Earn Account: Up to 6.00% APY on Your Savings

Rand’s Earn Account is a very simple way to grow your money without needing any investment knowledge: you deposit your savings and, instead of sitting idle like in a traditional bank, they start generating returns automatically every day (what we call APY, or annual percentage yield).

It works like an upgraded savings account: you can withdraw whenever you want, your money keeps working while you’re not using it, and the longer you keep it, the more it can grow. It’s not a traditional bank, but it’s designed so anyone can make the most of their money without complications.

How Much Can You Earn?

All users can earn up to 6.00% APY through a structure that rewards loyalty, with incremental APY based on your balance and how long you maintain your savings.

• You start with a minimum base APY of 4.00%, depending on your balance (this base can be higher).
• On top of that, you receive a +0.10% APY bonus every 14 days you keep your funds without withdrawing.
• This bonus can reach up to +0.50% APY, allowing you to achieve the full 6.00% APY.

How Does the New Incremental APY Structure Work?

Previously, the APY in your Earn Account was organized into broader tiers with less progression between levels. Now, we’ve optimized the structure to make it more gradual, fair, and better adapted to your balance, so you can improve your returns more progressively.

New APY Structure:

• Tier 1: < €5,000 → 4.00% APY
• Tier 2: €5,000 – €10,000 → 4.25% APY
• Tier 3: €10,000 – €25,000 → 4.50% APY
• Tier 4: €25,000 – €50,000 → 4.75% APY
• Tier 5: €50,000 – €100,000 → 5.00% APY
• Tier 6: €100,000 – €150,000 → 5.25% APY
• Tier 7: ≥ €150,000 → 5.50% APY

Loyalty Bonus: Earn Up to an Extra +0.50% APY

The real innovation comes from the ability to increase your base APY through a loyalty bonus of up to +0.50%, simply by not withdrawing your funds.

How to Get the +0.50% APY Bonus

The bonus builds progressively over time:

• You earn +0.10% APY every 14 days
• Each new period extends by 14 days:
  • First period: 14 days
  • Second period: 28 days (14 + 14)
  • Third period: 42 days (28 + 14)
  • Fourth period: 56 days (42 + 14)
  • And so on…

What Happens If You Withdraw? If you withdraw funds:

• You lose your accumulated bonus
• Your bonus APY resets to 0%
• Your base APY remains unchanged according to your balance

However, if you need to withdraw without losing your bonus, Rand offers APY Bonus Protection.

Protect Your Bonus with Rand Points

You can avoid losing your bonus by activating APY Bonus Protection using your Rand Points.

• Activate protection before confirming your withdrawal
• If you have enough points, they will be applied automatically
• If not, you’ll be prompted to purchase the required points

How to Get an Extra +0.10% APY Bonus in the Points Store

You can also boost your returns by purchasing an additional +0.10% APY bonus in the Points Store (accessible via the points icon in the app menu).

Once inside:

• Select the APY bonus option
• Redeem the required points
• The bonus will be automatically applied to your Earn Account

Keep in mind:

• You can only have one bonus active at a time
• It cannot be combined with another bonus of the same type
• It will be lost if you withdraw (unless protected)
• You can repurchase it or protect it again using Points

This is a quick and easy way to maximize your savings performance.

New Earn Account Interface

With this update, Rand has also improved the Earn Account interface, making it more intuitive and user-friendly.

From your account, you’ll be able to:

• See how many days remain until your next bonus
• Track how much your savings could grow over time thanks to compounding

Additionally, the LEARN section now includes everything you need to understand how to maximize your savings, along with a benefits calculator to project your wealth growth over time.

Start saving today and watch your money grow with Rand!