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  "sourcesContent": ["import{jsx as e,jsxs as n}from\"react/jsx-runtime\";import{Link as t}from\"framer\";import{motion as a}from\"framer-motion\";import*as o from\"react\";export const richText=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq, we believe it's important to do good and be green, and that's why we've always been committed to tackling climate change. We've addressed issues like deforestation in the past, but we believe it's time to take things further. We're committing to maximizing our impact and setting an example for other fintechs and traditional banks. Join us in our green journey as we work towards a greener future, in line with the Paris Agreement!\"}),/*#__PURE__*/e(\"h2\",{children:\"Our Target: The Paris Agreement\"}),/*#__PURE__*/n(\"p\",{children:[\"The \",/*#__PURE__*/e(t,{href:\"https://unfccc.int/process-and-meetings/the-paris-agreement/the-paris-agreement\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Paris Agreement\"})}),\", which aims to limit the global average temperature increase to 1.5\\xb0C above pre-industrial levels, is a key goal for us at bunq. As a bank, we understand that this means making financial investments that have low greenhouse gas emissions and reducing our own greenhouse gas emissions by half by 2030. We're currently at 8,100 tonnes of CO2, which is a fraction of the average financial institution's carbon footprint.\"]}),/*#__PURE__*/e(\"h2\",{children:\"How we're Getting it Done\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq, we're committed to being a truly climate-neutral bank. Here's how we're going to do it:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"By offering you a climate-neutral service\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"By financing projects that have a direct positive impact on the reduction of CO\u2082\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"By constantly measuring and publishing our climate footprint\"})})]}),/*#__PURE__*/e(\"p\",{children:\"You can find all the details of our plan of action in our sustainability section.\"}),/*#__PURE__*/e(\"h2\",{children:\"How it Benefits You\"}),/*#__PURE__*/e(\"p\",{children:\"As a bunq user, you're already well on your way to a greener future. By using our digital bank, you're saving paper and reducing the need for trips to visit us in person. Additionally, you have the freedom to choose to invest your money in a sustainable way and we never invest in shady industries by default. With our bunq Elite plan, you can earn more trees and extra Cashback by inviting up to 2 friends to your Green Team. They\u2019ll plant a tree for every \u20AC200 they spend and will earn up to 1% Cashback on eligible payments. You\u2019ll plant a tree when they plant a tree and you\u2019ll earn Cashback when they earn Cashback.\"}),/*#__PURE__*/e(\"h2\",{children:\"Planting Trees in Kenya\"}),/*#__PURE__*/n(\"p\",{children:[\"All bunq users automatically plant trees when paying with their bunq card, referring friends, or spinning the Wheel of Fortune in the bunq app. To make this possible, we've partnered with \",/*#__PURE__*/e(t,{href:\"https://www.veritree.com/impact-hub/bunq\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"veritree\"})}),\" for their transparency and dedication to real change. With active projects in Mteza Creek and Tana Salt (both in Southern Kenya), our users are stabilizing coastlines, nurturing marine life, and supporting local livelihoods. Our reforestation activities focus on mangrove trees, each capturing 12.3 CO2 every year, filtering pollutants out of water and providing nurseries for marine life.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/n(\"p\",{children:[\"At bunq, we're committed to doing better and being greener, and we believe that we can have an even bigger impact together. Join us in our efforts to become CO2-free and contribute to a better and greener world for future generations. Start planting trees today and \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"be a part of the bunq community\"})}),\"'s efforts to achieve a greener future.\"]}),/*#__PURE__*/e(\"p\",{children:\"* Based on the average yearly carbon footprint of a European citizen and the average number of trees planted each year by an bunq Elite user. Learn more here.\"})]});export const richText1=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Managing your finances can be a daunting task, but with the help of the right tools, it doesn't have to be. From budgeting to going out with friends, bunq has everything you need to take control of your finances. In this post, we'll take a closer look at all the ways bunq can help you save time and make managing your money a hassle-free experience.\"}),/*#__PURE__*/e(\"h2\",{children:\"Automatic Budgeting with Salary Sorter\"}),/*#__PURE__*/n(\"p\",{children:[\"Gone are the days of manually transferring money from your salary into different accounts for different expenses. With bunq's \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"salary-sorter\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"btwf686p3\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Salary Sorter \"})}),\"feature, you can set how much of your salary you want to go into each of your \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"bank-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"UifzCRx3U\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Bank Accounts\"})}),\", and the app will automatically do it for you every time you get paid. This means you can spend more time enjoying life and less time worrying about budgeting.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Scheduled Requests\"}),/*#__PURE__*/n(\"p\",{children:[\"Paying for shared subscriptions like Netflix can be a pain, especially when someone forgets to pay their share. With bunq's \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"scheduled-requests\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"x5KKG8T5y\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Scheduled Requests\"})}),\" feature, you can set up a recurring date and send a reminder to the people you share subscriptions with. This means you never have to worry about remembering who owes what, and you can save time chasing payments.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Effortless Saving with AutoSave\"}),/*#__PURE__*/n(\"p\",{children:[\"Everyone likes to save money, but not everyone has time to plan for it. With bunq's \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"auto-save\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"gFg2kyvut\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"AutoSave\"})}),\" feature, you can save effortlessly. Open a savings Bank Account and activate AutoSave, and the app will automatically round up your payments and deposit the extra money into your savings account. For example, if you spend \u20AC3.20 on a coffee, the app will round it up to \u20AC4.00 and deposit the \u20AC0.80 into your savings account.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Batch Actions for Multiple Payments\"}),/*#__PURE__*/e(\"p\",{children:\"Settling multiple payments can be time-consuming, but bunq's Batch Actions feature makes it easy. Select as many payments or events as you need to, and settle them all with one tap. Whether you're splitting bills with friends or adding payments to an activity, it only takes a couple of seconds.\"}),/*#__PURE__*/e(\"h2\",{children:\"Instant Deposits with Invoice Scanner\"}),/*#__PURE__*/n(\"p\",{children:[\"If you run a business, you know how much of a headache invoicing can be. Bunq's \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"invoice-scanning\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"QDZLsPuBb\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Invoice Scanner\"})}),\" feature allows you to scan and pay invoices in seconds, saving you time and stress. The app will automatically extract all the necessary information, such as the recipient's details and IBAN, so you can make an instant deposit.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re looking for a way to simplify your finances, bunq\u2019s the app for you. With a variety of features designed to help you save time on budgeting, credit card management, and more, you\u2019ll discover new and easy ways to spend more time enjoying life, and less time worrying about your finances. Give it a try today!\"})]});export const richText2=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Today, and every day, we celebrate the LGBTQIA+ community, emphasizing the importance of inclusivity and promoting gender diversity. In this post, we'll explore the significance of International Day Against Homophobia, Biphobia, Intersexism, and Transphobia (IDAHOBIT), Pride, and how we can all contribute to a more accepting world.\"}),/*#__PURE__*/e(\"h2\",{children:\"Understanding LGBTQIA+\"}),/*#__PURE__*/e(\"p\",{children:\"The International Day Against Homophobia, Biphobia, Intersexism, and Transphobia (IDAHOBIT) is an important day that aims to raise awareness and promote understanding of the LGBTQIA+ community. To really grasp the significance of this day, let's dive into the definitions and explanations of some LGBTQIA+ terms, which revolve around sexual orientation and gender identity.\"}),/*#__PURE__*/e(\"p\",{children:\"Sexual orientation is all about who we're attracted to emotionally, romantically, and sexually. It includes terms like lesbian, gay, bisexual, and pansexual. On the other hand, gender identity is how we deeply feel about ourselves in terms of being male, female, or some other gender. It includes identities like transgender, non-binary, and genderqueer. Understanding these terms is essential for fostering inclusivity and acceptance in society.\"}),/*#__PURE__*/e(\"p\",{children:\"Throughout history, there have been incredible milestones and progress in LGBTQIA+ rights. We've seen the decriminalization of same-sex relationships, the recognition of same-sex marriage, and the implementation of laws against discrimination. These achievements have given hope and validation to countless individuals who have long fought for equality.\"}),/*#__PURE__*/e(\"p\",{children:\"However, despite these positive steps, the LGBTQIA+ community still faces significant challenges. Discrimination remains a major issue, showing up in various forms such as violence, harassment, and unfair treatment in areas like employment and housing. Transgender and intersex individuals encounter specific obstacles, like difficulty accessing appropriate healthcare and legal recognition. Moreover, the lack of inclusivity and understanding often leads to marginalization and social exclusion.\"}),/*#__PURE__*/e(\"p\",{children:\"The International Day Against Homophobia, Biphobia, Intersexism, and Transphobia shines a light on these challenges and provides a platform for advocacy and education. It encourages people and communities to come together, promote empathy, and strive for a more inclusive and accepting society. By celebrating diversity and taking a stand against discrimination, we can create an environment where everyone, regardless of their sexual orientation or gender identity, can live authentically and with dignity.\"}),/*#__PURE__*/e(\"h2\",{children:\"Embracing Pride and IDAHOBIT\"}),/*#__PURE__*/e(\"p\",{children:\"Pride Month holds immense significance as a time to celebrate and honor the LGBTQIA+ community. It's a month-long commemoration filled with events, parades, and gatherings that provide an opportunity for people to express their identities and celebrate their diversity. Pride Month is all about embracing who you are, fostering a sense of belonging, and standing up for equal rights for all.\"}),/*#__PURE__*/e(\"p\",{children:\"Creating safe spaces and fostering inclusivity in our communities is crucial for the well-being and acceptance of LGBTQIA+ individuals. A safe space is a supportive environment where people can be themselves without fear of judgment or discrimination. It's important to actively listen, educate ourselves, and challenge our biases. Being an ally and standing up against homophobia, biphobia, intersexism, and transphobia is essential. By promoting inclusivity in our communities, we can ensure that everyone feels valued, respected, and celebrated for who they are.\"}),/*#__PURE__*/n(\"p\",{children:[\"Building these safe spaces can start with simple acts, such as using inclusive language, respecting pronouns, and acknowledging and celebrating diversity. Educating ourselves about LGBTQIA+ issues and histories can also play a significant role. By advocating for policies that protect the rights of LGBTQIA+ individuals, supporting LGBTQIA+ organizations, and engaging in open and honest conversations, we can work together to create a world where everyone is accepted and valued for their authentic selves. \",/*#__PURE__*/e(t,{href:\"https://www.youtube.com/embed/oiUDK-hFW5k\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Check out our full podcast here!\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Promoting Gender Diversity and Inclusion\"}),/*#__PURE__*/e(\"p\",{children:\"Understanding the spectrum of gender identities is crucial in fostering inclusivity and acceptance. Gender is not a binary concept, and it extends beyond just male and female. The spectrum of gender identities includes transgender, non-binary, genderqueer, and various other identities. Recognizing and respecting this diversity is essential in creating an inclusive society where everyone's gender identity is valued and affirmed.\"}),/*#__PURE__*/e(\"p\",{children:\"Promoting gender diversity is not limited to education and workplaces but extends to society as a whole. In educational settings, it's important to provide comprehensive and inclusive sex education that covers diverse gender identities, relationships, and experiences. By doing so, we empower young people with the knowledge and understanding to navigate the complexities of gender.\"}),/*#__PURE__*/e(\"p\",{children:\"In workplaces, promoting gender diversity involves creating policies and practices that support individuals of all gender identities. This includes implementing inclusive hiring practices, providing gender-affirming accommodations, and fostering a supportive and respectful work environment. When organizations embrace gender diversity, they benefit from the unique perspectives and talents that individuals from diverse gender backgrounds bring to the table. Here at bunq, we believe in a truly diverse and inclusive world where everyone is free to be their truest selves. If you\u2019re looking for a place to work where you\u2019re free to be you without fear of discrimination, be sure to check out our current vacancies here and drop us a line - we would LOVE to hear from you.\"}),/*#__PURE__*/e(\"p\",{children:\"Advocacy efforts and support organizations play a vital role in making a difference for gender-diverse individuals. These organizations raise awareness, challenge discriminatory practices, and provide resources and support to those in need. They advocate for policies that protect the rights of gender-diverse individuals and work towards creating inclusive spaces in all aspects of society.\"}),/*#__PURE__*/e(\"p\",{children:\"By embracing gender diversity, promoting inclusive education, and supporting advocacy efforts, we can create a society where all individuals, regardless of their gender identity, can live authentically and without fear of discrimination. It requires collective efforts, open-mindedness, and ongoing education to challenge societal norms and create a more equitable and inclusive future.\"}),/*#__PURE__*/e(\"h2\",{children:\"Allies and Advocacy\"}),/*#__PURE__*/e(\"p\",{children:\"Allies play a crucial role in supporting LGBTQIA+ individuals and fostering inclusion. An ally is someone who actively supports and advocates for the rights and well-being of the LGBTQIA+ community, even if they don't identify as LGBTQIA+ themselves. Allies can help create safe spaces by challenging discriminatory behavior, educating others, and amplifying the voices of marginalized individuals. By standing up against homophobia, biphobia, intersexism, and transphobia, allies contribute to a more inclusive and accepting society.\"}),/*#__PURE__*/e(\"p\",{children:\"To be an effective advocate and create positive change, it's important to educate ourselves about LGBTQIA+ issues, listen to the experiences of those within the community, and use our voices to speak out against discrimination. This can involve engaging in conversations with friends, family, and colleagues, attending LGBTQIA+ events and demonstrations, and supporting LGBTQIA+ organizations and initiatives. By taking action and using our influence, we can help shift societal attitudes and promote equality for all.