019ll still be able to use your digital wallet.\"}),/*#__PURE__*/e(\"p\",{children:\"An open wallet is one often issued by banks. Some institutions or companies can even partner with banks to issue open wallets. These wallets can be used at any store, to purchase any goods or services. You can also withdraw cash or transfer funds with open wallets. Apple Pay and Google Pay are popular open wallets.\"}),/*#__PURE__*/e(\"h2\",{children:\"Available digital wallets\"}),/*#__PURE__*/e(\"p\",{children:\"There are several digital wallets to choose from. Whichever you choose will be based on a variety of factors, like your location and even the kind of smartphone you have. Below are some of the most popular digital wallets.\"}),/*#__PURE__*/e(\"h3\",{children:\"Apple Pay\"}),/*#__PURE__*/t(\"p\",{children:[\"As with most Apple products, Apple Pay is exclusive to those within the \",/*#__PURE__*/e(o,{href:\"https://techjourneyman.com/blog/apple-ecosystem-explained/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Apple ecosystem\"})}),\". The app is built into iPhones, Apple Watches, and iPads. Because Apple Pay is an open digital wallet, you\u2019ll be able to use it in any store. It\u2019s also a perfect tool for online payments.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Like all digital wallets, Apple Pay is extremely secure. To make any payments, you\u2019ll need to verify yourself using \",/*#__PURE__*/e(o,{href:\"https://www.igeeksblog.com/apple-face-id-vs-touch-id/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"FaceID or TouchID\"})}),\". \"]}),/*#__PURE__*/e(\"h3\",{children:\"Google Pay\"}),/*#__PURE__*/e(\"p\",{children:\"Google Pay is another very popular digital wallet and one where you don\u2019t need a specific smartphone. All you need is the GooglePay App to load all your cards\u2019 details. Like Apple Pay, you can use Google Pay at any store and online.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s also extremely secure, requiring some form of verification before making any transactions.\"}),/*#__PURE__*/e(\"h3\",{children:\"Samsung Pay\"}),/*#__PURE__*/e(\"p\",{children:\"Samsung Pay is exclusive to Samsung phones. It works with NFC technology, making it easy to use anywhere. Previous versions of Samsung Pay used both MST and NFC technology, but in 2021, Samsung began phasing the former out.\"}),/*#__PURE__*/e(\"p\",{children:\"Despite this, Samsung Pay is just as convenient and safe as all other digital wallets.\"}),/*#__PURE__*/e(\"h3\",{children:\"Venmo\"}),/*#__PURE__*/e(\"p\",{children:'Venmo\u2019s use is slightly different from other digital wallets. It\u2019s described as a \"cash-free way of sending and receiving money.\" Many use it to split bills or send money seamlessly to whomever you like. This digital wallet has become so popular that it\u2019s resulted in a fun colloquial term, \"You can just Venmo me.\" For the Dutchies, this is the equivalent of \u201CYou can just Tikkie me\u201D. But we prefer \u201Cbunq.me\u201D.  '}),/*#__PURE__*/t(\"p\",{children:[\"Venmo\u2019s functionality extends further than that. You can create a \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"maestro-vs-mastercard-key-differences\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"fIYtvqcU5\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"virtual Mastercard\"})}),\", which allows you to make purchases anywhere that accepts Mastercard. The app also allows you to buy and sell cryptocurrency within it, and quite a bit more. \"]}),/*#__PURE__*/e(\"p\",{children:\"Right now, it\u2019s only available in the United States.\"}),/*#__PURE__*/e(\"h3\",{children:\"CashApp\"}),/*#__PURE__*/e(\"p\",{children:\"CashApp works just like Venmo. You can set up a digital virtual card, request and receive payments, and set up direct deposits. CashApp also allows you to invest in stocks and crypto coins.\"}),/*#__PURE__*/e(\"p\",{children:\"This digital wallet is only available in the US and the United Kingdom currently.\"}),/*#__PURE__*/e(\"h3\",{children:\"Amazon Pay\"}),/*#__PURE__*/e(\"p\",{children:\"As mentioned, Amazon Pay is a closed digital wallet. You\u2019ll only be allowed to use Amazon Pay on Amazon.com, so you don\u2019t get some of the digital wallet benefits that come with other types of e-wallets. \"}),/*#__PURE__*/e(\"p\",{children:\"There are some unique features with Amazon Pay, though. Because the wallet is linked to your Amazon account, you can make payments with your voice using Alexa. Oftentimes, there are special offers on products that are only available to Amazon Pay customers, bringing you ease of use and savings. \"}),/*#__PURE__*/e(\"h2\",{children:\"What are crypto wallets?\"}),/*#__PURE__*/e(\"p\",{children:\"With crypto growing in popularity, you\u2019ve probably wondered about crypto wallets. While they may seem similar to digital wallets, except for cryptocurrency, they\u2019re quite different.\"}),/*#__PURE__*/e(\"p\",{children:\"Crypto wallets don\u2019t store or hold currencies, they simply store your cryptocurrency passwords. This essentially just gives you the ability to access and manage all your crypto in one secure place.\"}),/*#__PURE__*/e(\"h2\",{children:\"Benefits of digital wallets\"}),/*#__PURE__*/e(\"p\",{children:\"There are several benefits to going cardless and using a digital wallet:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Secure and safe\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Contactless\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Reduces fraud\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Easy, streamlined, and convenient\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Digital wallets: a complete guide\"}),/*#__PURE__*/e(\"p\",{children:\"Using a digital wallet is easy. Setting one up too. The difficult part is choosing the right one for your needs.\"}),/*#__PURE__*/t(\"p\",{children:[\"So, when looking around, consider bunq \u2013 a banking app that offers a digital wallet and full control over your money, right on your smartphone. \",/*#__PURE__*/e(o,{href:{webPageId:\"RAcKLSXrV\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Compare our plans today\"})}),\" and \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"join the digital world of banking\"})}),\".\"]})]});export const richText8=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Did you know that, in 2021, roughly \",/*#__PURE__*/e(o,{href:\"https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Migration_and_migrant_population_statistics\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"23.7 million people \"})}),\"in the EU were non-EU citizens? Whether you're moving to Europe for work or school, or simply want to experience all Europe has to offer, you'll need to prepare yourself financially.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Part of moving overseas requires specific knowledge of expat banking. There are easy steps you can follow if you're looking to open an account, get a \",/*#__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(n.a,{children:\"local IBAN\"})}),\", or transfer money to relatives back home. Whatever bank you choose to go with, they should provide assistance with all this and more.\"]}),/*#__PURE__*/e(\"h2\",{children:\"How to open an account\"}),/*#__PURE__*/e(\"p\",{children:\"Expats and citizens of the EU have busy schedules, and opening a bank account traditionally requires a lot of time-consuming paperwork and lengthy trips to the bank. This is what makes bunq a great solution. bunq is a European digital bank dedicated to serving EU citizens and expats. Simply click this link to begin the application process. bunq also offers personal and business bank accounts, so all your needs are met in one convenient digital location. When expats look to open accounts with brick-and-mortar banks, they may encounter higher fees and service limitations. bunq works to make all transactions as seamless as possible, saving you time and money. Although requirements vary from a financial institution to financial institution, the following documents are usually requested no matter where you go:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"National ID or valid passport book\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Provide proof of an address in a European country (rental agreement, utility bill, proof of employment, or proof of enrollment in a school)\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You may also be asked for an income statement or your tax ID number. It may take time to get your documents together, so the sooner you prepare to open an account, the better. If you're unable to get these papers together, you can always look for another bank that has different requirements.