Now, users can earn up to 6,5% APY in the Earn account based on two factors: their account balance and an additional bonus that is easily achieved by keeping their savings in the account. At Rand, we ensure everyone has the opportunity to reach a 6,5% return on their savings.

• 4% APY: €50 - €1.999
• 4,5% APY: €2,000 - €4.999
• 5% APY: €5,000 - €19.999
• 5,5% APY: €20.000 - €49.999
• 6% APY: €50.000 or more

How to Use Withdrawal Passes on Rand to Keep Your APY Bonus

Rand rewards users with an additional APY (Annual Percentage Yield) for maintaining their savings long-term without making withdrawals. This bonus APY can increase up to 6,5%, meaning the longer you keep your balance intact, the higher your returns will be. But what if you need to make a withdrawal and don’t want to lose your bonus? That’s where Withdrawal Passes come in.

What Are Withdrawal Passes?

Withdrawal Passes are a practical solution offered by Rand for users who need to withdraw funds from their account but want to keep their bonus APY intact. Every time you make a withdrawal, the bonus APY resets to zero, which can be challenging if you’ve been accumulating this bonus for several months. With a Withdrawal Pass, you can avoid this reset and continue enjoying the bonus APY.

Benefits of Withdrawal Passes

• Keep Your APY Bonus: Using a Withdrawal Pass prevents your bonus APY from resetting. This is ideal if you've accumulated a significant bonus and don’t want to lose it.
• ‍Financial Flexibility: Withdrawal Passes allow you to access your funds when needed without worrying about losing the benefits of your long-term savings plan.

How to Buy Withdrawal Passes in the Points Store

Rand has made purchasing Withdrawal Passes easy through the Points Store. Here, you can redeem your points for Withdrawal Passes, available in amounts ranging from €100 to €100.000.

Here’s how it works:

Store: In the store, you can use your points to acquire Withdrawal Passes or purchase more points to redeem for passes or other benefits. In the Withdrawal Passes section, you’ll find options to withdraw up to €100.000 to your bank account without losing your APY bonus.

The values are (with €100 being the total withdrawal amount and 25 points required for it):

• €100: 25 points
• €1.000: 250 points
• €10.000: 2.500 points
• €100.000: 25.000 points

How to Buy Free Card Deposits in the Points Store

Additionally, in the store, you can also redeem your points for free card deposits. For 250 points (equivalent to €5), you can avoid the card deposit fee.

However, we recommend using this benefit only if the fee exceeds €5 which occurs on deposits over €1.000. Otherwise, it's better not to waste the "free card deposit," or you can choose to deposit via SEPA bank transfer, which, while not instant, has no cost for the user.

How to Buy +0,5% Bonus APY in the Points Store

The 0.5% APY bonus is obtained in the same way, you will have and extra 0,5%APY on your Earn account. However, you can only purchase one at a time. Once it's used up, you'll be able to buy another.

In the points store, you'll need to buy 500 points to exchange for the 0.5% APY bonus. The cost, in euros, is €10.

Remember, you can only have one extra APY bonus active in your account at a time.

Points Price Table in the Store:

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Conclusion‍

These new benefits from the Store will help you save even more, like the extra 0.5% APY on your Earn account or the flexibility provided by 'withdrawal passes'. Plus, the option to purchase free card passes means that your higher-value card deposits will come with zero fees.

Withdrawal Passes on Rand are an excellent tool for those who want the flexibility to access their funds without sacrificing the performance of their savings. By purchasing these passes through Rand’s Points Store, you can keep your APY bonus intact and continue enjoying the benefits the platform offers.

Take advantage of this option to maximize your savings and ensure your money works for you, even when you need to withdraw funds.