\"}),/*#__PURE__*/n(\"p\",{children:[\"An example of our commitment to inclusivity and diversity would be our \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"true-name\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"sn3I5W9Yv\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"True Name\"})}),\" feature. The True Name feature allows our users to use their preferred name, regardless of their legal or birth name, ensuring that transgender and non-binary individuals are recognized and respected while banking with us. It\u2019s a symbol of our dedication to creating a safe and inclusive environment for their customers.\"]}),/*#__PURE__*/e(\"h2\",{children:\"A more compassionate world\"}),/*#__PURE__*/e(\"p\",{children:\"Let us join hands in celebrating and supporting LGBTQIA+ communities. By embracing diversity, fostering understanding, and advocating for inclusivity, we can create a more compassionate and accepting world.\"})]});export const richText3=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Are you looking for ways to make your money work harder for you without actively managing it? Well, you're in the right place! In this blog post, we'll discuss what passive income is and share ten easy ideas to start building your own passive income streams. Let's dive in!\"}),/*#__PURE__*/e(\"h2\",{children:\"What is Passive Income?\"}),/*#__PURE__*/n(\"p\",{children:[\"Passive income is money earned with little to no effort on your part. It's a great way to supplement your regular income and achieve your personal finance goals faster. With an \",/*#__PURE__*/e(t,{href:{webPageId:\"augiA20Il\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"online bank\"})}),\" like bunq, you can manage your passive income streams effectively and grow your savings effortlessly.\"]}),/*#__PURE__*/e(\"h2\",{children:\"10 Easy Ideas for Building Passive Income\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"High-Interest Savings Account:\"}),\" Open a\",/*#__PURE__*/e(t,{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(a.a,{children:\" savings account\"})}),\" with a competitive interest rate to earn passive income through interest payments.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Dividend Stocks:\"}),\" Invest in dividend-paying stocks to receive regular dividend payouts. \",/*#__PURE__*/e(t,{href:\"https://finance-heros.fr/acheter-actions/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Learn how to buy stocks\"})}),\" and grow your portfolio. \"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real Estate Investment Trusts (REITs):\"}),\" Invest in REITs to earn passive income from rental properties without the hassle of being a landlord.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Peer-to-Peer Lending:\"}),\" Lend money to borrowers through peer-to-peer lending platforms and earn interest on your loans.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Online Course Sales:\"}),\" Create and sell online courses on platforms like Udemy or Teachable to generate passive income.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Affiliate Marketing:\"}),\" Promote products or services on your blog or social media channels and earn a commission for each sale made through your affiliate link.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Write an eBook:\"}),\" Write and self-publish an eBook on platforms like Amazon Kindle Direct Publishing and earn royalties from each sale.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rent Out Your Property:\"}),\" If you have an extra room or property, consider renting it out on platforms like Airbnb to generate passive income.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Create a Mobile App:\"}),\" Develop a mobile app and earn passive income through in-app purchases or advertisements.\",/*#__PURE__*/e(\"strong\",{children:\"\u200D\"})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Invest in Index Funds: \"}),\"Invest in low-cost index funds that track the performance of a broad market index, and earn passive income through capital gains and dividends.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/n(\"p\",{children:[\"Building passive income streams is an excellent way to improve your personal finance and achieve financial freedom. With these ten easy ideas and a reliable \",/*#__PURE__*/e(t,{href:{webPageId:\"augiA20Il\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"online bank\"})}),\" like bunq, you can start building your passive income today. So, why wait? Take action now and secure your financial future!\"]})]});export const richText4=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"In today's world, where online banking is becoming increasingly popular, it's important to know exactly what a banking license is and why it's important for your security. In this post, we'll explain everything you need to know about banking licenses and why you don't have to worry with bunq, your digital bank.\"}),/*#__PURE__*/e(\"p\",{children:\"A banking license is the official authorization from a financial regulatory authority that allows a company to operate as a bank. It ensures that the bank meets all legal requirements and provides customers with a safe and responsible online banking experience.\"}),/*#__PURE__*/e(\"p\",{children:\"bunq holds a full banking license and is therefore subject to strict regulations and controls. This means that your money is safe with us and we adhere to all the laws and rules that apply to traditional banks. Deposit insurance is another important aspect you should know: At bunq, your deposits are protected up to \u20AC100,000 by the Dutch deposit guarantee scheme. This ensures that your money is secure in the event of a bank failure.\"}),/*#__PURE__*/n(\"p\",{children:[\"With bunq, you not only benefit from a secure banking license, but also from numerous innovative features such as \",/*#__PURE__*/e(t,{href:{pathVariables:{EHOoGMZuu:\"auto-vat\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"PSAU9qBlU\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"AutoVAT\"})}),\", \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"foreign-ibans\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"gEtsJPhAY\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Local IBANs\"})}),\", and real-time payments that enhance your online banking experience.\"]}),/*#__PURE__*/e(\"p\",{children:\"In conclusion, a banking license is an important factor that ensures your bank is trustworthy and reliable. With bunq, you can trust that we have a full banking license and meet all legal requirements. In addition, bunq offers innovative features that make your online banking even easier and more enjoyable. Try it out and become a member today!\"})]});export const richText5=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"In 2020 alone, new businesses \",/*#__PURE__*/e(t,{href:\"https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Business_demography_statistics\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"created a total of 2.9 million jobs\"})}),\". It goes to show how much starting a business adds to society, and how big of a responsibility it is.\"]}),/*#__PURE__*/e(\"p\",{children:\"A lot goes into successfully running a business, and in many cases, one thing that people miss is opening a business savings account. This isn't a requirement for a new business, but there are various reasons why you should do this when you're getting started.\"}),/*#__PURE__*/e(\"p\",{children:\"For a rundown on why you should open one of these accounts, keep reading.\"}),/*#__PURE__*/e(\"h2\",{children:\"Who needs or can benefit from a business savings account?\"}),/*#__PURE__*/e(\"p\",{children:\"Most people are perfectly fine with one bank account as they only need to manage their personal finances. When opening a business, however, things will be a lot easier if you keep your personal and business finances separate. Anyone that starts a business, regardless of how small it is, can benefit from opening a savings account for your business.\"}),/*#__PURE__*/e(\"p\",{children:\"An online business account is easy to open, and you can track all income and outgoings for the business. An entrepreneur with multiple businesses may even want to have separate accounts for different businesses to keep things organized.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to choose a suitable corporate savings account?\"}),/*#__PURE__*/e(\"p\",{children:\"To find the best business savings account you\u2019ll have to assess the needs of your business. Various factors can affect the account you choose, such as:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The size of the business\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"If it operates domestically only or internationally\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The type of transactions taking place\"})})]}),/*#__PURE__*/e(\"p\",{children:\"You can compare things like business savings account rates and features that different banks provide to find something suitable for your business. Some companies, such as bunq, offer different plans, so you can pick something more ideal based on what you're after.\"}),/*#__PURE__*/e(\"h2\",{children:\"Benefits of a savings account for a business\"}),/*#__PURE__*/e(\"p\",{children:\"Each month you can deposit income from your business into a savings account. While this serves as a good place to hold the money coming in from your business, it also provides a range of other benefits.\"}),/*#__PURE__*/e(\"h2\",{children:\"Prepare for emergencies\"}),/*#__PURE__*/e(\"p\",{children:\"You're likely to have regular expenses each month. Everything you earn after these expenses have been paid can be considered business profit. It's good practice, however, to save a certain amount of this each month to cover any emergencies.\"}),/*#__PURE__*/e(\"p\",{children:\"There's always a risk of unexpected expenses coming up. These can vary depending on the nature of your business, but it's always best to have some money aside to cover these. Without these savings in place, you might end up having to take out a loan to cover such expenses, which is a less ideal position to be in.\"}),/*#__PURE__*/e(\"h2\",{children:\"Be prepared for tax season?\"}),/*#__PURE__*/e(\"p\",{children:\"A lot of business owners and entrepreneurs use a dedicated business savings account to prepare for tax season. In fact, being prepared for taxes is often cited as the main reason for maintaining a business savings account. It might even be the one reason you were expecting to be in this list.\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq though, we don\u2019t think taxes should be treated the same as unexpected expenses or something that you can\u2019t prepare for. That\u2019s why anyone with a bunq Business account can enable AutoVAT, so that the bunq app automatically calculates and sets aside the VAT on all your incoming and outgoing payments. That way you always have a crystal clear overview of how much you have to spend on taxes, so you can use your business savings account for what truly matters, such as\u2026\"}),/*#__PURE__*/e(\"h2\",{children:\"\u2026Saving for future business growth\"}),/*#__PURE__*/n(\"p\",{children:[\"One of the main goals of every business is growth. With growth comes further expenses, so using \",/*#__PURE__*/e(t,{href:{pathVariables:{EHOoGMZuu:\"savings-accounts\"},unresolvedPathSlugs:{EHOoGMZuu:{collectionId:\"BynTY5ciT\",collectionItemId:\"GHA95OB_Z\"}},webPageId:\"pQ9R2ZvYb\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"savings accounts for businesses\"})}),\" is a great way to save up money for such expenses. You can save money over time, then when you have something you need to pay for, you'll already have some money set aside.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Earn interest on deposits\"}),/*#__PURE__*/n(\"p\",{children:[\"Even with a small business savings account, you can earn more money through APY (\",/*#__PURE__*/e(t,{href:\"https://www.investopedia.com/terms/a/apy.asp\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"annual percentage yield\"})}),\"). With every deposit you can earn interest, giving you some extra cash depending on how much you're generating.\"]}),/*#__PURE__*/e(\"p\",{children:\"When looking at different accounts, the interest rate may be one of the factors that affect your decision. At bunq, we make sure to always give you the highest possible interest. For a Business Savings Account, you now get 0,75% interest on deposits of up to \u20AC100,000.\"}),/*#__PURE__*/e(\"h2\",{children:\"Make your business more creditworthy\"}),/*#__PURE__*/e(\"p\",{children:\"There may come a point where you want to take out a loan, and proper use of a business savings account can look good to lenders. You can show them that you have savings in a separate account which will give them confidence that you're able to pay back a loan.\"}),/*#__PURE__*/e(\"h2\",{children:\"Finding the right savings account for your business\"}),/*#__PURE__*/e(\"p\",{children:\"With so many benefits to using a business savings account, it's definitely worth doing. You may then be wondering what business account you should go with.\"}),/*#__PURE__*/n(\"p\",{children:[\"bunq is a modern mobile bank that can make things incredibly easy. We offer both personal and business accounts with various plans available so that you can find something that's perfect for you. Some of these are paid options, but you can get started with our bunq Free Business Account today. \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Click here\"})}),\" to find out more.\"]})]});export const richText6=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(t,{href:\"https://news.cornell.edu/stories/2022/03/can-combining-finances-lead-long-lasting-love\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"A recent study \"})}),\"found that couples who combine their finances have a better chance of long-lasting love.\"]}),/*#__PURE__*/e(\"p\",{children:\"But that doesn't necessarily mean that if you pool your money now, you'll be together forever. Rather, it means you need to communicate openly and clearly with your partner to understand how you handle finances and how to adapt to one another's preferences.\"}),/*#__PURE__*/e(\"p\",{children:\"Financial talk can be a whole can of worms though, so you need to go about it carefully. Here's your guide to couple budgeting so you and your partner can have a secure financial future.\"}),/*#__PURE__*/e(\"h2\",{children:\"When to talk finances\"}),/*#__PURE__*/e(\"p\",{children:\"Obviously, if you're in the beginning stages of dating, then you shouldn't have too serious a talk about finances. However, it's still a good idea to get a feel for how responsible your love interest is with money, and if it aligns with your views.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, maybe you like to enjoy a few drinks and nights out every week, but you're still putting a decent amount into your savings. But if the person you're dating doesn't have any savings and spends frivolously without a plan, then you might want to reevaluate things.\"}),/*#__PURE__*/e(\"p\",{children:\"When you've settled down and are in a serious and stable relationship, it's ideal to talk about finances a year into living together. Another good time to discuss money is before you get engaged.\"}),/*#__PURE__*/e(\"h2\",{children:\"What to talk about finances\"}),/*#__PURE__*/e(\"p\",{children:\"When talking about your finances, many people mistakenly think the only topic to cover is your bank account balance. But there's so much more to couple budgeting than this!\"}),/*#__PURE__*/e(\"p\",{children:\"Here are a few topics you should go over.\"}),/*#__PURE__*/e(\"h2\",{children:\"Savings\"}),/*#__PURE__*/n(\"p\",{children:[\"Someone may not have much in their checking account, but their \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"savings-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"SEW0QFdCy\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"savings\"})}),\" is a whole other story, and vice versa. So it's important to see how much is in both.\"]}),/*#__PURE__*/e(\"p\",{children:\"You may have thought that your partner is extremely frugal because they don't have money in the bank. But if you have an honest and open discussion, you might find yourself surprised to find out that they're saving hard for their nest egg.\"}),/*#__PURE__*/e(\"h2\",{children:\"Investments\"}),/*#__PURE__*/n(\"p\",{children:[\"More and more people are investing, and they're doing so at younger ages too. Not to mention, cryptocurrencies have been a huge craze \",/*#__PURE__*/e(t,{href:\"https://cointelegraph.com/news/world-population-reaches-8-billion-but-how-many-are-in-crypto\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"(320 million\"})}),\" people in the world use cryptos), so chances are, you or your significant other has that type of investment too.