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Essential features to look for\"}),/*#__PURE__*/e(\"p\",{children:\"It's important to remember that a bank can't refuse your basic payment account application if the bank is established in a country in which you don't reside.\"}),/*#__PURE__*/t(\"p\",{children:[\"To avoid refusal from a bank, you'll have to comply with \",/*#__PURE__*/e(o,{href:\"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"European rules\"})}),\" regarding terrorist financing and money laundering. Your basic bank account should allow you to do the following:\"]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Make deposits\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Withdraw cash\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Receiving and carrying out payments (this may include direct debits and/or purchases with your credit card)\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Your new basic bank account should include a payment card. This will allow you to make purchases and withdraw cash. You should be able to use this card online and in stores. If offered to other customers, the bank you choose should provide you with access to its online banking services. Keep in mind that an overdraft may not be included, along with a credit facility. Depending on which European banks you use, you may be charged a reasonable annual fee for a basic payment account. The fee should be reasonable. While your account may be free, there may be a monthly maintenance fee.\"}),/*#__PURE__*/e(\"h2\",{children:\"What's a Local IBAN?\"}),/*#__PURE__*/t(\"p\",{children:[\"The International Organization for Standardization (ISO) \",/*#__PURE__*/e(o,{href:\"https://www.investopedia.com/ask/answers/100214/whats-difference-between-iban-and-swift-code.asp#:~:text=the%20international%20transaction.-,International%20Bank%20Account%20Number%20(IBAN),the%20transaction%20details%20are%20correct.\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"established IBAN\"})}),\" to provide an easy identification process of the country where the bank is located, along with the account number of the money transfer recipient.\"]}),/*#__PURE__*/e(\"p\",{children:\"Your IBAN will have a two-letter country code, a two-digit check digit, and a BBAN, or Basic Bank Account Number attached to it.\"}),/*#__PURE__*/e(\"p\",{children:\"Your IBAN plays an integral role in identifying the bank involved with the transfer and the individual bank account. For every account you have, you'll receive a specific IBAN number.\"}),/*#__PURE__*/e(\"p\",{children:\"If you can't locate your IBAN on your statement, your bank should be able to provide it. Your IBAN allows you to receive international transfers, whether they're personal or work-related. You don't, however, need an IBAN for transfer set forth by you or for any withdrawals.\"}),/*#__PURE__*/e(\"p\",{children:\"Although the US and Canada don't use IBANs, as they\u2019re primarily used in the EU, they do recognize IBANs and process payments from international IBAN transactions.\"}),/*#__PURE__*/e(\"h2\",{children:\"Banking with bunq\"}),/*#__PURE__*/e(\"p\",{children:\"If you're an expat looking for the most convenient, stress-free way of opening a bank account, then bunq has you covered. bunq is internationally-focussed, saving you money when travelling abroad, and making international transfers a breeze.\"}),/*#__PURE__*/e(\"p\",{children:\"Here's how bunq can help:\"}),/*#__PURE__*/e(\"h3\",{children:\"Wise\"}),/*#__PURE__*/e(\"p\",{children:\"As an expat, you need the availability to make international bank transfers anywhere, at any time. Your bunq app comes equipped with Wise, allowing you to effortlessly make and receive bank transfers. Even better, you can complete these transfers in over 40 different currencies.\"}),/*#__PURE__*/e(\"p\",{children:\"It's as simple as opening the app, making a payment, selecting your currency, entering the amount, choosing the recipient, and sending the payment. No mess, no stress. It's that simple.\"}),/*#__PURE__*/e(\"h3\",{children:\"Travel Free Exchange Rate\"}),/*#__PURE__*/e(\"p\",{children:\"Unlike traditional banks that charge you every time you use your card for a foreign currency payment, bunq works to save you those fees. Instead of charging you fees, bunq helps you save money.\"}),/*#__PURE__*/t(\"p\",{children:[\"When spending abroad, bunq saves you \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"zero-fx\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"h2HvVEiCB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"up to 3%\"})}),\". All you have to do is live your life, enjoy your travels, and use bunq for your payments.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Support Languages\"}),/*#__PURE__*/e(\"p\",{children:\"While traditional banks may only offer a few language options, bunq works tirelessly to be multi-cultural. You can choose from any of the following languages when accessing your bunq app.\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"English\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"German\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Dutch\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"French\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Italian\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Spanish\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Ukrainian\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Russian\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Open an account with bunq today\"}),/*#__PURE__*/e(\"p\",{children:\"Remember that essential banking features include making deposits, withdrawing cash, and receiving as well as carrying out payments.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're an expat in Europe, you can open an account with bunq today. Join us and experience the ease of using our mobile banking app.\"})]});export const richText9=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"With international travel and digital nomad becoming the norm, having the ability to quickly collect and exchange currency has never been more important.\"}),/*#__PURE__*/e(\"p\",{children:\"That\u2019s why it\u2019s crucial to understand what currency exchange is and how it all works. This will help you find the best ways to manage your finances.\"}),/*#__PURE__*/e(\"p\",{children:\"Looking for a complete currency exchange guide? You\u2019ve found it. Here\u2019s everything you need to know about currency exchanges and how to exchange money.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are currency exchanges?\"}),/*#__PURE__*/e(\"p\",{children:\"Almost every country in the world has its own unique currency (of course, many EU countries pretty conveniently share the \u20AC). This means that when you visit or move to another country, you will need to convert your money to the local currency. This process is called currency exchange.\"}),/*#__PURE__*/e(\"p\",{children:\"Banks and currency exchange institutions around the world specialize in this. These exchange departments will keep foreign currency in stock to allow you to exchange your money for the local currency.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does currency exchange work?\"}),/*#__PURE__*/e(\"p\",{children:\"A currency exchange works by taking in one currency and replacing it with another for the same value. Currency exchanges are dependent on two major metrics. The first is the amount of currency you want to exchange, and the second is the exchange rate.