The Rand Points Store allows you to use your points to unlock benefits such as free card deposits or extra APY bonuses.

When withdrawing funds from your Earn account, your Bonus APY resets. However, you can avoid this by using Rand Points, allowing you to withdraw any amount without losing your Bonus APY. You can also eliminate card deposit fees by redeeming 50 points for every €1 of commission. Alternatively, we recommend using SEPA bank transfers, which are completely free.

Additionally, you have the option to purchase a +0.10% APY bonus for 500 points. This bonus is added to your Earn account immediately after purchase. It’s especially useful if you want to start with a higher APY than your balance qualifies for, or if your Bonus APY has recently reset and you want to restore it.

Please note that if your Bonus APY is already at the maximum of 0.50%, you won’t be able to purchase this bonus.

Using the Rand Points Store strategically can significantly enhance your overall experience by helping you optimize the performance of your savings on the platform.

Points

Points can be redeemed for additional benefits within the Rand app.

Inside the app, you’ll find the Points Menu, where you can redeem points earned through the Goals section or purchase points directly. In both cases, you’ll be able to use them to unlock extra benefits.

What Can You Get In yje Points Menu?

• Protect your Bonus APY when withdrawing
• Extra 0.10% APY Bonus
• Free Card Deposit

What Is “Protect Your Bonus APY”?

The Withdrawal Pass / Protect Your Bonus APY feature is a practical solution for users who need to withdraw funds while keeping their Bonus APY intact.

Normally, every time you make a withdrawal, your Bonus APY resets to zero, this can be frustrating if you’ve been building it over several months. With this feature, you can avoid that reset and continue enjoying your accumulated bonus (your base APY always remains unaffected and depends on your balance).

How to Use Protect my Bonus APY in Rand to Maintain Your APY Bonus

Rand rewards users with additional APY for holding their savings long term without withdrawals. This bonus APY can increase up to 6.5%, meaning the longer you hold your balance, the higher your returns.

But what if you need liquidity without losing your bonus?

That’s where Protect Your Bonus APY come in.

How to Buy Protect Bonus APY in the Points Store

Rand has made it easy to purchase it through the Points Menu. You can redeem your points for this protection, available in values ranging from €100 to €100,000. 1 point = 1 euro (if you want to withdraw 100 euros, you will need 100 points).

Here’s how it works:

• Store: In the store, you can use your points to acquire it or buy more points to exchange them for passes or other benefits.
• Protect My Bonus APY Section: You’ll find options to withdraw up to €100,000 to your bank account without losing your APY bonus.

Values (where €100 is the total withdrawal amount and 100 points are required, meaning 1 point = 1 euro):

• €100: 100 points
• €1,000: 1,000 points
• €10,000: 10,000 points
• €100,000: 100,000 points

Benefits of Protect My Bonus APY

• Maintain Your APY Bonus: Using it prevents your bonus APY from resetting. This is ideal if you have 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 Get a Free Card Deposit in the Points Store

In the Points Store, you can redeem points to cover card deposit fees.

The cost is 50 points per €1 of commission, allowing you to remove the fee proportionally based on your deposit amount.

When you create your Rand account, you receive one free card deposit. If you prefer to save it for later, remember that SEPA bank transfers are always free. While they are not instant, they typically take no more than two business days.

How to Buy an Additional 0.10% APY Bonus

In the Rand Points Store, you can purchase an additional +0.10% APY bonus to boost your Earn account, either directly from the Points Menu or within the Earn account itself.

You’ll need 1,000 points to redeem this benefit.

Please note:

• This bonus is not stackable (only one can be active at a time)
• It will be lost if you withdraw funds from your Earn account
• You can purchase it again after a withdrawal.

These new features in the Points Store are designed to help you maximize your savings:

• Earn higher returns with an extra +0.10% APY
• Maintain your Bonus APY with Withdrawal Passes
• Avoid fees on large deposits

Rand’s Protect Your Bonus APY feature is especially valuable for users who want flexibility without sacrificing returns.

Make the most of these tools to ensure your money keeps working for you, even when you need to access it.