\"]}),/*#__PURE__*/e(\"p\",{children:\"So, in addition to your savings, you need to account for your investments too, whether that's stocks or cryptos.\"}),/*#__PURE__*/e(\"h2\",{children:\"Debts\"}),/*#__PURE__*/e(\"p\",{children:\"While in most cases, you aren't legally responsible for your spouse's debt incurred before marriage, any debt they have will still affect your future. For instance, if they have a debt of over $100,000, then they'll have a harder time getting a mortgage with you or paying for some of the funner things in life.\"}),/*#__PURE__*/e(\"p\",{children:\"A look at what debt your partner has and what they're from can also tell you if they'll be responsible with your shared finances or not.\"}),/*#__PURE__*/e(\"h2\",{children:\"\u200DLifestyles\"}),/*#__PURE__*/e(\"p\",{children:\"Differing lifestyles mean that you'll value some stuff above others, and this might clash with your partner's views. For example, if you're a foodie and they're not, then they might not want to spend thousands at restaurants a month.\"}),/*#__PURE__*/e(\"p\",{children:\"Figuring out your unique lifestyles and what matters to each person can help you budget better. Respecting each other's interests and allowing money for those things will make your relationship stronger.\"}),/*#__PURE__*/e(\"h2\",{children:\"Future plans and goals\"}),/*#__PURE__*/e(\"p\",{children:\"Knowing what you're aiming for will make budgeting and saving much easier. It can help you make a more realistic household budget too.\"}),/*#__PURE__*/e(\"p\",{children:\"For instance, you might both currently have fantastic careers. But your SO says they want to strike out on their own instead of working for a boss in a few years' time. Because you've already discussed it, you'll be prepared for this since you'll both save extra money and cut back expenses to make their dreams come true.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to talk about finances\"}),/*#__PURE__*/e(\"p\",{children:\"Money is a touchy subject, so the most important thing is to be completely honest and respectful. Otherwise, there's no solid foundation for your relationship.\"}),/*#__PURE__*/e(\"p\",{children:\"You should also be able to agree to disagree. You might not understand or agree with a financial decision your SO's making, but you should be able to come to a mutual solution.\"}),/*#__PURE__*/e(\"p\",{children:\"In addition, you should focus on one another's strengths. If you're the more responsible one, then you should take care of the joint bills. But your partner can reciprocate by talking you out of impulse buys if they're the more rational one.\"}),/*#__PURE__*/e(\"p\",{children:\"Playing to one another's strengths can make your finances rock solid.\"}),/*#__PURE__*/e(\"h2\",{children:\"The next steps\"}),/*#__PURE__*/e(\"p\",{children:\"Now that everything's out in the open, you should hopefully understand one another better. With a clear picture of the finances (and debt) you have now, and what you're working toward, you'll have better peace of mind about your financial future.\"}),/*#__PURE__*/e(\"p\",{children:\"Be clear about what each person's responsible for and how you'll handle large purchases. For instance, you might want to instill a \\\"ask/clear it with your partner first\\\" rule for any purchases over $100.\"}),/*#__PURE__*/n(\"p\",{children:[\"And if you decide that combined finances is the way to go, then you can sign up for a \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"joint-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"QkFlEmaOB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"joint account from bunq.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Get couple budgeting right\"}),/*#__PURE__*/e(\"p\",{children:\"Couple budgeting can be tough to navigate. But if you can get it right, you'll come out of it stronger. Not only will you know your partner better, but you'll also have a clearer picture of the road ahead.\"}),/*#__PURE__*/e(\"p\",{children:\"So put our budgeting tips to good use and see your relationship thrive.\"}),/*#__PURE__*/n(\"p\",{children:[\"Are you ready to combine your finances and get a joint account? Then \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"sign up\"})}),\" with bunq today!\"]})]});export const richText7=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"Did you know that contributing just a \",/*#__PURE__*/e(t,{href:\"https://www.usbank.com/financialiq/manage-your-household/personal-finance/myths-vs-facts-about-savings-account-interest-rates.html\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"handful of change\"})}),\" each week will help you boost your savings account? The golden rule here is that consistency is vital. However, your savings don't just depend on you - they also rely on the interest rate.\"]}),/*#__PURE__*/e(\"p\",{children:\"Interest rates in Europe are at an all-time high. This is great for your bank account, but there's one thing even better.\"}),/*#__PURE__*/e(\"p\",{children:\"A high interest rate helps fight inflation.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're wondering how that's possible, then read on. We'll explain everything you need to know so you can understand why high interest rates are so great.\"}),/*#__PURE__*/e(\"h2\",{children:\"How interest rates influence inflation\"}),/*#__PURE__*/e(\"p\",{children:\"To understand how interest rates and inflation are linked, we must first explain what inflation is.\"}),/*#__PURE__*/e(\"p\",{children:\"Inflation is when the cost of services or products is raised for some reason or another. Inflation is usually found in food, commodities, or energy costs.\"}),/*#__PURE__*/n(\"p\",{children:[\"While several things factor into inflation, it usually amounts to supply and demand. The demand outweighs the supply, driving the prices up. Currently, Europe is seeing an \",/*#__PURE__*/e(t,{href:\"https://www.euronews.com/my-europe/2022/10/27/ecb-announces-new-super-hike-of-interest-rates-to-tame-inflation-as-recession-draws-nearer\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"extreme rise \"})}),\"in the rate of inflation.\"]}),/*#__PURE__*/e(\"p\",{children:\"Central banks decide to raise the current interest rates when inflation gets too high. Raising or lowering interest is the primary tool that central banks have to assist the economy. How high the interest is impacts supply and demand the same way inflation does, linking them together inextricably.\"}),/*#__PURE__*/e(\"p\",{children:\"High interest works to lower the amount of demand the supply and demand chain is experiencing. In return, this reduces the inflation rates, meaning prices will drop down to a more manageable level.\"}),/*#__PURE__*/e(\"p\",{children:\"At the same time, central banks must be careful not to cause deflation and plunge things too far. Then, they would have to lower interest. It's a careful balancing act that takes skill.\"}),/*#__PURE__*/e(\"h2\",{children:\"How a high interest rate helps you\"}),/*#__PURE__*/e(\"p\",{children:\"If you're trying to save money, the hike in interest will only benefit you in the long run. You may not see results immediately, but it will eventually increase the amount of money in your savings account.\"}),/*#__PURE__*/e(\"p\",{children:\"Savings accounts sometimes show a lag in reacting to the change in interest by weeks, sometimes months. This is especially true if your account is a high-yield savings account. Just because it's delayed doesn't mean the benefits aren't coming, so just be patient.\"}),/*#__PURE__*/e(\"p\",{children:\"As helpful as these higher rates are for those who save, they aren't suitable for everyone. If you're looking to borrow money rather than save it, paying a loan back may hurt your wallet right now.\"}),/*#__PURE__*/e(\"p\",{children:\"Rather than borrow money, try to store a little bit of it from time to time. After you have a certain amount in your savings account, you will start to experience the benefits of higher rates.\"}),/*#__PURE__*/e(\"h2\",{children:\"What to know regarding personal finance\"}),/*#__PURE__*/e(\"p\",{children:\"When planning for your future, you don't need to worry too much about how the current interest will affect it. Just keep saving your money a little bit at a time. In fact, now is the perfect time to work on your budgeting skills.\"}),/*#__PURE__*/n(\"p\",{children:[\"If you've never heard of\",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"easy-budgeting\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"S9MwslYYH\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\" the 50/30/20 rule\"})}),\", it's an excellent structure for your budget. It's also easy to follow so you won't get confused.\"]}),/*#__PURE__*/e(\"p\",{children:\"Half of the money you make - so fifty percent - should go to essentials. These are things like bills, groceries, or gas for your car. It doesn't include things like your daily coffee, so keep that in mind.\"}),/*#__PURE__*/e(\"p\",{children:\"Thirty percent of the money you make should go to your wants. This is essentially fun money. You can choose to spend it however you want.\"}),/*#__PURE__*/e(\"p\",{children:\"The final twenty percent of your money should go into your savings account. Use it to fill your emergency fund. You should have three to six months' worth of money saved for expenses.\"}),/*#__PURE__*/e(\"p\",{children:\"If your emergency fund is complete, then it can go to paying back any debts that you might have.\"}),/*#__PURE__*/e(\"h2\",{children:\"Banks and current interest rates\"}),/*#__PURE__*/e(\"p\",{children:\"Current interest rates in Europe are at an all-time high, in an attempt to counter inflation and control it. Inflation is also at an all-time high, particularly concerning energy and food costs.\"}),/*#__PURE__*/e(\"p\",{children:\"So banks have raised interest rates in an attempt to control this.\"}),/*#__PURE__*/e(\"p\",{children:\"If the cost of things continues to rise, then interest rates will continue. Eventually, the amount of interest will control inflation and bring it back down to something reasonable.\"}),/*#__PURE__*/e(\"h2\",{children:\"Make your life easier\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you've heard about how high interest rates benefit you, you're probably looking for the perfect bank to register with now. Look no further - we're right here!\"}),/*#__PURE__*/e(\"p\",{children:\"Traditional banks may have increased their interest rate, but bunq still offers the highest interest in the Netherlands!\"}),/*#__PURE__*/n(\"p\",{children:[\"It takes two minutes to sign up with us, and it has several plans to fit your needs, so make your life easier and\",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\" sign up with bunq\"})}),\" today!\"]})]});export const richText8=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Setting up your very own budget and actually sticking to it might seem impossible, but bunq makes the whole process effortlessly automatic.\"}),/*#__PURE__*/e(\"p\",{children:\"In just 5 minutes, you can activate a handful of super simple features in the app to budget with zero effort, and save more on your personal finances than ever before.\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Create your personalized budget\"}),/*#__PURE__*/n(\"p\",{children:[\"To get started, the first step is to create a Bank Account for each of your budgeting needs using the \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"easy-budgeting\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"S9MwslYYH\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Easy Budgeting\"})}),\" feature.\"]}),/*#__PURE__*/e(\"p\",{children:\"Each Bank Account you create will have its very own category (think household bills, groceries, travel, etc) and a monthly limit you set. Once your budget is all set up, the bunq app will automatically categorize your payments and take the money out of the correct Bank Account.\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Easily track your monthly expenses\"}),/*#__PURE__*/n(\"p\",{children:[\"After creating your budget, the next step is to start easily tracking your progress. Introducing \",/*#__PURE__*/e(t,{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(a.a,{children:\"Insights\"})}),\", your very own expense tracker.\"]}),/*#__PURE__*/e(\"p\",{children:\"From your home screen, tap on the first of the three icons in the top right corner and you\u2019ll see clearly how much you\u2019ve spent per category, and how close you are to your chosen spending limits.\"}),/*#__PURE__*/e(\"p\",{children:\"Want to track your spending directly from the home screen? Tap on the icon with the plus sign at the top of your home screen and choose Insights.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Start saving up, effortlessly\"}),/*#__PURE__*/e(\"p\",{children:\"A crucial part to any budget is growing your savings and, with bunq, you can do it automatically and earn high interest on your deposits.\"}),/*#__PURE__*/e(\"p\",{children:\"To create your savings account, from the bottom right of your home screen, tap Add > Bank Account > Savings Account. You can then personalize your savings account with the icon and name of your choice, and make your first deposit.\"}),/*#__PURE__*/e(\"p\",{children:\"Top tip: the app will ask if you\u2019d like to activate AutoSave.\"}),/*#__PURE__*/e(\"p\",{children:\"By activating it, the bunq app will help you save more by automatically rounding up your card payments. For example, if you grab a coffee for \u20AC2.25, your app will round that up to \u20AC3 and add the difference of \u20AC0.75 to your savings. That way you\u2019ll effortlessly reach your savings goal, quicker than you ever imagined.\"}),/*#__PURE__*/n(\"p\",{children:[\"If you want to learn more about how to budget, you can get started with the one of the easiest way - \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"easy-budgeting\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"S9MwslYYH\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"50/30/20 rule\"})}),\", or take a look at \",/*#__PURE__*/e(t,{href:\"https://financer.com/nl/finance-academy/hoe-effectief-budgetteren/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"this article for inspiration\"})}),\".\"]})]});export const richText9=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"We have the perfect solution\"}),/*#__PURE__*/e(\"p\",{children:\"bunq\u2019s Joint account makes life in 2 (or 10) easy. Experience world-class mobile banking together! It\u2019s more fun that way. Here are the top 5 reasons why you should try it today:\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Get a bank account, in just 5 minutes\"}),/*#__PURE__*/n(\"p\",{children:[\"bunq saves you time and our \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"joint-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"QkFlEmaOB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Joint account\"})}),\" is no different. Open a Joint account from the comfort of your own home. All you need is your phone and ID. No waiting lines, no commuting to a branch, no endless papers. Keeping it easy.\"]}),/*#__PURE__*/e(\"h2\",{children:\"2. Your home, your rules\"}),/*#__PURE__*/e(\"p\",{children:\"Unlike other banks, we won\u2019t ask for proof of living together with your Joint partner. It\u2019s your choice where and how you want to live. We\u2019re only here to make sharing finances a breeze.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Your relationship, your rules\"}),/*#__PURE__*/e(\"p\",{children:\"We also don\u2019t need to know anything about the stage of your relationship. We won\u2019t ask for official partnership documentation or a marriage certificate. Whether you want to save up because you\u2019re buying a house, or you\u2019d just like a dedicated, shared Bank Account for your household budget, take it at your own pace. In fact, you don\u2019t need to be a couple at all. Feel free to open a Joint account with a roomie, a bestie or a partner.\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Always in control\"}),/*#__PURE__*/n(\"p\",{children:[\"When you have a Joint account, you all stay in control. We\u2019ll send you instant notifications for every payment made, so no need to wonder if somebody already paid for dinner. Of course, you each get your own physical, beautiful \",/*#__PURE__*/e(t,{href:{webPageId:\"RAcKLSXrV\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"bunq card\"})}),\" too.\"]}),/*#__PURE__*/e(\"h2\",{children:\"5. The more the merrier\"}),/*#__PURE__*/e(\"p\",{children:\"We don\u2019t believe in labels. Break tradition and share your Joint account with up to 10 people. Whether you all live together or just share plenty of expenses, this account is meant for any kind of relationship.\"}),/*#__PURE__*/e(\"h2\",{children:\"Convinced?