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are exchange rates?\"}),/*#__PURE__*/t(\"p\",{children:[\"When exchanging one currency for another, the exchange rate is the most important part of the process. The exchange rates are a \",/*#__PURE__*/e(o,{href:\"https://corporatefinanceinstitute.com/resources/knowledge/economics/exchange-rate/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"simple metric\"})}),\" that tells you how much of one currency is equal to 1 unit of the other currency.\"]}),/*#__PURE__*/e(\"p\",{children:\"This works for all currency exchanges around the world. Whether you want to convert EUR to USD or EUR to GBP, the exchange will swap your money according to the exchange rate. This rate constantly changes throughout the day. This means that the exchange rate in the morning is not the same rate you may get in the evening.\"}),/*#__PURE__*/e(\"p\",{children:\"This is one of the biggest issues when it comes to exchanging currency. You could potentially exchange all your money before your holiday only to find out that the exchange rate got better for you a few hours later.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are exchange rate fees?\"}),/*#__PURE__*/e(\"p\",{children:\"Exchange rate fees are the added cost that banks and traditional currency exchanges impose on you. This fee is generally added to your bill so that you just receive less of the local currency when you make the exchange.\"}),/*#__PURE__*/e(\"p\",{children:\"Different banks and financial institutions have different fee structures. However, most include both a flat rate and a percentage of the currency you wish to exchange.\"}),/*#__PURE__*/e(\"p\",{children:\"This means that if you want to exchange $10,000 for \u20AC, traditional exchangers may take a flat $10 fee plus 3% of the entire $10,000 sum. This means that you will end up paying $310 just in exchange fees.\"}),/*#__PURE__*/e(\"h2\",{children:\"How long can exchanging money take?\"}),/*#__PURE__*/e(\"p\",{children:\"Exchanging money at traditional currency exchanges can take anything from a couple of minutes to weeks. This is completely dependent on whether they have the currency you\u2019re looking for in stock. Currency exchanges hold foreign currency in stock to exchange, but if they just made a big exchange for someone else, they may not have enough for you.\"}),/*#__PURE__*/t(\"p\",{children:[\"This means that you would need to wait for more of that currency to be delivered to the bank or financial institution. This process can take days and even weeks if there\u2019s a \",/*#__PURE__*/e(o,{href:\"https://www.investopedia.com/articles/economics/08/currency-crises.asp\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"real shortage of that currency\"})}),\" in the market. This will also raise the exchange rate, making things more expensive.\"]}),/*#__PURE__*/e(\"p\",{children:\"This delay is not just annoying but can also be a real risk. If you don\u2019t manage to exchange your money in time, it can have an effect on your travel plans. This is why instant foreign exchange features are so useful, as they let you travel with confidence, knowing that you can pay anywhere, in any currency.\"}),/*#__PURE__*/e(\"h2\",{children:\"How can you exchange currencies quickly?\"}),/*#__PURE__*/e(\"p\",{children:\"There are a few major ways you can exchange currency. The traditional ways are with your bank or a trusted financial exchange institution. These specialized departments will hold foreign exchange on hand for you so that you can swap your local finances for foreign cash.\"}),/*#__PURE__*/e(\"p\",{children:\"While some banks will offer cards that can hold foreign currencies, most of these exchanges deal directly with cash. Either way, you will need to convert your currency for foreign exchange all at once before your trip.\"}),/*#__PURE__*/t(\"p\",{children:[\"This is why making payments completely electronically is preferred nowadays. With bank accounts like bunq, you\u2019ll be able to pay anywhere in the world without having to worry about the currency exchange. bunq will work in the background to get you the \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"zero-fx\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"h2HvVEiCB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"best possible exchange rate\"})}),\", and settle the payment in the \",/*#__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(n.a,{children:\"local currency\"})}),\" for you.\"]}),/*#__PURE__*/e(\"p\",{children:\"This is a form of instant exchange, as you\u2019ll also benefit from getting the latest and most accurate Mastercard exchange rate with bunq ZeroFX. This means that you won\u2019t need to take the risk of exchanging all your money before your trip but can exchange exactly what you need, when you need it.\"}),/*#__PURE__*/e(\"h2\",{children:\"Exchange money quickly with bunq\"}),/*#__PURE__*/e(\"p\",{children:\"Having a bank account that can exchange money instantly can make the entire currency exchange process a lot easier for you. Unlike traditional banks that will charge you a hefty fee every time you want to spend your own money abroad, bunq lets you tap, swipe, and pay in the local currency with no extra exchange fees.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you want to learn more about bunq and all the benefits that come with it, feel free to \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"what-you-should-know-about-foreign-currency-exchange\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"CKi1ePAIP\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"view our benefits and plans here\"})}),\".\"]})]});export const richText10=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Money transfers can be very useful in people's personal and business lives. Sending money from one bank account to another is typically fairly simple - until you want to send it overseas. That's where \",/*#__PURE__*/e(o,{href:{pathVariables:{VXx9Yv9cA:\"foreign-currency-payments\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"Ocf_A7YBD\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Wise\"})}),\" comes in, helping make the entire process easier and cheaper.\"]}),/*#__PURE__*/e(\"p\",{children:\"So what is Wise, and what does it do? \"}),/*#__PURE__*/e(\"h2\",{children:\"What is Wise?\"}),/*#__PURE__*/e(\"p\",{children:\"Wise (updated from TransferWise) is an online platform that anyone can use to transfer money between two bank accounts, regardless of location. Making a domestic money transfer has always been relatively simple, but an international money transfer can be more tricky and comes with more fees.\"}),/*#__PURE__*/e(\"p\",{children:\"In the past, the only viable way to do this was through an international wire transfer. The main issue with this is that it can take a long time, and banks rarely offer a good currency exchange rate.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is Wise used for?\"}),/*#__PURE__*/e(\"p\",{children:\"Anytime you want to transfer money internationally, Wise is one of the best solutions. You can use it to send money to someone else, or even another account of your own, in another country. Wise began at its headquarters in London back in 2011, but there are now offices all over the world.\"}),/*#__PURE__*/e(\"p\",{children:\"A cross-border transfer made through Wise feels incredibly simple for the user, but there's actually quite a bit going on behind the scenes to make it work. Wise has various accounts in different countries, so when you make a wire transfer you send it to one of these accounts. Wise will then send the same amount of money from one of their other accounts in the recipient's country to the intended account.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, if you're sending money from the US to Australia, you'll send money from your US bank account to an account held by Wise in the US. They'll then send money from an Australian account that they hold to the recipient's Australian account.