\"}),/*#__PURE__*/n(\"p\",{children:[\"bunq\u2019s Joint bank account is the perfect solution for anyone looking to make shared finances easy. For a step-by-step guide on how to get started, \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"joint-accounts\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"QkFlEmaOB\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"check this out\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Get it today, starting at \u20AC2,99/person with bunq Core Joint.\"})]});export const richText10=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"In March 2020, we launched a plan (now) called \",/*#__PURE__*/e(t,{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(a.a,{children:\"bunq Elite\"})}),\". Any bunq Elite user can plant a tree for each \u20AC100 they spend with their cards. Zero effort, a greener world.\"]}),/*#__PURE__*/e(\"p\",{children:\"Since then, the bunq community has done nothing but surprise us year after year. We\u2019ve focused on 2 areas where we can make the most impact: Kenya & Madagascar. This update concerns the efforts that have been done in Madagascar only - more specifically, in Marotia.\"}),/*#__PURE__*/e(\"p\",{children:\"Before the project started, the mangrove forests found in this area were subject to deforestation and forest degradation from charcoal production and wood collection for cooking, construction, and other purposes.\"}),/*#__PURE__*/e(\"p\",{children:\"Here\u2019s a quick look at how the site looked back in 2019:\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"600\",src:\"https://framerusercontent.com/images/u0DYmVCp6sjOz2cOEnDJwEe1O8w.jpeg\",srcSet:\"https://framerusercontent.com/images/u0DYmVCp6sjOz2cOEnDJwEe1O8w.jpeg?scale-down-to=512 512w,https://framerusercontent.com/images/u0DYmVCp6sjOz2cOEnDJwEe1O8w.jpeg?scale-down-to=1024 1024w,https://framerusercontent.com/images/u0DYmVCp6sjOz2cOEnDJwEe1O8w.jpeg 1600w\",style:{aspectRatio:\"1600 / 1200\"},width:\"800\"}),/*#__PURE__*/e(\"p\",{children:\"Slowly but surely, things started to turn around. Together with our partner Eden Reforestation Projects, we began planting at the site in March 2020, and by December 2020, the bunq community had contributed to planting 1.5 million trees at the site. This is how much of a difference just 9 months make:\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"360\",src:\"https://framerusercontent.com/images/GgV7Mq8zghcLFMifeTAcZYhiSw.jpeg\",srcSet:\"https://framerusercontent.com/images/GgV7Mq8zghcLFMifeTAcZYhiSw.jpeg?scale-down-to=512 512w,https://framerusercontent.com/images/GgV7Mq8zghcLFMifeTAcZYhiSw.jpeg?scale-down-to=1024 1024w,https://framerusercontent.com/images/GgV7Mq8zghcLFMifeTAcZYhiSw.jpeg 1600w\",style:{aspectRatio:\"1600 / 720\"},width:\"800\"}),/*#__PURE__*/e(\"p\",{children:\"Now that 2 years have passed, we can honestly say we couldn\u2019t be prouder of our community and the impact it\u2019s had. We\u2019ve planted 5.4 million trees together, in Madagascar alone!\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"360\",src:\"https://framerusercontent.com/images/TaLsMjLucLVHV4cXCni4OK7lRs.jpeg\",srcSet:\"https://framerusercontent.com/images/TaLsMjLucLVHV4cXCni4OK7lRs.jpeg?scale-down-to=512 512w,https://framerusercontent.com/images/TaLsMjLucLVHV4cXCni4OK7lRs.jpeg?scale-down-to=1024 1024w,https://framerusercontent.com/images/TaLsMjLucLVHV4cXCni4OK7lRs.jpeg 1600w\",style:{aspectRatio:\"1600 / 720\"},width:\"800\"}),/*#__PURE__*/e(\"p\",{children:\"And while that\u2019s impressive in itself, the project doesn\u2019t just plant trees that help reforest land. It has plenty of other effects that are just as important. Let\u2019s have a quick look at some changes we\u2019ve seen in the areas where the trees are planted:\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\"Eden Reforestation Projects has employed an average of 97 full staff members per month. Wanna know more about who they are and their lives? Check out \",/*#__PURE__*/e(t,{href:{pathVariables:{HRJVC2Tn4:\"omahirys-story-from-cutting-down-trees-to-reforesting\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"jDtyA_wvF\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Omahiry\u2019s story\"})}),\", or \",/*#__PURE__*/e(t,{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:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Abdi\u2019s\"})}),\".\"]})})}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The project created an average of 2,169 working days per month\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"With a steady income, the employees can put savings aside, invest in their households, start micro-enterprises to diversify their income opportunities, provide healthcare and everyday needs for their families. This wasn\u2019t the case for many of the communities, previously.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Women\u2019s empowerment is a core principle and goal for the team in Madagascar. The Madagascar workforce is 44% female!\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Mangroves provide storm-surge protection for local residents. Trees growing along rivers and coastlines provide a natural barrier that mitigates the impacts of flooding events, helping the communities developing and living nearby.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"What's next?\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ll continue to plant at Marotia in Madagascar until we reach the site capacity of 8.3 million trees. Throughout this project, the teams will actively protect the site and replant any losses to ensure the native mangrove forest reaches its full potential. Ultimately, many of these trees will mature, producing seeds of their own and helping the forest return to a point of natural equilibrium.\"}),/*#__PURE__*/n(\"p\",{children:[\"It goes without saying that nothing we\u2019ve done, and nothing we plan to do, would be possible without \",/*#__PURE__*/e(\"em\",{children:\"you\"}),\". Your contributions help us complete this site and work towards reforesting some of the four million hectares that the Madagascar government has committed to restoring by 2030 as part of the \",/*#__PURE__*/e(t,{href:\"https://afr100.org/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"AFR100 initiative\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"Ever wanted to see what a mangrove tree looks like in real life?\"}),/*#__PURE__*/n(\"p\",{children:[\"Check out the \",/*#__PURE__*/e(t,{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(a.a,{children:\"bunq community\u2019s adopted mangrove tree\"})}),\" at the Hortus Botanicus, Amsterdam! This is the exact same species we plant in Madagascar, and it represents the millions of trees planted by the bunq community.\"]}),/*#__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\"})]});export const richText11=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"These transactions are set to only grow in the coming years. If you're not a fan of using cash and love to shop online, then iDEAL can be, well, ideal for you. This is especially true if you don't have a credit card, which is common in Europe. You want to keep debt to a minimum, after all.\"}),/*#__PURE__*/e(\"p\",{children:\"So what is iDEAL and how does it work? Read on to find out!\"}),/*#__PURE__*/e(\"h2\",{children:\"What is iDEAL?\"}),/*#__PURE__*/e(\"p\",{children:\"iDEAL is a payment system used mainly in the Netherlands. However, it's now used in over 50 countries.\"}),/*#__PURE__*/e(\"p\",{children:\"It was first created in 2005 and allows merchants (especially e-commerce ones) to accept real-time internet payments. The payments are processed through the company Trustly.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are iDEAL payments?\"}),/*#__PURE__*/e(\"p\",{children:\"iDEAL payments are done from bank to bank, with no middlemen. As a result, there are lightning-quick settlement times. What's even better is that all major Dutch consumer banks cover iDEAL transactions, including bunq.\"}),/*#__PURE__*/n(\"p\",{children:[\"Do note that this payment system doesn't \",/*#__PURE__*/e(t,{href:\"https://www.shopify.com/encyclopedia/chargeback\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"have chargebacks\"})}),\". With credit cards, if you receive broken merchandise or don't receive it at all, credit card companies can force a reversal of the payment you made to the merchant. This isn't possible with iDEAL, so you'll have to dispute the charge with your bank to get your money back.\"]}),/*#__PURE__*/e(\"h2\",{children:\"How Do iDEAL Payments Work?\"}),/*#__PURE__*/e(\"p\",{children:\"There are several ways you can use iDEAL.\"}),/*#__PURE__*/e(\"p\",{children:\"First, you can get a bank card and use that for transactions. You can swipe it in a physical store, then enter your PIN if needed. Or you can enter the card number and then enter your PIN code for online transactions.\"}),/*#__PURE__*/n(\"p\",{children:[\"You can also \",/*#__PURE__*/e(t,{href:\"https://together.bunq.com/d/1232\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"scan a QR code\"})}),\" with your smartphone or tablet. This will then open your bank app, where you can confirm the purchase by typing in your PIN. This method eliminates the step of entering your card number manually.\"]}),/*#__PURE__*/e(\"p\",{children:\"What's great about iDEAL payments is you don't need to sign up for an account or enroll in their services. So long as you're a customer at a participating bank, then you can enjoy the benefits of iDEAL payments!\"}),/*#__PURE__*/e(\"h2\",{children:\"How fast are iDEAL transfers?\"}),/*#__PURE__*/e(\"p\",{children:\"The main benefit of iDEAL is its fast payments. If you transfer money, it's basically instant. You just need to wait a few seconds for the transfer to go through, and everything's settled.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're asking for a refund though, this can take longer. Typically, you'll be credited in 2 to 3 working days. However, the exact time will depend on your bank.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are the associated fees with iDEAL?\"}),/*#__PURE__*/e(\"p\",{children:\"iDEAL itself doesn't charge you fees for using it. However, some online vendors will attach a small fee of around \u20AC0.20 for each transaction.\"}),/*#__PURE__*/e(\"p\",{children:\"Make sure you check the payment page before you run an iDEAL payment. It should tell you exactly how much the fee is for using an iDEAL money transfer. It's usually worth it to pay a small amount for the convenience.\"}),/*#__PURE__*/e(\"p\",{children:\"In the Netherlands, iDEAL processed payments are usually free of charge.\"}),/*#__PURE__*/e(\"h2\",{children:\"Who accepts iDEAL?\"}),/*#__PURE__*/e(\"p\",{children:\"As we've mentioned before, iDEAL is a Dutch concept, so you can use this type of transaction all over the nation. This applies to both brick-and-mortar stores and online shops.\"}),/*#__PURE__*/e(\"p\",{children:'If you\\'re shopping online, simply look for the iDEAL logo (a black \"i\" with \"DEAL\" written in white, surrounded by a pink background, and this entire image in a large black \"D\" with white filled in).'}),/*#__PURE__*/e(\"p\",{children:\"Many foreign webshops and companies also accept iDEAL. Again, you'll have to look for the logo to see if they do.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to top up at bunq with iDEAL\"}),/*#__PURE__*/e(\"p\",{children:\"To top up at bunq with iDEAL, you'll need another bank account with a positive balance. From there, you'd initiate a transfer from that account to your bunq one.\"}),/*#__PURE__*/e(\"p\",{children:\"There are no fees and the transaction is instant, so you'll have money in your account in no time!\"}),/*#__PURE__*/e(\"h2\",{children:\"Which bunq cards can make iDEAL payments?\"}),/*#__PURE__*/e(\"p\",{children:\"You can use both physical and virtual cards to make iDEAL payments.\"}),/*#__PURE__*/e(\"p\",{children:\"Our physical card choices include Mastercard credit or business card, and Metal card.\"}),/*#__PURE__*/n(\"p\",{children:[\"We also have a choice for virtual cards: \",/*#__PURE__*/e(t,{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(a.a,{children:\"Virtual Credit Card\"})}),\". You can set this card up to refresh every 5 minutes or delete and create a new one each time for better security. Either way, it\u2019s a convenient way to complete transactions without having to wait for a card to arrive.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Where can I use my bunq card to make iDEAL payments?\"}),/*#__PURE__*/e(\"p\",{children:\"Keep in mind that so long as you're a customer at a participating bank, you can use iDEAL to pay merchants. Since bunq is a participating bank, this means you can use your bunq card at any shop that accepts iDEAL!\"}),/*#__PURE__*/e(\"p\",{children:\"Pretty much all stores in the Netherlands will accept your bunq card. If you travel to Belgium a lot, then you won't have any issues there either.\"}),/*#__PURE__*/e(\"h2\",{children:\"iDEAL is very convenient\"}),/*#__PURE__*/e(\"p\",{children:\"As you can see, iDEAL is a very handy type of payment method. This is especially true if you live in the Netherlands or frequently visit.\"}),/*#__PURE__*/e(\"p\",{children:\"Considering that iDEAL is widely accepted in this country and the surrounding ones, you'll have a much better time making purchases. So if you've been frustrated with your credit cards not being accepted and you don't like bringing around cash, then iDEAL is definitely the way to go!\"}),/*#__PURE__*/n(\"p\",{children:[\"If you don't already have a bunq account, then \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"sign up for one\"})}),\" now. You can download our app and try it for free!\"]})]});export const richText12=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The goal for this project was to plant 1 million trees in one year. And as usual, our amazing community impressed us and made it happen. By the 1st of January 2022, the site located in Kwasasi & Magumba had 1,036,999 mangroves planted, across 760 acres.\"}),/*#__PURE__*/e(\"h2\",{children:\"Woohoo!\"}),/*#__PURE__*/n(\"p\",{children:[\"However, the number of trees planted isn\u2019t the only difference that \",/*#__PURE__*/e(t,{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(a.a,{children:\"bunq Elite\"})}),\" users have made. Eden Reforestation Projects have employed an average of 15 people per month, who worked about 21 days per month. Those who helped plant these trees got a fair, consistent wage while working in a safe environment. Many haven\u2019t had this chance before.\"]}),/*#__PURE__*/e(\"p\",{children:\"As you can tell, planting trees isn't the only thing that bunq Elite users can do by simply spending their money. The socio-economic impact is great too.\"}),/*#__PURE__*/e(\"h2\",{children:\"Just have a quick look at these facts:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"26% of the total workforce is female\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"This project has created 3,015 employment days\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The operation also provided storm-surge protection for the local residents\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"It offered increased opportunities to save and invest in the community\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Since the beginning of 2022:\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve continued our efforts through Eden Reforestation Projects in Kenya. Besides planting more mangroves, they\u2019re also protecting and replanting the site to ensure that as many trees as possible survive and bring the native forests back to the majestic coastline.\"}),/*#__PURE__*/e(\"p\",{children:\"Many of the 1,036,999 planted trees will eventually produce seeds of their own and help the forest back to its natural equilibrium. Likewise, trees that reach maturity can compensate for trees that died before generating seeds.\"}),/*#__PURE__*/e(\"p\",{children:\"We couldn\u2019t be prouder of everything we\u2019ve accomplished together. At this point (July 2022), bunq users helped plant more than 7 million trees! We\u2019re super excited about what\u2019s to come.\"})]});export const richText13=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The best way for you may depend on your location, or on how soon you need the money. Let\u2019s take a look at the different methods available.\"}),/*#__PURE__*/e(\"h2\",{children:\"Instant Payments with iDeal\"}),/*#__PURE__*/e(\"p\",{children:\"Firstly, you can use iDeal, which is extremely popular in the Netherlands. This method is not only instant but also comes with no additional fees, making it a fantastic choice. iDeal connects directly to another bank account, ensuring your money is added swiftly and securely. Plus, it isn't just for adding funds\u2014iDeal can also be used for instant payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Local Methods \u2013 Bancontact and Instant Bank Transfer\"}),/*#__PURE__*/e(\"p\",{children:\"If you're in Belgium, Bancontact is a local method similar to iDeal. Instant Bank Transfer is another great option available for users in various European countries. Both Bancontact and Instant Bank Transfer offer the same functionality and convenience as iDeal, allowing you to top up your account instantly from another bank account.\"}),/*#__PURE__*/e(\"h2\",{children:\"Quick and Easy with Debit and Credit Cards\"}),/*#__PURE__*/e(\"p\",{children:\"Using your debit card or credit card (Visa or Mastercard) to add money is both quick and easy. The transfer is instant, so there's no need to wait around. However, ensure that the card is in your name, and be aware that fees for using this method can vary.\"}),/*#__PURE__*/e(\"h2\",{children:\"Traditional Bank Transfers\"}),/*#__PURE__*/n(\"p\",{children:[\"For a more traditional approach, you can add money through a regular bank transfer. Depending on the sending bank, this can be either instant or take 1-2 business days if it\u2019s a SEPA transfer \",/*#__PURE__*/e(t,{href:\"https://together.bunq.com/d/4295\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"more about that here\"})}),\". If you need money immediately, consider your options. Make sure the sending bank uses RT1 or TIPS for instant transfers. The good news is this method is free of charge.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Easy Currency Conversion\"}),/*#__PURE__*/n(\"p\",{children:[\"If you have a bunq Local Currency Bank Account, converting money is a breeze. For example, if you want to add euros (\u20AC) to your account from your dollar ($) bank account, \",/*#__PURE__*/e(t,{href:\"https://together.bunq.com/d/45414\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"you can do this directly in the app\"})}),\". We'll handle the conversion and add the amount to your preferred account, making international transactions seamless.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Simple Cash Deposits\"}),/*#__PURE__*/n(\"p\",{children:[\"Need to make a cash deposit? Thanks to \",/*#__PURE__*/e(t,{href:{pathVariables:{HRJVC2Tn4:\"making-life-easy-bunq-and-barzahlen-digitalize-cash\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"eokV2ODLt\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"partnerships with Barzahlen\"})}),\"/Viacash and PaySafeCash, this process is straightforward. Simply create a barcode in the app, present it at a supported store, and the amount will transfer to your bunq app. You can find partner stores on the app's map, making it easy to locate the nearest one. You can \",/*#__PURE__*/e(t,{href:\"https://together.bunq.com/d/45741\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"learn more about adding money through a cash deposit here.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Summary\"}),/*#__PURE__*/e(\"p\",{children:\"Your money will be added to your account as soon as possible, no matter which method you choose. Pick the option that best fits your needs and enjoy the benefits of easily adding money to your mobile banking app.\"}),/*#__PURE__*/e(\"h2\",{children:\"Additional Features to Explore\"}),/*#__PURE__*/e(\"p\",{children:\"Beyond easy top-ups, bunq offers a variety of features that make mobile banking simpler and more efficient:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Budgeting Tools\"}),\": Keep your finances organized with our intuitive budgeting tools.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Shared Accounts\"}),\": Easily manage shared expenses with family or friends.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Quick Transfers\"}),\": Send money instantly to other bunq users.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Foreign Currency Exchange\"}),\": Enjoy competitive exchange rates for your international transactions.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Discover all these features and more by downloading the app now. Keep your finances organized and enjoy the perks of modern mobile banking with bunq!\"})]});export const richText14=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"Did you know that the Face ID feature on an iPhone tracks and processes over \",/*#__PURE__*/e(t,{href:\"https://www.computerworld.com/article/3235140/apples-face-id-the-iphone-xs-facial-recognition-tech-explained.html\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"30 thousand data points\"})}),\" before authenticating?\"]}),/*#__PURE__*/e(\"p\",{children:\"While many people may think that a fingerprint is unique, most modern fingerprint scanners only track and process around 10 thousand data points. Nevertheless, biometric security offers you login security that no password can come close to.\"}),/*#__PURE__*/e(\"p\",{children:\"This is why bunq uses biometric logins whenever you sign into the app. Whether you have a face or fingerprint biometric ID, both can be used to help ensure secure banking.\"}),/*#__PURE__*/e(\"p\",{children:\"Interested in learning more about biometric logins? Here's everything you need to know.\"}),/*#__PURE__*/e(\"h2\",{children:\"What Is Biometric Security?\"}),/*#__PURE__*/e(\"p\",{children:\"Biometric security simply refers to a security framework that relies on a biological characteristic. The most common forms of this are through a fingerprint or a facial scan. While these sensors have become more popular in recent years, biometrics has been around for a long time.\"}),/*#__PURE__*/e(\"p\",{children:\"Footprints have been taken from babies for identification for decades, with retinal and dental scans helping to prove identities as well. This concept is not completely flawless but is one of the most trusted and reliable ways to authenticate someone.\"}),/*#__PURE__*/e(\"p\",{children:\"While biometrics have been reliable in the past, they were also expensive and time-consuming. Since people had to manually compare fingerprints with thousands of fingerprints to find a match, this process was not as easy as a simple password.\"}),/*#__PURE__*/e(\"p\",{children:\"However, biometrics have made major advancements in the last few years, allowing them to be part of our smartphones. Most modern smartphones either come with a fingerprint scanner, a facial scanner, or both straight out of the box.\"}),/*#__PURE__*/e(\"h2\",{children:\"How Does Biometric Security Work?\"}),/*#__PURE__*/e(\"p\",{children:\"Biometric security relies on your physical characteristics. This could be your retina, footprint, or face.\"}),/*#__PURE__*/e(\"p\",{children:\"However, the most common biometric security features on most smartphones remain the fingerprint and the facial scan. These two security measures work similarly and are incredibly secure ways to authenticate yourself.\"}),/*#__PURE__*/e(\"h2\",{children:\"Fingerprint Scanner\"}),/*#__PURE__*/e(\"p\",{children:\"Fingerprint scanners have been around for a very long time. While early scanners used to just take a super detailed picture of your thumb, modern scanners are even more detailed and efficient. Modern scanners can work using a capacitive, optical, or ultrasonic sensor to accurately read your fingerprint.\"}),/*#__PURE__*/e(\"p\",{children:\"While capacitive sensors leverage a grid of tiny capacitors to read your fingerprint, the optical method leverages the more traditional sensor to take a picture instead. However, the most advanced system is the ultrasonic sensor that can send a sound pulse to reflect off your finger. This can then give the sensor an incredibly accurate digital map of your fingerprint in return.\"}),/*#__PURE__*/e(\"h2\",{children:\"Facial Scanner\"}),/*#__PURE__*/e(\"p\",{children:\"Facial scanners work in a variety of different ways. While some facial scanners rely entirely on the camera and software, others use a more innovative, complex system. The standard facial scanner takes a picture of your face and compares it to the reference photo via software.\"}),/*#__PURE__*/e(\"p\",{children:\"While this is simple, it's also less secure as someone could hold up a picture of you to unlock your phone. The Face ID scanner in an iPhone uses an infrared dot projector to project tiny dots all over your face. The sensor then evaluates these dots to create a unique map of your face, similar to a fingerprint.\"}),/*#__PURE__*/e(\"p\",{children:\"However, this map is more unique and secure than a fingerprint as it has over 3x as many data points. This allows the phone to authenticate you and also differentiates you from a static picture.\"}),/*#__PURE__*/e(\"p\",{children:\"This kind of system can also ensure that you are awake and aware of the unlocking process before it unlocks, making it even more secure.\"}),/*#__PURE__*/e(\"h2\",{children:\"Is Biometric Security Better Than Password Security?\"}),/*#__PURE__*/e(\"p\",{children:\"While passwords have been great, they are not very secure. Someone can guess your password, or your password could be leaked in a data hack. All of these are out of your control and could potentially put your information and money at risk.\"}),/*#__PURE__*/e(\"p\",{children:\"Biometric security is a lot more secure since it cannot be guessed or transferred in any way. This means that you and you alone can authenticate your phone and get in. Even if someone looks like you, they won't be able to get in as easily.\"}),/*#__PURE__*/e(\"p\",{children:\"While there have been some cases of twins managing to get into some phones, the technology is always improving and becoming even more secure. So much so that biometric security boasts a major advantage over any other form of security on the market today.\"}),/*#__PURE__*/e(\"h2\",{children:\"Biometric Security Features From bunq\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to banking, security is the most important thing to keep in mind. This is why bunq relies on biometric authentication every time you enter the app. This means that only you can access your accounts and make any transactions.\"}),/*#__PURE__*/n(\"p\",{children:[\"We care so much about security that we even ask you to verify transactions with your face or fingerprint to ensure that you are in control of your money all the time. In this way, bunq promises the very best in security and works \",/*#__PURE__*/e(t,{href:{pathVariables:{VXx9Yv9cA:\"biometric-id\"},unresolvedPathSlugs:{VXx9Yv9cA:{collectionId:\"Ooq0PYMQP\",collectionItemId:\"MfjOHGD7X\"}},webPageId:\"AN0mCSTyL\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"seamlessly with your smartphone\"})}),\" to make it happen.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Switch to bunq today!\"}),/*#__PURE__*/e(\"p\",{children:\"Security has never been more important than it is today. With cyber threats coming in from all directions, the most important way to keep your account secure is through biometric security. This kind of security uses your biometric characteristics to ensure that only you can access your accounts.\"}),/*#__PURE__*/n(\"p\",{children:[\"Interested in signing up for bunq? We have made the entire process a walk in the park since you can do everything online from the comfort of your own home. \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Click here\"})}),\" to sign up today!\"]})]});export const richText15=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"And now, you're ready to put your money where your mouth is by embracing sustainable finance.\"}),/*#__PURE__*/n(\"p\",{children:[\"You're not the only one who feels this way. Research shows that sustainability has become an increasingly important factor in people's buying decisions in \",/*#__PURE__*/e(t,{href:\"https://www.businesswire.com/news/home/20211014005090/en/Recent-Study-Reveals-More-Than-a-Third-of-Global-Consumers-Are-Willing-to-Pay-More-for-Sustainability-as-Demand-Grows-for-Environmentally-Friendly-Alternatives\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"17 countries\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"The question is, how can you start to embrace ethical investment amid today's climate change concerns? And what are the benefits of ESG (Environmental, Social, and Governance) investing long term?\"}),/*#__PURE__*/e(\"p\",{children:\"Here's a rundown of everything you need to know about investing responsibly in 2023 and beyond.\"}),/*#__PURE__*/e(\"p\",{children:\"Let's jump in!\"}),/*#__PURE__*/e(\"h2\",{children:\"Sustainable finance: what is it?\"}),/*#__PURE__*/e(\"p\",{children:\"Sustainable finance involves making financial investment decisions that are environmentally friendly. For instance, you choose to put your money toward sustainable organizations. You can also invest in green projects and activities.\"}),/*#__PURE__*/e(\"p\",{children:\"The ultimate goal of sustainable finance is to drive economic growth as well as support your own financial well-being. However, you want to do this while decreasing environmental pressures.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are the ESG goals?\"}),/*#__PURE__*/e(\"p\",{children:\"With sustainable finance, the investing decisions you make should be based on ESG considerations. ESG stands for \\\"environmental, social, and governance.\\\" Let's take a look at what today's ESG goals are and how ethical investing aligns with them.\"}),/*#__PURE__*/e(\"h3\",{children:\"Environmental considerations\"}),/*#__PURE__*/e(\"p\",{children:\"Look for companies that promote policies focused on conserving natural resources. Their policies should also treat animals ethically.\"}),/*#__PURE__*/e(\"p\",{children:\"The best companies are focused on properly dealing with pollution and reducing waste, too.\"}),/*#__PURE__*/e(\"p\",{children:\"Ideally, your chosen companies should publish sustainability or carbon reports. These reports will help you to determine exactly where they stand when it comes to lowering the emissions of greenhouse gases.\"}),/*#__PURE__*/e(\"p\",{children:\"For instance, the companies' reports should explain how they are limiting harmful chemicals and pollutants. The reports may also highlight how they are using sources of renewable energy to operate in a cleaner way.\"}),/*#__PURE__*/e(\"p\",{children:\"All in all, the companies you give your money to should be seeking to decrease their carbon footprint.\"}),/*#__PURE__*/e(\"h3\",{children:\"Social considerations\"}),/*#__PURE__*/e(\"p\",{children:\"As you research green companies, look at your target companies' stakeholder relationships as well.\"}),/*#__PURE__*/e(\"p\",{children:\"For instance, do these companies hold their suppliers to their own eco-friendly standards? Also, do they donate some of their profits to their local communities? Or, do they encourage their workers to do volunteer work?\"}),/*#__PURE__*/e(\"p\",{children:\"The workplaces of the companies you invest in should also focus on the employees' safety and health.\"}),/*#__PURE__*/e(\"p\",{children:\"In addition, pay attention to a target company's supply chain. Does it avoid questionable overseas labor?\"}),/*#__PURE__*/e(\"p\",{children:\"The company, for instance, should steer clear of manufacturers that use child labor. Also, avoid those that don't take workplace safety seriously.\"}),/*#__PURE__*/e(\"p\",{children:\"The top companies to invest in also pay fair wages. \"}),/*#__PURE__*/e(\"p\",{children:\"Finally, search for companies that additionally promote corporate ethics, inclusion, diversity, and social justice. Companies that speak up against sexual, gender, and racial discrimination may be the best options for ethical investing.\"}),/*#__PURE__*/e(\"h3\",{children:\"Governance considerations\"}),/*#__PURE__*/n(\"p\",{children:[\"Another way of caring for the environment is to \",/*#__PURE__*/e(t,{href:{pathVariables:{HRJVC2Tn4:\"what-is-sustainable-finance\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"mV2DF4ci8\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"invest in companies\"})}),\" that use transparent and accurate accounting methods. The best companies also pursue diversity and integrity when selecting their leadership. And they hold themselves accountable to their shareholders.\"]}),/*#__PURE__*/e(\"p\",{children:\"As an ESG investor, ask if your target company avoids conflict of interest among senior executives. The same should be true for their board members.\"}),/*#__PURE__*/e(\"p\",{children:\"All in all, the company should not allow prospective employees to pay company leaders to gain preferential treatment, for example. \"}),/*#__PURE__*/e(\"p\",{children:\"A sign that a company has the best governance is that they stagger their board elections. In addition, the company's CEO should not be serving as the board chair.\"}),/*#__PURE__*/e(\"h2\",{children:\"Importance of sustainability amid today's climate change risks\"}),/*#__PURE__*/e(\"p\",{children:\"Sustainable finance is helping today's consumers and companies alike to create a climate-resilient and climate-nutrient economy. Private investment in green companies is also helping the economy to become fairer and more resource-efficient.