\"}),/*#__PURE__*/e(\"h2\",{children:\"How can Wise save you money?\"}),/*#__PURE__*/e(\"p\",{children:\"Although Wise is used to send money internationally, they actually save you money by avoiding international wire transfers. The money you send them never leaves the originating country, so there are no international transfer fees, which can usually be quite significant.\"}),/*#__PURE__*/e(\"p\",{children:\"Wise makes a profit by charging a small fee on every transaction. This is beneficial for you because this fee is always less than what you would pay for an international wire transfer through a regular bank.\"}),/*#__PURE__*/e(\"p\",{children:\"You can see what fees you'll have to pay and how much you'll receive at the other end by using the calculator on the Wise homepage without even having to set up an account.\"}),/*#__PURE__*/e(\"h2\",{children:\"Competitive, transparent rates\"}),/*#__PURE__*/e(\"p\",{children:\"Sometimes when an organization charges extra fees, they hide these so that people don't realize how much they're being charged. Wise makes it very clear how much you're charged in fees, and what they're for. They're confident in doing this as they boast prices that are up to 13x cheaper than other methods.\"}),/*#__PURE__*/e(\"p\",{children:\"Wise currently supports both sending and receiving in 22 currencies, and sending (not receiving) in 27 additional currencies. Note that the fees can vary for different currencies, but these will still all be displayed when making a transfer.\"}),/*#__PURE__*/e(\"p\",{children:\"When you're sending money, there's also a \\\"guaranteed rate\\\" feature. This locks in an exchange rate so that when you hit send, that's the exact rate you'll get.\"}),/*#__PURE__*/e(\"h2\",{children:\"Integrating Wise with a bunq account\"}),/*#__PURE__*/t(\"p\",{children:[\"As a mobile bank, bunq is easy to set up and offers various plans to meet the needs of any user. We also take pride in being one of the \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"what-is-wise-and-how-does-it-work\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"I1u6GI1La\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"most sustainable\"})}),\" banking organizations out there.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Wise is \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"what-is-wise-and-how-does-it-work\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"I1u6GI1La\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"integrated into the bunq app\"})}),\", allowing you to directly use Wise features. This makes it incredibly easy to transfer money online domestically, or internationally. You simply send your money in the same way you usually would but choose the currency you want to send it in, then the app will handle the rest.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Banking with bunq and Wise\"}),/*#__PURE__*/e(\"p\",{children:\"As a bunq user, you can handle everything from your phone. Choose from a variety of plans for business and personal accounts and get the perfect match.\"}),/*#__PURE__*/t(\"p\",{children:[\"Thanks to our integration with Wise, it's never been easier to send money internationally. You can get started with a free 30-day trial to try bunq out. \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Join today and explore the advantages!\"})})]})]});export const richText11=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Buying your first home!\"}),/*#__PURE__*/e(\"p\",{children:\"We know the thought of it can be pretty overwhelming, and while you know you need a mortgage, you probably don\u2019t know where to start or how long the whole process will be. We\u2019re here to make things easy for you.\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve partnered with Tulp to help you through this journey, offering a competitive option for first-time buyers who need quick and easy support to purchase a home. Once you apply for a mortgage with us, we\u2019ll make sure to update you within 24 hours! Save weeks of waiting and wondering.\"}),/*#__PURE__*/e(\"p\",{children:\"In true bunq style, you can also rest assured that we\u2019re always thinking green. These mortgages are designed to support sustainability-minded consumers, for example, through the installation of home insulation and solar energy - with loans up to 106% of the value of the property.\"}),/*#__PURE__*/e(\"h2\",{children:\"Excited?\"}),/*#__PURE__*/t(\"p\",{children:[\"You can \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/48471\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"learn more about Easy Mortgages here\"})}),\". Ready to go? Get started right away, \",/*#__PURE__*/e(o,{href:\"https://mortgages.bunq.com/find-advisor\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"by simply filling out the form here\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Please keep in mind that for now this is only available to our lovely users located in the Netherlands.\"})})]});export const richText12=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"It has become increasingly challenging to win approval for a home mortgage from traditional banks. All over the world, first-time homebuyers are finding it tougher than before to secure funding from a lender. Instead, they\u2019re continuing to rent, adding to the investment portfolios of others instead of enjoying the opportunity to grow their own wealth and live in their very own home. bunq wants to change that, making it easier for homebuyers to secure a fair loan with reasonable terms.\"}),/*#__PURE__*/e(\"h2\",{children:\"Buying a House: the Challenges\"}),/*#__PURE__*/e(\"p\",{children:\"Why is it becoming more difficult to buy a house? Home prices are rising, and not only that; they\u2019re increasing but many salaries aren\u2019t increasing at a similar rate. Stagnant earnings and higher housing prices make it difficult and, in many cases, impossible for people to secure a traditional bank mortgage.\"}),/*#__PURE__*/e(\"p\",{children:\"Higher interest rates, heftier down payments, and steep mortgage payments lend little more than discouragement to people who simply want to live with their own roof above their heads. The status quo has many people scratching their heads, and trying to devise solutions to make it easier for everyone to secure affordable homes and mortgages.\"}),/*#__PURE__*/e(\"h2\",{children:\"Money Investment with bunq\"}),/*#__PURE__*/e(\"p\",{children:\"As a bunq user, you get \u201CFreedom of Choice,\u201D which means that you decide how bunq invests the money you store with us. In the app, you can easily select where your money goes. One of the options you can choose is to invest in personal mortgages. This very simple action allows you to be part of the solution of the problems outlined above, empowering first-time homebuyers to make their dream of real estate ownership come true. At bunq, we provide our users with choice. Invest in green businesses, all companies, or personal mortgages. Choosing to invest in personal mortgages means that you can reduce the challenges associated with mortgage acceptance.\"}),/*#__PURE__*/e(\"p\",{children:\"Keeping money in your bunq account means you get full transparency of what happens to it. We invest funds ethically, responsibly, and give our users the choice in what happens to their money and interest. Freedom of Choice signals a new era in digital banking and investment.\"}),/*#__PURE__*/e(\"h2\",{children:\"Make Buying a House Easier: Investing in Personal Mortgages\"}),/*#__PURE__*/e(\"p\",{children:\"If you want to help others enjoy home ownership with fair mortgage terms, simply open a bunq account and follow these steps:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Head to your Profile in the bunq app\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Click on the setting icon at the top right of the page\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Choose \u201CFreedom of Choice\u201D\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Select \u201CPersonal Mortgage\u201D\"})})]}),/*#__PURE__*/e(\"p\",{children:\"In just four simple steps, you can help make it easier for someone you may know to secure a home loan with reasonable terms.