\"}),/*#__PURE__*/e(\"p\",{children:\"Given the value of ethical investing, the European Union (EU) is currently striving to build a monetary system that will support sustainable growth long term. For example, the Paris climate agreement emphasizes aligning finances with efforts to be low-carbon.\"}),/*#__PURE__*/n(\"p\",{children:[\"Specifically, the EU wants to decrease the emissions of greenhouse gases \",/*#__PURE__*/e(t,{href:\"https://www.climatescorecard.org/2021/07/european-commissions-goal-is-to-have-reduced-eu-greenhouse-gas-emissions-by-55-compared-to-1990-levels/#:~:text=To%20reach%20its%20goal%20of%20decreasing%20greenhouse%20gas,use%2C%20Land%20use%20change%20and%20Forestry%20%28LULUCF%29%20Regulation.\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"by 55%\"})}),\" compared with 1990's emissions rate by the year 2030.\"]}),/*#__PURE__*/e(\"p\",{children:\"The EU also wants to achieve carbon neutrality by 2050. This means it wants to reach net-zero emissions of greenhouse gases in just under three decades.\"}),/*#__PURE__*/e(\"p\",{children:\"How exactly can the EU make this happen? By re-orienting financial investments toward more sustainable businesses and technologies. The EU also aims to finance sustainable growth long term.\"}),/*#__PURE__*/e(\"h2\",{children:\"ESG investing benefits\"}),/*#__PURE__*/e(\"p\",{children:\"One of the top reasons to become an ESG investor is that this can protect your wallet in the event of an ethics blowup in the economy.\"}),/*#__PURE__*/e(\"p\",{children:\"For instance, let's say a company suffers from bad public relations due to an oil spill. The spill may have occurred due to unethical or risky operations. If you invested in this company, your investments may tank along with the firm's reputation.\"}),/*#__PURE__*/e(\"p\",{children:\"By investing in ESG-minded businesses, you can avoid this situation. However, the ESG companies you invest in must be real change agents. Their ESG goals must be actionable, measurable, and realistic.\"}),/*#__PURE__*/e(\"h2\",{children:\"How we can help with investing responsibly\"}),/*#__PURE__*/e(\"p\",{children:\"Given the current threat of climate change, sustainability needs to be a top priority. This will help true economic progress to happen. You can easily ramp up your ESG investing efforts by choosing eco-friendly companies to invest in.\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(t,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"At bunq\"})}),\", we are a leading sustainable finance company. We can help you to embrace ethical investment by investing only in green companies.\"]}),/*#__PURE__*/n(\"p\",{children:[\"Sign up and enjoy a free 30 day trial. \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Explore green banking\"})}),\", right on your phone.\"]})]});export const richText16=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Dear bunq users,\"}),/*#__PURE__*/e(\"p\",{children:\"Today, October 18, 2022, bunq won a historic court case against the Dutch Central Bank (DNB) on the use of modern technology in the fight against money laundering. The Dutch court ruled firmly in favor of our technology-driven philosophy.\"}),/*#__PURE__*/e(\"p\",{children:\"The direct result of this ruling paves the way for progress that will make banking safer for everyone. It enables broader cooperation between the financial industry and online players, as effectively tackling fraud can only be done if these work together. I\u2019d like to celebrate this moment with you, and thank you for your continued support throughout the years.\"}),/*#__PURE__*/e(\"p\",{children:\"From the very beginning, we founded bunq to challenge what banking is and what it could be. And from the get-go, we were supported by users such as yourself, who shared our belief that banking could and should be easy, diverse and transparent.\"}),/*#__PURE__*/e(\"p\",{children:\"Along the way we\u2019ve had many firsts, and today marks yet another milestone for the history books.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Here\u2019s what happened:\"})}),/*#__PURE__*/e(\"p\",{children:\"Being innovators at heart, we\u2019ve always argued for more effective ways to combat fraud and money laundering. The stability of the banking system depends on it. Our engineers built risk-based methods and incorporated advanced technology based on Artificial Intelligence to combat fraud smarter and more efficiently.\"}),/*#__PURE__*/e(\"p\",{children:\"For the longest time, the Dutch National Bank (DNB) rejected our methods, instead forcing us to adhere to their antiquated approach, to \u201Cdo as they say\u201D. Fraud detection at traditional banks kept relying on questionnaires that boiled down to asking people \u2018Are you a fraudster?\u2019\"}),/*#__PURE__*/e(\"p\",{children:\"It would have been easier to follow the DNB\u2019s rule-based approach, putting the safety of you, your money and that of the entire banking system, at increased risk. We were however keenly aware of the long term consequences DNB\u2019s methods would have.\"}),/*#__PURE__*/e(\"p\",{children:\"So we decided to take DNB to court.\"}),/*#__PURE__*/e(\"p\",{children:\"This was an unprecedented step - none of the traditional players has ever dared taking such a move. It was also a true David vs. Goliath case: with Idzard and Quirijn doing all the work on our side facing an endless supply of DNB lawyers opposing them.\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m incredibly happy to see that the Dutch court recognizes the importance of the innovation we bring to a centuries-old industry. Its decision paves the way for industry-wide progress and opens the door to a safer financial sector.\"}),/*#__PURE__*/e(\"p\",{children:\"Thank you for your support for the past 4 (!) years that it took us to get here,\"}),/*#__PURE__*/e(\"p\",{children:\"Cheers to you!\"}),/*#__PURE__*/e(\"p\",{children:\"Ali\"})]});export const richText17=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"But once in a while, you hear a story so inspiring, that it\u2019s simply worth sharing with the whole world. Or at least, all of you reading. Without further ado - meet Deniz!\"}),/*#__PURE__*/e(\"h2\",{children:\"Tell us a little bit about what made you join bunq\"}),/*#__PURE__*/e(\"p\",{children:\"Looking back, I didn\u2019t have an idea of which career path to pursue. You know\u2026student dilemmas. My only goal was to become financially independent in order to support myself. So then my search began.\"}),/*#__PURE__*/e(\"p\",{children:\"Back in 2019, while looking through job offers, I remember stumbling upon an opening which said: \u201Ctell us why you want to get shit done\u201D. This was bunq\u2019s old internal slogan. You don\u2019t see something like this often\u2026the wording, I mean. I found it bold that a company is confident enough to use this kind of terminology, openly. It was different, and I wanted something different. That\u2019s what actually caught my eye.\"}),/*#__PURE__*/e(\"h2\",{children:\"How was your experience at bunq, so far?\"}),/*#__PURE__*/e(\"p\",{children:\"My first position at bunq was a part-time Customer Guide. I was still a university student, and the support position didn\u2019t have special pre-requirements, so it seemed like a great place to start.\"}),/*#__PURE__*/e(\"p\",{children:\"Fast forward a couple of months, Yordan, my team lead at the time, asked me if I\u2019d like to become a Group Lead. This meant that I, a 21-year-old boy, living in his university dorm, with no experience as\u2026 well, anything\u2026would be leading a team of customer guides. Shocking, right? He saw something in me, which I couldn\u2019t even see myself. For the next year and a half as a Group Lead, I went through learning experiences that will probably be with me forever.\"}),/*#__PURE__*/e(\"p\",{children:\"Around late 2021, I decided to drop out of university. This was against the advice of most people around me, parents, and peers. But I wanted to focus on building a career that I truly wanted. Soon enough, came another opportunity - to work on building an internal admin platform for the operational teams. This was a pretty frontend-heavy job, so I started getting more and more involved with coding. Working on the project required more knowledge than I had at the time, so I began coding in my free time as well. Long story short - I quickly fell in love with it.\"}),/*#__PURE__*/e(\"p\",{children:\"Once the project was released, I asked my team lead if I could try out for the frontend developer position. A couple of weeks later, I had my Make A Difference day (trial day). Keep in mind, I have 0 experience in actual frontend - only what I\u2019ve been doing in my free time. Lo and behold\u2026I got the job!\"}),/*#__PURE__*/e(\"h2\",{children:\"What still excites you about working at bunq?\"}),/*#__PURE__*/e(\"p\",{children:\"If I were to pick one, it\u2019s probably knowing that I\u2019m doing something I truly enjoy with people that share the same passion. It\u2019s also quite amazing knowing that the product you\u2019re working on is actually making someone\u2019s life easy.\"}),/*#__PURE__*/e(\"p\",{children:\"Besides, bunq is a special place. It\u2019s a place where YOU matter, regardless of your background or education. It\u2019s a place that enables you to grow, to speak up, to put your creativity to work and actually make a difference every day.\"}),/*#__PURE__*/e(\"h2\",{children:\"Got a story that lives in your mind rent-free? Share it with us\"}),/*#__PURE__*/e(\"p\",{children:\"Ah yes! This is something that happened recently. The frontend team was working on ensuring the bunq web v2 was ready for the bunq Update 20. One week prior to the update, I got a call from my team lead, Thijs, randomly asking me whether I have plans for the weekend. I didn\u2019t. He goes: \u201Cwell, how about we fly you out to Amsterdam, so the whole team can work together?\u201D.\"}),/*#__PURE__*/e(\"p\",{children:\"Next thing you know, I\u2019m buying flight tickets and booking a hotel, because I have to be there the next day! Working an entire week with the team and attending bunq Update 20 live at De La Mar was an unbelievable experience through and through.\"}),/*#__PURE__*/e(\"h2\",{children:\"Any advice for people that may be looking for a new challenge?\"}),/*#__PURE__*/e(\"p\",{children:\"One small piece of advice: ask yourselves whether the thing you\u2019re doing on a daily basis is something that brings you joy, and if you find value in it. If yes, then amazing! If not, now is as good a time as any to make a change and pursue that thing you\u2019ve always wanted to. You\u2019ll be surprised.\"}),/*#__PURE__*/n(\"p\",{children:[\"Looking for something new? Go on - \",/*#__PURE__*/e(t,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"have a quick look at what it's like working at bunq.\"})})]})]});export const richText18=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"...now making a difference at bunq.  \"}),/*#__PURE__*/e(\"p\",{children:\"It all started with a vacation. After grinding away in a sales job for several years I needed a break far from home, and where could be further from New Zealand than the Netherlands? So I put on a backpack and jumped on a plane, planning to travel through Europe for a couple of months. \"}),/*#__PURE__*/e(\"h2\",{children:\"This is where I had my first encounter with bunq\"}),/*#__PURE__*/e(\"p\",{children:\"I hadn\u2019t realized how much my bank was charging me in exchange, overseas use and withdrawal fees. A local solution was required, and it came to me via a bus stop poster. Make an account in 5 mins? Challenge accepted. And bunq did it! That, combined with the insane functionality and a couple of great authentic conversations with the Support team gave me a super positive feel for bunq. \"}),/*#__PURE__*/e(\"p\",{children:\"As the end of my vacation got closer, I realized that I wasn\u2019t ready to leave yet. Amazing experiences all over Europe, rekindled connections with long lost family and a strong feeling that life was much more exciting here got me to tactically miss my return flight. But if I was going to stay, I\u2019d need to find some work. \"}),/*#__PURE__*/n(\"p\",{children:[\"Customer Service wasn\u2019t a job that I really wanted to do, but given the personality and individuality that bunq Support guides I'd talked to had shown, \",/*#__PURE__*/e(t,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"I wanted to join that team\"})}),\". I tested my fit (3 times, actually) and finally they gave me a shot. The thing that stood out to me from day one is the passion bunqers put into their work, and that everyone made themselves available to explain things and resolve problems.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Working in a bank is like solving a puzzle\"}),/*#__PURE__*/e(\"p\",{children:\"There are lots of pieces that fit together to get to the big picture. When someone is missing a payment or reaches out to Support with an interesting bug,  you get to dive through the accounts and the apps to understand exactly how it happened and what we can do to fix it.\"}),/*#__PURE__*/e(\"p\",{children:\"One day, I noticed a pattern with online scams;  It seemed like scammers were more active on Fridays afternoons, hoping that the weekend would give them more time to run away with the money. I absolutely hate scamming, so I thought of a process that could block some of these accounts instantly. This way, we could return more money to victims. That\u2019s the cool thing about bunq, if you have an idea that can make a difference, you can make it happen quicker than anywhere else.\"}),/*#__PURE__*/e(\"h2\",{children:\"My love of finding and solving bugs made me the perfect candidate to move to our Quality Assurance team\"}),/*#__PURE__*/e(\"p\",{children:\"Here I got to really understand bunq\u2019s inner workings and give critical feedback to make sure we fixed bugs before they got to you. It's a lot of pressure to be the last one to give the \u2705 before the apps are updated! Solving bugs also means creative input; I was able to work with our developers to not just find simple solutions, but also the best solution to keep our users happy. \"}),/*#__PURE__*/e(\"p\",{children:\"Creative input is what I value most about my work. Anyone from any department can come up with ideas to make things better, and they are taken seriously. Once I\u2019d been a QA Engineer for a year, I was asked to join the Product team, so that I could focus on taking the input we got from our users and bunqers, and putting it into action. These days I focus on making bunq more intuitive for you, shaving off any sharp corners and polishing the whole bunq experience to be smooth and simple for everyone.\"}),/*#__PURE__*/e(\"h2\",{children:\"Anyone who knows me knows I can't tell a short story, so I'll leave a TLDR here\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019ve never worked anywhere that gives the kind of opportunities that bunq does. The right person with the right attitude and desire to make a difference goes much further than someone who just has the right qualifications. I was given a chance to prove my value, and I've developed more in 3 years here than 10 anywhere else because of it. Can't wait to be a part of all the cool things coming up next!\"}),/*#__PURE__*/e(\"h2\",{children:\"Inspired by David\u2019s story?\"}),/*#__PURE__*/n(\"p\",{children:[\"You too can make a difference every day! We currently have plenty of job opportunities open. \",/*#__PURE__*/e(t,{href:{webPageId:\"TMNMHxE5z\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Test your fit and advance your career today\"})}),\".\"]})]});export const richText19=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Among those payments, 23% were credit transfers, and 22% direct debits. The use of cards in the euro area continues to increase.\"}),/*#__PURE__*/e(\"p\",{children:\"A credit card allows you to buy items and pay for them later. A debit card allows you to pay for items without handling money physically. Fraudsters can also use it to withdraw money from your account.\"}),/*#__PURE__*/e(\"p\",{children:\"Many people have been victims of different types of fraud relating to debit cards and credit cards. You may never know you\u2019re a victim until you check your bank statement.\"}),/*#__PURE__*/e(\"p\",{children:\"Read on to understand how to detect and deal with credit and debit card fraud.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is credit card fraud?\"}),/*#__PURE__*/e(\"p\",{children:\"Credit card fraud is a kind of theft that allows someone else to make a payment from your credit account. Apart from making a payment, they can also make withdrawals from your account.