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Visit bunq\"})}),\" to learn more and help us make someone\u2019s dream of home ownership come true.\"]})]});export const richText13=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"That is the basic idea behind getting insurance to protect all aspects of modern life. And thus, saving you from potential financial loss.\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re not sure what types of insurance policies you need to get to protect yourself, then you\u2019re in the right place. We\u2019ve created the guide below to inform you of the best insurance policies to have in place as a young professional living in 21st-century Europe.\"}),/*#__PURE__*/e(\"h2\",{children:\"Health insurance\"}),/*#__PURE__*/e(\"p\",{children:\"The first thing you need to do is ensure you have access to adequate health care whenever and wherever you need it. In the unfortunate event of being in a car accident or if you\u2019re in sudden need of an appendectomy, you\u2019ll not want to sit around and worry about paying out of pocket in such situations.\"}),/*#__PURE__*/e(\"p\",{children:\"Not only is healthcare getting more expensive as time goes on, but the burden of taking care of health issues is falling upon the consumer rather than the government or their workplace.\"}),/*#__PURE__*/e(\"p\",{children:\"With health insurance in place for you and your entire family, you\u2019ll be reassured that you\u2019re protected and safe.\"}),/*#__PURE__*/e(\"h2\",{children:\"Car insurance\"}),/*#__PURE__*/e(\"p\",{children:\"If you have an automobile you rely upon to get you back and forth to work, then you\u2019ll want to get car insurance. This way you can protect yourself in the following ways:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"In case your car gets totalled, the insurance company will pay for a new one\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Some car insurance policies also cover your medical bills\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You are protected from liability and lawsuits from the other side\"})})]}),/*#__PURE__*/e(\"p\",{children:\"This does not mean, of course, that you can drive recklessly and without a care in the world. Car insurance policies can be quite costly if you\u2019re not a good driver. So follow the rules of the road, but know that you\u2019re protected in case you get into a car accident.\"}),/*#__PURE__*/e(\"h2\",{children:\"Disability insurance\"}),/*#__PURE__*/e(\"p\",{children:\"This is another kind of insurance that lots of folks should be getting, but are not. If your family relies upon your income exclusively and you get disabled due to some unforeseen circumstance, your family could be completely destitute. They might even have to apply for welfare or declare bankruptcy.\"}),/*#__PURE__*/t(\"p\",{children:[\"That is why having disability insurance that protects you in case of injury or something worse than that is so crucial. This is even more important if you work in a \",/*#__PURE__*/e(o,{href:\"https://www.careeraddict.com/dangerous-jobs\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"physically dangerous role\"})}),\", like a firefighter or a factory worker.\"]}),/*#__PURE__*/e(\"p\",{children:\"Your organization might have some coverage in place for you, but it\u2019s always better to have additional benefits in place, so you\u2019re protected from financial loss.\"}),/*#__PURE__*/e(\"h2\",{children:\"Renters or home insurance\"}),/*#__PURE__*/t(\"p\",{children:[\"Besides your health, your other two valuable assets are probably \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"own-your-first-home-with-a-bunq-mortgage\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"kgzT1CcBr\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"your home\"})}),\" and your automobile. That\u2019s why protecting all three of these should be a priority of yours.\"]}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re a renter, then getting renter\u2019s insurance is probably mandatory for you, based on your lease or rental agreement. Even if not, it\u2019s always a good idea to have such coverage in place.\"}),/*#__PURE__*/e(\"p\",{children:\"You can even set up a high deductible so your monthly insurance premium is low enough for it to be inconsequential. This way, even though you\u2019ll have to pay a bigger amount out of pocket if something happens, at least your monthly expense will be lowered.\"}),/*#__PURE__*/e(\"h2\",{children:\"Critical illness insurance\"}),/*#__PURE__*/e(\"p\",{children:\"Nowadays, as chronic diseases are becoming more common, getting critical illness insurance is becoming more crucial. Even more so, if you have a history of such chronic diseases in your family.\"}),/*#__PURE__*/e(\"p\",{children:\"Critical illness insurance will give you a lump sum amount if you end up getting any of the chronic conditions listed on the policy. When you\u2019re already dealing with such a terrible diagnosis, it can be nice to know that at least you don't have to worry about financial loss.\"}),/*#__PURE__*/e(\"p\",{children:\"With the lump sum amount, you can pay your bills for a while, until you nurse yourself back to health. Or you can pay your family\u2019s monthly expenses. Critical illness insurance policies usually do not care how you spend the money; it\u2019s entirely up to your discretion.\"}),/*#__PURE__*/e(\"h2\",{children:\"Travel insurance\"}),/*#__PURE__*/e(\"p\",{children:\"This is a minor one, but still, something to consider. Wherever you go traveling, it\u2019s a good idea to get travel insurance.\"}),/*#__PURE__*/e(\"p\",{children:\"Depending on the policy and coverage you choose, you\u2019ll be protected in case of baggage loss, flight delays or other issues, and maybe even medical issues. Some travel insurance policies will cover you in case you contract Covid-19 and need to quarantine in a hotel.\"}),/*#__PURE__*/e(\"p\",{children:\"If you only travel once a year, it probably makes sense to get a \u201Cone-time\u201D travel insurance. However, if you\u2019re an avid traveler, you\u2019ll save money by getting yearly insurance. It can give you that much-needed peace of mind when going abroad.\"}),/*#__PURE__*/e(\"h2\",{children:\"Protect yourself from financial loss using insurance\"}),/*#__PURE__*/e(\"p\",{children:\"There are many different types of insurance policies out there. You don\u2019t necessarily need to get all of them, since you might be overinsured and spending way too much money on insurance premiums.\"}),/*#__PURE__*/e(\"p\",{children:\"But the above mentioned should be enough to protect you from financial loss.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re looking for a bank that helps you stay on top of things (like insurance) and saves you money every day, check out bunq. \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Download our app\"})}),\" to see how we can make your banking experience seamless.\"]})]});export const richText14=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"So far, the community has planted over 6 million trees! All of this is possible thanks to a partnership with the \",/*#__PURE__*/e(o,{href:\"https://www.edenprojects.org/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Eden Reforestation Projects\"})}),\". Wondering why we chose mangroves, and what\u2019s the importance of these trees? Read on!\"]}),/*#__PURE__*/e(\"h2\",{children:\"So what are mangroves?\"}),/*#__PURE__*/e(\"p\",{children:\"Mangroves are tropical trees. What\u2019s so special about them is that they can thrive in conditions most other trees couldn\u2019t: salty waters and the constant flow of the tide. They\u2019re actually the only species of trees in the world that can tolerate saltwater.