\"}),/*#__PURE__*/e(\"p\",{children:\"There are several types of credit card fraud. Stolen and lost cards can be in use without the owner\u2019s permission.\"}),/*#__PURE__*/e(\"p\",{children:\"Fraud can also happen through skimming. Skimming allows a fraudster to duplicate your card using a swiping machine.\"}),/*#__PURE__*/e(\"p\",{children:\"A fraudster can also steal your card details, such as name, address, and date of birth. Those details are mostly picked from email scams and unsecured online databases.\"}),/*#__PURE__*/e(\"p\",{children:\"Leaving your credit card unattended may allow a stranger to get your card information and use it for fraud.\"}),/*#__PURE__*/e(\"p\",{children:\"Besides, a fraudster can use your information in an attempt to gain a new card with it.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is debit card fraud?\"}),/*#__PURE__*/e(\"p\",{children:\"It occurs when someone uses your debit card details to transact without your knowledge. Upon noticing such unauthorized transactions, deactivate your card to avoid further fraud.\"}),/*#__PURE__*/e(\"p\",{children:\"There are different ways in which debit card fraud happens. One of them is skimming. Your card\u2019s magnetic strips store your personal details. A skimming device steals your details by passing them through that strip.\"}),/*#__PURE__*/e(\"p\",{children:\"Phishing is another fraud method. A fraudster will make you believe they are genuine and trustworthy in a quest to get your personal information. This mainly happens through emails or fake calls.\"}),/*#__PURE__*/e(\"p\",{children:\"Lost and stolen debit cards are also used to make fraudulent transactions. Another method is hacking into a retailer's online system to steal customers' details.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to detect credit and debit card fraud\"}),/*#__PURE__*/e(\"p\",{children:\"Scammers will always attempt to hack and get your personal information for fraudulent activities. If these activities go unnoticed, they can bring you huge bills.\"}),/*#__PURE__*/e(\"p\",{children:\"There are a few ways in which you can prevent them from getting to you. A regular check into your bank statements is important. Contact your card provider if there\u2019s any charge you are unaware of.\"}),/*#__PURE__*/e(\"p\",{children:\"A regular check into your card reports is also vital. It will give you information like someone trying to apply for a card with your details.\"}),/*#__PURE__*/n(\"p\",{children:[\"You can detect and prevent fraud through \",/*#__PURE__*/e(t,{href:\"https://www.cnbc.com/select/credit-card-fraud/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"bank alerts\"})}),\". You can get a notification, such as a text message, for any payment made using your card. bunq users get these notifications automatically, so they\u2019re always in full control. \"]}),/*#__PURE__*/e(\"p\",{children:\"Your credit card reaching its maximum spend faster than usual could mean someone else has been using it.\"}),/*#__PURE__*/e(\"p\",{children:\"Signing up for a service that monitors your card activities will give you a heads-up on any potential threats.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to protect yourself from fraud\"}),/*#__PURE__*/e(\"p\",{children:\"Avoid using your card in risky areas. Risky areas could include gas stations, restaurants, and unfamiliar locations. Avoid handing over your card to the cashiers in those places.\"}),/*#__PURE__*/e(\"p\",{children:\"Keep a distance when paying using a card to stay away from onlookers. This will prevent them from copying your card number and other important details.\"}),/*#__PURE__*/e(\"p\",{children:\"Once you get your account statements, it\u2019s important to dispose of them properly after use. Shredding is most recommendable to avoid people from digging out information from your trash.\"}),/*#__PURE__*/e(\"p\",{children:\"Preventing fraud could also mean inspecting a payment terminal before swiping your card. It will help you stay away from skimming. If something\u2019s out of the ordinary, avoid that payment point.\"}),/*#__PURE__*/e(\"p\",{children:\"Ask your card provider to block any lost or stolen cards. Blocking a stolen card will ensure whoever sees it doesn't use it for any transactions. Using bunq? You can immediately block your cards from your app, so no wasted time here. \"}),/*#__PURE__*/n(\"p\",{children:[\"Protecting yourself from ATMs that copy and remember your personal information is also advisable. There are other \",/*#__PURE__*/e(t,{href:{pathVariables:{HRJVC2Tn4:\"keep-your-money-secure-with-bunqs-extra-safety-features\"},unresolvedPathSlugs:{HRJVC2Tn4:{collectionId:\"RkpTlbLRO\",collectionItemId:\"WDopIgzlV\"}},webPageId:\"dO9lml58J\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"safer options\"})}),\" to avoid such machines that could remember your PIN.\"]}),/*#__PURE__*/e(\"h2\",{children:\"What to do as a victim of card fraud\"}),/*#__PURE__*/e(\"p\",{children:\"Always report credit card and debit card fraud to your card provider as soon as it's identified. They will work on your reimbursement for the fraudulent charges on your card.\"}),/*#__PURE__*/e(\"p\",{children:\"Changing your passwords and PIN will help stop further transactions from your account.\"}),/*#__PURE__*/e(\"p\",{children:\"In case of online fraud, contact the merchant and let them know you are pressing fraudulent charges on them. If they cooperate, it could mean you get your money back.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s also vital to report to the police where the fraudulent activity was extreme. They might also help recover items stolen together with your card in case of theft.\"}),/*#__PURE__*/e(\"p\",{children:\"To avoid dealing with further fraud cases, sign up for online banking. On mobile, you can easily check your balances and any recent activities with your account. You can also easily take action if something is to happen. \"}),/*#__PURE__*/e(\"h2\",{children:\"Enhance your banking security\"}),/*#__PURE__*/e(\"p\",{children:\"The above tips are very helpful in keeping your finances safe and away from fraudsters. You can also prevent fraud involving cards by avoiding public Wi-Fi. Logging out of a public computer after using it to access your bank account is also key.\"}),/*#__PURE__*/e(\"p\",{children:\"Using a good mobile banking app provides you with personal finance tips. It also gives you the freedom to transact and budget from your mobile.\"}),/*#__PURE__*/n(\"p\",{children:[\"bunq\u2019s here to make your banking experience effortless while guarding your money and upholding data security. \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Join us now\"})}),\" for a safe and efficient banking experience\"]})]});export const richText20=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"Today, 78% of small to medium-sized businesses are reaping the benefits of \",/*#__PURE__*/e(t,{href:\"https://webinarcare.com/best-invoice-management-software/invoice-management-statistics/#1\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"accounting software.\"})}),\" With the right invoicing system, bookkeeping and management of your online business account can be vastly improved.\"]}),/*#__PURE__*/e(\"p\",{children:\"Want to know about the benefits of using a reputable invoicing software provider? We're here to tell you how it can help you become more efficient, leaving you with more time to focus on growing your business.\"}),/*#__PURE__*/e(\"h2\",{children:\"Quicker Payments\"}),/*#__PURE__*/e(\"p\",{children:\"Getting paid faster is always a bonus as it means that money can be put to use for business purposes quicker. Invoicing software speeds up the payment process through automation so that details don't need to be entered manually when producing invoices.\"}),/*#__PURE__*/e(\"p\",{children:\"In just a few minutes, invoices can be made. This is especially beneficial when your business requires a lot of invoicing, so it's definitely a worthwhile investment. It enables you to save time from having to:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Confirm client details\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Create calculations\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Print invoices\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Mail them off\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"More Presentable Invoices\"}),/*#__PURE__*/e(\"p\",{children:\"An invoice that looks the part goes a long way in making a good impression with your clients. Included within it could be your own stint on branding your business that makes it professional and that's pleasing to your client.\"}),/*#__PURE__*/e(\"p\",{children:\"At bunq, our online invoices are very well-presented so that you can track your finances with ease and efficiency. Our app also allows you to take control of your online business accounts so that you stay on top of them.\"}),/*#__PURE__*/e(\"h2\",{children:\"Less Need for Administration\"}),/*#__PURE__*/e(\"p\",{children:\"When having to enter details for invoices manually, errors can easily creep in from time to time. Even the most astute of people can make minor mistakes that can lead to incorrect information presented to your business.\"}),/*#__PURE__*/e(\"p\",{children:\"It's crucial to avoid this, while making it easier to stay updated on when payments are made or if they're still due.\"}),/*#__PURE__*/n(\"p\",{children:[\"Within the bookkeeping integration process, \",/*#__PURE__*/e(t,{href:{webPageId:\"sxRFThGQm\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"bunq Business\"})}),\" saves you precious time on your administration by:\"]}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Providing automated statements to your accountant\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Calculating your value-added tax (VAT) through our app, and updating it every time you send and receive a payment\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Environmentally Friendly\"}),/*#__PURE__*/e(\"p\",{children:\"Online invoicing management systems improve eco-friendliness, both for us and our clients.\"}),/*#__PURE__*/e(\"p\",{children:\"Think about the amount of paper that's used for general invoicing - it's tons! Printing, correcting errors, and generating copies all add up to a hefty amount. But that's removed with online business accounting software.\"}),/*#__PURE__*/e(\"p\",{children:\"bunq\u2019s app, online software, and invoice management systems help protect the environment and by getting on board you can too!\"}),/*#__PURE__*/e(\"h2\",{children:\"Manage Your Bookkeeping and Invoicing by Signing up With Us Today\"}),/*#__PURE__*/n(\"p\",{children:[\"With our trusted invoicing management system, we help you \",/*#__PURE__*/e(t,{href:\"https://www.indeed.com/career-advice/career-development/what-is-bookkeeping\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"manage your bookkeeping\"})}),\" through our online accounting software. Since you now know how invoice management works, you're in the best position to choose the right provider for you.\"]}),/*#__PURE__*/e(\"p\",{children:\"Join our users that are noticing the benefits of faster, more efficient, and less time-consuming invoicing.\"}),/*#__PURE__*/n(\"p\",{children:[\"Start your \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"free 30-day trial\"})}),\" today! It's time to take the stress away and free up more time for your other business needs.\"]})]});export const richText21=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"Saving for later, living for now or working forever\u2026\u200D\"}),\"\u200D\"]}),/*#__PURE__*/e(\"p\",{children:\"These days those play out like a game of rock paper scissors: no one option beats the other two, especially not for young people. With retirement ages steadily increasing, many wonder if younger generations will one day enjoy the same perks today\u2019s elderly do, or if they\u2019ll permanently have to balance saving, living and working.\"}),/*#__PURE__*/e(\"p\",{children:\"We wanted to hear what millennials and Gen Z-ers themselves have to say about it: what are their thoughts on their own financial future, how do they plan ahead, and when - if ever - do they see themselves retiring?\"}),/*#__PURE__*/e(\"p\",{children:\"Together with PanelWizard, bunq asked over a thousand millennials (aged 28-42) and Gen Z-ers (aged 18-27) about their future. Here are some of the surprising things we learned:\"}),/*#__PURE__*/e(\"h2\",{children:\"40% of Gen Z expects to retire by 50 (!)\"}),/*#__PURE__*/e(\"p\",{children:\"When asked if they expect to be financially independent by the age of 50, the answer of 40% of Gen Z-ers was a resounding yes. Of the surveyed millennials nearly 25% was equally optimistic.\"}),/*#__PURE__*/e(\"p\",{children:\"Given the fact that the retirement age has been going up all over Europe in recent years, it\u2019s remarkable that so many young people have such a positive outlook on their financial future. It raises the question: how do they plan to reach financial independence by the age of 50? In other words, how do you juggle saving, living and working in such a way you can retire early?\"}),/*#__PURE__*/e(\"p\",{children:\"There are multiple ways to become financially independent, so let\u2019s see how Gen Z-ers and millennials go about it.\"}),/*#__PURE__*/e(\"h2\",{children:\"Saving, budgeting and setting long-term goals\"}),/*#__PURE__*/e(\"p\",{children:\"Perhaps the most straightforward way to ensure you\u2019ll be able to retire is to save money, budget carefully and have clear financial goals. Surprisingly though, 39% of our respondents don't set any long-term financial goals and 42% never set money aside.\u200D\"}),/*#__PURE__*/n(\"p\",{children:[\"Anyone who\u2019s ever used the bunq app knows how easy it is to save up for a new phone or a holiday with friends, but it\u2019s just as easy to let bunq help you reach long-term goals, such as retirement. Long-term saving was quite common among people who are currently enjoying their retirement, and with bunq it\u2019s easier than ever for young people to follow the same strategy. So if later generations lack the clear financial savings goals their parents had, what plans \",/*#__PURE__*/e(\"em\",{children:\"do \"}),\"they have?\"]}),/*#__PURE__*/e(\"h2\",{children:\"Starting a business\"}),/*#__PURE__*/e(\"p\",{children:\"Setting up your own business and then building it up successfully is one of the most accessible ways of achieving financial independence. Gen Z-ers and millennials seem to be keenly aware of this, as more than 50% of them are seriously considering the entrepreneurial road to financial independence.\u200D\"}),/*#__PURE__*/e(\"p\",{children:\"Perhaps the most surprising find wasn\u2019t so much that younger generations have an entrepreneurial spirit. It\u2019s their reason for being so open to the idea of having their own business: Gen Z-ers especially value the ability to determine their own working hours and location. For 67% this alone would be reason enough for starting their own company.\u200D\"}),/*#__PURE__*/e(\"p\",{children:\"This longing for freedom was particularly strong among digital nomads, who stood out in multiple ways:\"}),/*#__PURE__*/e(\"h2\",{children:\"Digital nomads seem to be best at long-term financial planning\"}),/*#__PURE__*/e(\"p\",{children:\"Unlike their peers who live and work in their home country, digital nomads are more inclined to set money aside for their future, more likely to set clear financial goals for themselves, and almost 30% more likely to start their own business than their stay-at-home counterparts.\u200D\"}),/*#__PURE__*/n(\"p\",{children:[\"At first glance, it may seem a bit surprising to learn that digital nomads - people who love to travel and embrace the \",/*#__PURE__*/e(\"em\",{children:\"now\"}),\" like few others - have a better long-term plan when it comes to their finances. Yet they clearly seem to pursue the most ways to prepare for their future: they save money and set clear financial goals much like generations before them, but at the same time are well aware of the great opportunities entrepreneurship offers, all while traveling the world and exploring new places.\u200D\"]}),/*#__PURE__*/e(\"p\",{children:\"Digital nomads as today\u2019s financial gurus? Sounds weird maybe, until you realize that\u2026\"}),/*#__PURE__*/e(\"h2\",{children:\"Freedom is today\u2019s true currency\"}),/*#__PURE__*/n(\"p\",{children:[\"The one thing that Gen Z-ers, millennials and the digital nomads among them all have in common is their desire for freedom. 30 years ago, \",/*#__PURE__*/e(\"em\",{children:\"making it big \"}),\"meant living in a big house with all the money in the world. These days, being rich is expressed in how free we are. \",/*#__PURE__*/e(\"em\",{children:\"Making it big\"}),\" has come to mean being able to do whatever you want, whenever you want, with whomever you want.