\"}),/*#__PURE__*/e(\"h2\",{children:\"Mangroves and CO2\"}),/*#__PURE__*/t(\"p\",{children:[\"Mangroves have the ability to store large amounts of carbon dioxide - up to four times as much carbon as other tropical forests. \",/*#__PURE__*/e(o,{href:\"https://www.sciencedaily.com/releases/2011/04/110404173247.htm\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"A 2018 study\"})}),\" calculated that the world\u2019s mangrove forests suck up more than 6 billion tons of carbon a year. This clearly makes them a really important player in the fight against climate change. Problem is, they\u2019re under threat worldwide. It\u2019s up to us to make sure we make active efforts in protecting what\u2019s left, and creating more. To put it simply, we gotta help them, so they can help us.\"]}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re curious about where bunqers\u2019 trees are being planted to help with reforestation, \",/*#__PURE__*/e(o,{href:\"https://explorer.land/x/project/kenya/site/Zl0ZON/about\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"you can find more info right here\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"Mangroves and the sea life\"}),/*#__PURE__*/e(\"p\",{children:\"But mangroves don\u2019t only support humans. The underwater habitat that they create serves as an environment for thousands of fish species, from tiny ones to 3 meter sharks. These species usually find comfort in the seagrass beds while they grow, and head into the ocean as adults.\"}),/*#__PURE__*/e(\"h2\",{children:\"Mangroves and the people\"}),/*#__PURE__*/e(\"p\",{children:\"Moreover, mangroves help stabilize shorelines by preventing erosion. This doesn\u2019t only protect the land, but all the people who live there too, making it less likely for them to be victims of storms. The forests provide resources that coastal people depend on. At low tide, people can collect clams, shellfish, or shrimp. At high tide, the land becomes a rich fishing ground.\"}),/*#__PURE__*/t(\"p\",{children:[\"The mangroves that bunq plants through Eden Reforestation Projects are also meant to offset the high demand of mangroves that comes from the people living around the sites, \",/*#__PURE__*/e(o,{href:\"https://explorer.land/x/project/kenya/site/Zl0ZON/about\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"in The Kwasasi and Magumba\"})}),\". As they need mangroves poles for firewood, boats, and building houses, deforestation is an issue. Through the employment of local villagers and the planting of thousands of native trees, Eden\u2019s Kenya team works to restore their environment while lifting the local community out of extreme poverty.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Mangroves - the wonder trees\"}),/*#__PURE__*/t(\"p\",{children:[\"For all the reasons above, we chose to plant mangroves in the names of all \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"how-bunq-plants-trees-and-promotes-sustainability\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"dE4wpozr0\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"bunq Elite\"})}),\" users. Since mangroves face numerous threats, we\u2019re dedicated to playing our part in making sure that these forests grow, giving the planet the lungs it needs. And you can be part of this too - with zero effort.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Wanna learn more about our green efforts? \",/*#__PURE__*/e(o,{href:{webPageId:\"nn0cIBvGp\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Check out this page.\"})})]})]});export const richText15=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When it comes to the company you\u2019re running, no matter how big or small, the goal of a sustainable business strategy is to positively impact the environment and society. In short, that\u2019s what you\u2019re aiming for when trying to make your business more sustainable.\"}),/*#__PURE__*/e(\"p\",{children:\"There are a couple of things to keep in mind and take action on (remember, it speaks louder than words!):\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Use sustainable products and services\"}),/*#__PURE__*/e(\"p\",{children:\"Whatever you do, chances are you need certain products or services to run your business. Sustainability doesn\u2019t just start with you, but it\u2019s a whole journey. Whether it\u2019s using sustainable materials in the manufacturing process, the paper and pens in your office, or even the way you do your bookkeeping - there\u2019s always a way to make greener choices. If you have an office or a physical place to work from, you can also look into sustainable energy sources.\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Offer remote possibilities\"}),/*#__PURE__*/e(\"p\",{children:\"How you handle transportation to and from work is a big part of your sustainable efforts. If all your employees need to drive to work, this is a negative impact that can easily be avoided by offering remote possibilities. If the industry you\u2019re in doesn\u2019t allow working from home, see if you can cover costs for public transport (fully or partially).\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Make it a priority\"}),/*#__PURE__*/e(\"p\",{children:\"If you build your whole strategy based on sustainability, you\u2019re already ahead of the curve. Many businesses are trying to \u201Cmake it\u201D first, or only act when in the middle of a scandal, which is usually after they\u2019ve already done a lot of damage. Start with sustainability at the core. Have targets and make sure you\u2019re compliant with the industry\u2019s green standards too.\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Last but not least - make sustainable products\"}),/*#__PURE__*/e(\"p\",{children:\"It goes without saying that even if you follow everything above, if the product or service you offer isn\u2019t sustainable, your efforts are almost in vain. Be mindful of the whole product journey - from how it\u2019s made to how it\u2019s being disposed of. Keep in mind packaging and distribution. At the end of the day, a truly sustainable company has a product that changes the environment and society for the better.\"}),/*#__PURE__*/t(\"p\",{children:[\"Oh, and once you have a sustainable company\u2026\",/*#__PURE__*/e(o,{href:{webPageId:\"DYh_4p8jO\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"choose a sustainable business bank account to save time every time\"})}),\".\"]})]});export const richText16=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Four years of always putting people first, improving our services and products continuously and at last - supporting bunqers to help them thrive.\"}),/*#__PURE__*/e(\"h2\",{children:\"Let me introduce myself\"}),/*#__PURE__*/t(\"p\",{children:[\"I\u2019m Ramona, born and bred in Amsterdam. About half a year ago, I joined HR Operations, after my time in the beautiful Support team. How did that happen? When I started back in 2018, I was looking for a company that offers a product or service that I could fully support. bunq\u2019s take on being different, not investing in any shady business, and always putting users first made me decide to apply for the role of \",/*#__PURE__*/e(o,{href:\"https://medium.com/bunq/how-its-like-to-be-a-guide-at-bunq-2a7728d00d27\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"First Line Guide\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"Team started small\"}),/*#__PURE__*/e(\"p\",{children:\"Yep, that was it. It\u2019s great to see how the team developed together with the company. It\u2019s also great to see how people that started out in Support are now working in different teams such as Data Engineering, Compliance, Onboarding or DevOps. I remember helping some of them with their first tickets back when I was a trainer!\"}),/*#__PURE__*/e(\"p\",{children:\"Besides training our guides, Chief shift was also my ownership. What\u2019s that, you ask? A program where all bunqers grab and solve support tickets. This is to ensure that everyone in the company has the opportunity to engage with our users and truly understand what their needs are. And although I love our users and always strive to make their experience worthwhile - at some point, I wanted to take on a new role, to develop myself in a different direction.