\u200D\"]}),/*#__PURE__*/e(\"p\",{children:\"The answers we got from the people we surveyed confirm this. Gen Z-ers, and to a slightly lesser extent millennials as well, no longer think of wealth in terms of what they have, but in terms of what they can do.\u200D\"}),/*#__PURE__*/e(\"p\",{children:\"Of course, the more you plan your financial future, the more freedom you\u2019ll have. That\u2019s why we designed the bunq app to give you the best of both worlds: living it up in the present with countless features that make it easy to travel the world and have a good time with your friends, while at the same time planning ahead with multiple ways to effortlessly grow your long-term wealth or even start your own business.\u200D\"}),/*#__PURE__*/e(\"p\",{children:\"How do you see your financial future? Are you someone who\u2019s saving for retirement, or have you considered starting your own business in order to reach financial independence?\u200D\"}),/*#__PURE__*/n(\"p\",{children:[\"For more info on how the bunq app fits your lifestyle, simply click \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"here\"})}),\".\"]})]});export const richText22=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Maestro and Mastercard are two big names in the debit and credit card market. Understanding their similarities and differences will help you choose the card that best fits your lifestyle.\"}),/*#__PURE__*/e(\"p\",{children:\"Below, we\u2019ll dive in a bit more on Maestro and how it compares to Mastercard. You'll also find out how to order a new card and start taking advantage of the benefits it provides.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is Maestro?\"}),/*#__PURE__*/e(\"p\",{children:\"Maestro is a brand of debit card that Mastercard issues. Mastercard launched the brand in 1991.\"}),/*#__PURE__*/e(\"p\",{children:\"Maestro was the first online point-of-sale debit network. It was the first debit brand that cardholders could use almost anywhere in Europe. Maestro allows in-store payments and cash withdrawals at ATMs.\"}),/*#__PURE__*/e(\"p\",{children:\"Some Maestro cards allow online payments.\"}),/*#__PURE__*/e(\"p\",{children:\"And as any Dutchie will know\u2026it\u2019s the only card that lets you pay for anything and everything in the Netherlands.\"}),/*#__PURE__*/e(\"h2\",{children:\"Maestro vs Mastercard\"}),/*#__PURE__*/e(\"p\",{children:\"Mastercard is the issuer of a Maestro debit card. Confusion between the two is understandable. The main difference is the type of card available from each brand.\"}),/*#__PURE__*/e(\"p\",{children:\"Maestro is a debit card. It can be linked to a bank account or be prepaid. People may refer to a Maestro credit card, but all Maestro cards are actually debit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"A Mastercard can be a credit, bank debit, or prepaid card.\"}),/*#__PURE__*/e(\"h2\",{children:\"Debit vs Prepaid vs Credit\"}),/*#__PURE__*/e(\"p\",{children:\"A debit and prepaid card work in basically the same way. Cardholders can carry out transactions with the money available in their account. With a standard debit card, this is a bank account. With a prepaid card, it's the money loaded onto the card.\"}),/*#__PURE__*/e(\"p\",{children:\"Payments or withdrawals come directly from the money available.\"}),/*#__PURE__*/e(\"p\",{children:\"A credit card works differently. The bank pays transactions as they occur and gives the bill or invoice to the cardholder once a month. The bank or card issuer essentially loans the money to the cardholder.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does a Maestro debit card work?\"}),/*#__PURE__*/e(\"p\",{children:\"A Maestro debit card works the same way as a Mastercard debit card. Cardholders can use either type of card to make in-store payments or withdraw cash at an ATM.\"}),/*#__PURE__*/e(\"p\",{children:\"When online purchases are allowed with a Maestro card, the same security protocols as for Mastercard are in effect. The Mastercard SecureCode system will give the shopper another step for identity verification. A one-time passcode is often the verification method.\"}),/*#__PURE__*/e(\"p\",{children:\"Card payments over a set limit need the cardholder's signature or PIN. Cash withdrawals at an ATM always need the PIN. Both Maestro cards and Mastercards support contactless payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Where to use Maestro vs Mastercard\"}),/*#__PURE__*/e(\"p\",{children:\"Around 400 million Maestro cards are in circulation around the world. Maestro is especially popular in Europe. The largest European markets include Germany, Austria, the Netherlands, Belgium, and Switzerland.\"}),/*#__PURE__*/e(\"p\",{children:\"The Mastercard network is twice as large as Maestro. It supports more e-commerce transactions. The format of Maestro card numbers with up to 19 digits isn't compatible with many e-commerce portals.\"}),/*#__PURE__*/e(\"p\",{children:\"Many retailers have the Mastercard and/or Maestro logo on the door to show that they accept these cards. Online merchants also often show the card logos at checkout.\"}),/*#__PURE__*/e(\"p\",{children:\"A Maestro card gives you access to the Mastercard Cirrus ATM network. The Cirrus network is one of the largest in the world. Maestro and Mastercard cardholders can securely withdraw cash at millions of ATMs around the world.\"}),/*#__PURE__*/e(\"h2\",{children:\"Benefits of a Maestro debit card\"}),/*#__PURE__*/e(\"p\",{children:\"Retailers and ATMs worldwide accept Maestro cards. For people who live in Europe or will be travelling there, the popularity of Maestro makes it a good choice.\"}),/*#__PURE__*/e(\"p\",{children:\"Debit cards like Maestro have several advantages for managing a budget. Personal finance tips often include a recommendation for using debit cards instead of credit cards, because you won\u2019t risk falling into debt.\"}),/*#__PURE__*/e(\"p\",{children:\"Debit purchases come directly from the cardholder's account. Tracking spending is easier. The temptation to overspend is lower because the only money available is what's in the account.\"}),/*#__PURE__*/e(\"p\",{children:\"Debit cards can be an advantage when traveling. Cardholders don't need to carry as much physical cash. This is safer financially and personally, as many travel tips explain.\"}),/*#__PURE__*/e(\"p\",{children:\"If a debit card is lost or stolen, the thief can only use the amount of money in the account. No one wants to deal with the stress and hassle of unauthorized purchases. At least the damage will be more limited than if a thief takes a credit card.\"}),/*#__PURE__*/e(\"h2\",{children:\"Benefits of a Mastercard\"}),/*#__PURE__*/e(\"p\",{children:\"Mastercard gives you the option of a credit or debit card. Debit cards have many advantages. For larger purchases or making reservations, though, choosing a credit card may be a better option.\"}),/*#__PURE__*/e(\"p\",{children:\"Mastercard is one of the two largest payment processing networks in the world. Almost any retailer that accepts credit or debit cards will take Mastercard. Cardholders can make online purchases from almost any site.\"}),/*#__PURE__*/e(\"h2\",{children:\"The future of Maestro cards\"}),/*#__PURE__*/n(\"p\",{children:[\"Despite the many benefits of a Maestro card, Mastercard will be discontinuing the brand. \",/*#__PURE__*/e(t,{href:\"https://www.mastercard.com/news/europe/en/perspectives/en/2021/blog-from-valerie-nowak-why-this-maestro-is-retiring-after-30-years/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"According to a statement\"})}),\", Mastercard said that the main reason is to give cardholders an improved ability to make purchases online. Cardholders will be able to use their new debit cards online and offline in many more places.\"]}),/*#__PURE__*/e(\"p\",{children:\"Banks and card issuers will start replacing expired or lost Maestro cards starting 1st of July 2023. The standard replacement will be a Mastercard debit card.\"}),/*#__PURE__*/e(\"p\",{children:\"Cardholders don't need to take any action to get an updated card. When their Maestro cards expire after 1st of July 2023, their bank will send a new debit card. The new card will be linked to the same account and work the same way as the Maestro debit card.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to get a Maestro or Mastercard\"}),/*#__PURE__*/n(\"p\",{children:[\"Mastercard doesn't issue cards directly. You can get a Maestro or Mastercard with \",/*#__PURE__*/e(t,{href:{webPageId:\"dSVBG9bHR\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"your account from bunq\"})}),\". The process is simple:\"]}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Open the bunq app\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:'Tap \"Cards\"'})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:'Tap \"Add Debit Card\" or \"Add Credit Card\"'})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Choose the card you want\"})})]}),/*#__PURE__*/e(\"p\",{children:\"The card will arrive in the mail within 10 business days. You can then simply link it to Apple Pay or Google Pay, and enjoy mobile payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Start enjoying the benefits of your card\"}),/*#__PURE__*/e(\"p\",{children:\"Retailers worldwide accept Maestro and Mastercard. Cardholders have convenient access to ATMs for cash withdrawals.\"}),/*#__PURE__*/e(\"p\",{children:\"If you want a debit card, and you'll be using it mostly in Europe, Maestro may be a good choice. If you want a credit card, you'll need a Mastercard. Mastercard also gives you more freedom to make online purchases.\"}),/*#__PURE__*/e(\"p\",{children:\"bunq makes getting a new card quick and easy. You can open an account in just five minutes and have your Maestro or Mastercard a few days later. Online support is available 24/7 if you have questions or need help.\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(t,{href:{webPageId:\"RAcKLSXrV\"},motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Compare our plans\"})}),\" today to choose the plan and the best debit card or credit card for you.\"]})]});export const richText23=/*#__PURE__*/n(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"In this article, we\u2019ll review everything you need to know about it. Read on to learn more.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is pre-authorisation?\"}),/*#__PURE__*/n(\"p\",{children:['A pre-authorisation - also referred to as \"authorisation hold\" or \"pre-auth\" - is a temporary hold that is put on a credit card belonging to a credit card customer. Usually, the time needed for ',/*#__PURE__*/e(t,{href:\"https://www.nerdwallet.com/ca/banking/what-is-pre-authorized-debit\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"the pre-authorisation process\"})}),\" is about five days.\"]}),/*#__PURE__*/e(\"p\",{children:'The pre-authorisation period ends when the post-authorisation - or \"settlement\" - comes through.'}),/*#__PURE__*/e(\"p\",{children:\"What ultimately determines the amount of time that the pre-authorisation process takes is your MCC, or Merchant Classification Code.\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re a merchant, be careful when it comes to extending a temporary hold for a period that\u2019s too long. Customers, sometimes, will move their funds around. When this occurs, it could cause a transaction denial.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does it work?\"}),/*#__PURE__*/e(\"p\",{children:\"When a pre-authorisation occurs, the merchant takes a payment that\u2019s deferred instead of one that\u2019s a full immediate payment, in a specific situation. This specific situation is when a customer purchases a service or product.\"}),/*#__PURE__*/e(\"p\",{children:\"Once the pre-authorisation period ends, the merchant will have the opportunity to convert the deferred transaction manually into a payment.\"}),/*#__PURE__*/e(\"p\",{children:\"During this period, it will be possible for the merchant to check whether the payment is genuine. However, unless the full authorisation is carried during this time, the customer will get their funds back when they\u2019re released.\"}),/*#__PURE__*/e(\"h2\",{children:\"Why is it required?\"}),/*#__PURE__*/e(\"p\",{children:\"Using pre-authorisation is a way for merchants to make the payments they take from their customers more secure. Basically, they protect themselves from fraud.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is it used for?\"}),/*#__PURE__*/e(\"p\",{children:\"Pre-authorisation can be useful for any type of business that sells products over the phone or online. However, when it comes to situations when merchants use pre-authorisation most often, there are two that are the most common.\"}),/*#__PURE__*/e(\"p\",{children:\"One of these situations is one in which there is a no-show risk. Another situation is when there are extra charges that might be incurred.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, a hotel or another accommodation provider is likely to pre-authorise a credit or debit card. When this occurs the hotel will pre-authorise an amount on the card.\"}),/*#__PURE__*/e(\"p\",{children:\"This amount will be an estimated amount the customer might spend at the hotel. This amount is based on elements like refreshments or the room.\"}),/*#__PURE__*/e(\"p\",{children:\"A car rental company is also likely to use pre-authorisation. The payments they often pre-authorise are those that they estimate a customer will submit to them after they have finished the period of renting the car.\"}),/*#__PURE__*/e(\"p\",{children:\"This estimate might include the costs of insurance, petrol, or mileage. Additionally, the pre-authorisation provides a bit of financial cover if the customer returns the vehicle in poor condition.\"}),/*#__PURE__*/e(\"p\",{children:\"Several other merchant types are likely to use pre-authorisation. These include activity providers, like boat or bike rental operators. They also include restaurants and bars.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are the benefits of it?\"}),/*#__PURE__*/e(\"p\",{children:\"There are many benefits merchants get when they use credit card pre-authorisation. These include a reduction in fraud (and consequential chargebacks), reduced transaction costs, and the elimination of most refund fees.\"}),/*#__PURE__*/e(\"p\",{children:\"They also include the reduction of merchant-caused refunds and the fact that they offer a payment guarantee of sorts.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does it work at bunq?\"}),/*#__PURE__*/e(\"p\",{children:\"When a customer has completed the payment, the merchant should notify bunq within a specific period. If the transaction has occurred in Europe, merchants have to do this within 20 minutes. If it has occurred in the US or Canada, within an hour.\"}),/*#__PURE__*/e(\"p\",{children:\"Rarely, the authorisation is delayed by two hours. When this occurs, bunq doesn\u2019t receive the finalization message. This happens, especially, in countries that are credit card-based.\"}),/*#__PURE__*/e(\"p\",{children:\"When this occurs, bunq will only adjust the transaction after they\u2019ve received the request. This can take a maximum of a few days.\"}),/*#__PURE__*/e(\"p\",{children:\"If there\u2019s another reason that the transaction wasn\u2019t complete, they\u2019ll reverse the reservation automatically. This will occur in 7 or 30 days, depending on the merchant.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is my credit card limit at bunq?\"}),/*#__PURE__*/n(\"p\",{children:[\"When you have a bunq card, you do not actually have a credit card limit in that you don\u2019t have a line of credit. Even though you can \",/*#__PURE__*/e(t,{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(a.a,{children:\"use your card\"})}),\" like a credit card, it works more like a debit card, as the amount you can spend is what you have into your account.\"]}),/*#__PURE__*/e(\"p\",{children:'Therefore, the \"credit card\" limit you have at bunq is the amount you have in your bunq account. No worries, you can never go into depth!'}),/*#__PURE__*/e(\"h2\",{children:\"Want more information?\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you\u2019ve learned about credit card pre-authorisation, you might want more information. Maybe you want to learn about refund processes, fees, payment guarantee, payment gateway, transaction costs, deposit processes, waiting for your deposit, or post-authorisation processes.\"}),/*#__PURE__*/n(\"p\",{children:[\"Whatever information you need, we can help. At bunq, we\u2019re experts when it comes to credit cards and credit card processes. \",/*#__PURE__*/e(t,{href:\"https://together.bunq.com/\",motionChild:!0,nodeId:\"RkpTlbLRO\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Check out our knowledge base here\"})}),\".\"]}),/*#__PURE__*/n(\"p\",{children:[\"We also offer easy mobile banking. 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