\"}),/*#__PURE__*/e(\"h2\",{children:\"Joining the HR operations team\"}),/*#__PURE__*/e(\"p\",{children:\"I was given the opportunity to join a new team. This time, serving bunqers, our employees! Working in HR has been great so far. Of course, it has its challenges, but there\u2019d be no growth or excitement otherwise. Through everything that comes my way, I have an awesome team and fantastic set of colleagues which make me proud of how far we\u2019ve come and where we\u2019re going. In a world that changes fast, bunq is keen to adapt at the same pace - or faster. You can see it in the many innovative features our teams managed to develop. This requires a strong backbone from the employees. It\u2019s exactly what making a difference is all about - bringing solutions that aren\u2019t there yet, to ease users\u2019 pains as quickly as possible.\"}),/*#__PURE__*/e(\"h2\",{children:\"Secret of success\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s important to keep the company goals in mind at all times, besides your personal goals of course. We\u2019re all here on the same path, on the growth path. It can happen that you get too caught up in details. That\u2019s when you need to see the bigger picture: serve Eva, our user. So every now and then, try to take a step back and get an understanding of what you came here to do, redefine your why if necessary and crystalize the details from there.\"}),/*#__PURE__*/e(\"p\",{children:\"But my most important tip: have proper breaks. Explore, have fun, take some rest and do what you need to recharge your batteries so you can get back and make a difference every day.\"}),/*#__PURE__*/e(\"h2\",{children:\"Inspired by Ramona\u2019s story?\"}),/*#__PURE__*/t(\"p\",{children:[\"We're always hiring! Are you ready to advance your career and challenge yourself? \",/*#__PURE__*/e(o,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Get started and test your bunq fit today.\"})})]})]});export const richText17=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"The bunq community keeps surprising us with how many trees they easily plant every day. We\u2019ve just reached 8.5 million! Every time an \",/*#__PURE__*/e(o,{href:{pathVariables:{HRJVC2Tn4:\"visit-the-bunq-communitys-mangrove-tree\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"sztD5ubFj\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"bunq Elite\"})}),\" user spends \u20AC100, they make the planet greener. Since bunq Update 21, every bunqer can also plant trees by trying their luck with the Wheel of Fortune, inviting friends to join, or recommending Places.\"]}),/*#__PURE__*/t(\"p\",{children:[\"A question we got asked pretty often was \",/*#__PURE__*/e(\"em\",{children:\"\u201Cwhere can we see these trees?\u201D\"}),\" bunq is planting trees in Kenya and Madagascar, places that we, together with Eden Reforestation Projects, identified as perfect for our users to have the biggest impact possible on global warming. However, we still wanted our beautiful community to have something close to them, something that they can always see that represents the millions of trees they\u2019ve already planted.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"We\u2019re happy to announce that as of today, you can visit the bunq adopted mangrove at the Hortus Botanicus, Amsterdam! \"})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"800\",src:\"https://framerusercontent.com/images/3BmiNbeUnp708IVeerIOqnHbVjM.jpeg\",srcSet:\"https://framerusercontent.com/images/3BmiNbeUnp708IVeerIOqnHbVjM.jpeg?scale-down-to=1024 682w,https://framerusercontent.com/images/3BmiNbeUnp708IVeerIOqnHbVjM.jpeg 1066w\",style:{aspectRatio:\"1066 / 1600\"},width:\"533\"}),/*#__PURE__*/e(\"p\",{children:\"We chose to adopt the red mangrove at the Hortus Botanicus, as it\u2019s the exact same species we plant in Madagascar and Kenya. Mangroves have the ability to store large amounts of carbon dioxide - up to four times as much carbon as other tropical forests. This makes them a really important player in the fight against climate change. However, they\u2019re under threat worldwide. It\u2019s up to us to be proactive in protecting what\u2019s left and creating more.\"}),/*#__PURE__*/t(\"p\",{children:[\"Go see the red mangrove at \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/54964\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Hortus Botanicus\"})}),\", and know that behind this one tree, there\u2019s a whole bunq community and an impressive amount of trees planted throughout the years. Together we\u2019ve truly made a difference, and none of this would\u2019ve been possible without YOU. This tree is for all that\u2019s been done, and for all that\u2019s to come - \u2018cause we know you\u2019ll keep making the planet a better place, day by day.\"]})]});export const richText18=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Businesses need to pay their employees; people want to support their family members; donors want to support great causes, wherever they are in the world.\"}),/*#__PURE__*/e(\"p\",{children:\"You probably do it all the time. But have you ever wondered how sending and receiving money actually works?\"}),/*#__PURE__*/e(\"p\",{children:\"Moving money between countries is possible thanks to SWIFT. Also known as a BIC or a SWIFT code, this alphanumeric identifier makes it possible for banks to communicate where your money needs to go. It's the system that keeps money moving all around the globe.\"}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s cover the basics of SWIFT: how it works, why it matters, and where you can find the SWIFT code for your bank.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is a SWIFT code?\"}),/*#__PURE__*/t(\"p\",{children:[\"SWIFT stands for the Society for Worldwide Interbank Financial Telecommunications. \",/*#__PURE__*/e(o,{href:\"https://www.swift.com/about-us\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"A SWIFT code\"})}),\" is a standardized way of identifying a particular bank so that banks can ensure the frictionless transfer of money.\"]}),/*#__PURE__*/e(\"p\",{children:\"The SWIFT system allows banks to send information to one another every time money is transferred between accounts. SWIFT codes let them know which account the money should come from and which account should receive the money. Without the code and all the information it contains, transfers can be delayed or even canceled.\"}),/*#__PURE__*/e(\"p\",{children:\"Think of a SWIFT code as a passport or ID card for banks. It lets every bank in the network know exactly where your money needs to go. It also acts as proof for anyone sending money that they have the correct destination.\"}),/*#__PURE__*/e(\"h2\",{children:\"Is BIC the same as SWIFT?\"}),/*#__PURE__*/e(\"p\",{children:\"Yes, a BIC code and a SWIFT code are the same thing. Some banks prefer to use one term over the other. BIC stands for Bank Identifier Code, and it's used interchangeably with SWIFT. A SWIFT code might also be referred to as a SWIFT BIC code or a BIC SWIFT code.\"}),/*#__PURE__*/e(\"p\",{children:\"Keep in mind that it's important to be sure that you have the right SWIFT code before you transfer any money. If you are in any doubt about whether the code you have is a BIC or SWIFT code, speak to your bank for advice.\"}),/*#__PURE__*/e(\"h2\",{children:\"What do SWIFT codes look like?\"}),/*#__PURE__*/e(\"p\",{children:\"BIC and SWIFT codes all use the same format. They look like a string of 8 to 11 characters, arranged in the order AAAABBCCDDD. Here's what those characters mean:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"AAAA: 4-letter bank code, usually a short version of the name of the bank\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"BB: 2-letter country code, telling you the country where the bank is located\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"CC: 2-character location code made of letters and numbers, telling you where the bank's head office is located\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"DDD: optional 3-number branch code, telling you which branch of the bank will receive the money\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Some banks don't use the 3-number branch code. That means they have an 8-character SWIFT code instead. Their branch code might be left off entirely, or it could be replaced by three X characters.\"}),/*#__PURE__*/e(\"h2\",{children:\"Where can you find your SWIFT code?\"}),/*#__PURE__*/e(\"p\",{children:\"Depending on your bank, you can find your SWIFT code in any of the following places:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"A \",/*#__PURE__*/e(o,{href:\"https://bank.codes/swift-code-search/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"SWIFT code finder\"})}),\" online\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"A bank statement\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The bank's official website\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Wire transfer instructions from your bank\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Anyone who isn't sure what their SWIFT code is should contact their bank directly to ask. If you enter the wrong code, your transaction could be cancelled and you could incur a fee for your mistake. It's smart to make sure you have accurate, verifiable information before you make a transfer.\"}),/*#__PURE__*/t(\"p\",{children:[\"For bunqers, you can check for your \",/*#__PURE__*/e(o,{href:\"https://together.bunq.com/d/1511\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"bunq SWIFT code\"})}),\" on our Together forum. Make sure you use the right one! You can also find it in the app. Tap on your IBAN (for any Bank Account), and you\u2019ll find the SWIFT code there.\"]}),/*#__PURE__*/e(\"h2\",{children:\"How do you use a SWIFT code?\"}),/*#__PURE__*/e(\"p\",{children:\"Making an international transfer is straightforward \u2013 all you need is the right information, ready to use.\"}),/*#__PURE__*/e(\"p\",{children:\"If you have online banking, like bunq, you can make the transfer online or through your banking app. Select the option to transfer money, ensure that you input all the information correctly, and your transfer should be ready to go. Be prepared to wait a few business days for your transfer to complete \u2013 it may have to pass through multiple banks to reach your account.\"}),/*#__PURE__*/e(\"p\",{children:\"Most banks will charge a fee to process an international payment. If you make a transfer online, the bank will usually notify you of the fee before you complete the transfer.\"}),/*#__PURE__*/e(\"h2\",{children:\"Moving money SWIFTly\"}),/*#__PURE__*/e(\"p\",{children:\"The world is getting smaller every day, as more and more people work remotely and live internationally. There's never been a higher demand for international money transfers, and the SWIFT network is here to ensure that your money gets where it needs to go.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you're interested in new ways of thinking about money, why not \",/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"try bunq today\"})}),\"? We're a mobile bank, offering you the freedom to bank remotely from your phone.\"]}),/*#__PURE__*/e(\"p\",{children:\"Keep your money moving with a truly international bank.\"})]});export const richText19=/*#__PURE__*/t(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__*/t(\"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(n.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 richText20=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"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(n.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(n.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__*/t(\"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(n.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__*/t(\"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(n.a,{children:\"Sign up in just 5 minutes.\"})})]})]});export const richText21=/*#__PURE__*/t(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__*/t(\"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(n.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__*/t(\"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__*/t(\"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(n.a,{children:\"our bunq Credit Card\"})}),\". You can conduct transactions with any merchant that accepts credit cards.\"]}),/*#__PURE__*/t(\"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(n.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__*/t(\"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(n.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__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"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__*/t(\"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(n.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__*/t(\"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 richText22=/*#__PURE__*/t(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__*/t(\"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(n.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__*/t(\"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__*/t(\"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(n.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__*/t(\"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(n.a,{children:\"opening an online bank account\"})}),\" includes:\"]}),/*#__PURE__*/t(\"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__*/t(\"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__*/t(\"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(n.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__*/t(\"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(n.a,{children:\"Get a bank account in just 5 minutes and start your 30-day free trial with bunq today!\"})})]})]});export const richText23=/*#__PURE__*/t(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__*/t(\"p\",{children:[/*#__PURE__*/e(o,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.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__*/t(\"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(n.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__*/t(\"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(n.a,{children:\"Click here for a full list of the available currencies in your bunq app\"})}),\".\"]}),/*#__PURE__*/t(\"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(n.a,{children:\"Share them with us here\"})}),\".\"]})]});export const richText24=/*#__PURE__*/t(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__*/t(\"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__*/t(\"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(n.a,{children:\"our jobs page\"})}),\". You may find something that\u2019s just right for you.\"]})]});export const richText25=/*#__PURE__*/t(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__*/t(\"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(n.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__*/t(\"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(n.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__*/t(\"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(n.a,{children:\"sign up. It only takes 5 minutes and it\u2019s free for a month.\"})}),\" \"]})]});export const richText26=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/t(\"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(n.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__*/t(\"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(n.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__*/t(\"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(n.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__*/t(\"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(n.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. 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