Withdrawal Passes in Rand allow users to withdraw funds from their Earn account without resetting their accumulated APY bonus.
Normally, each time you make a withdrawal, your APY bonus resets. However, with a Withdrawal Pass, you can avoid this reset and keep your earnings intact. These passes can be purchased in the Points Store, with options ranging from withdrawing 100(€) (100 points) to 100.000 (€)
(100.000 points).
Withdrawal Passes can be combined. For example, if you want to withdraw 2.500(€), you could use a 10.000(€) pass, but this would waste 7.500(€) of the pass's value. Ideally, you would use two 1.000(€) passes and five 100(€) passes to match the exact amount.
The passes are applied on the transaction summary screen when making a withdrawal. You'll first choose an amount and the account to which you want to send the money. Then, on the transaction summary screen, you'll see the option to apply a Withdrawal Pass.
You must ensure that the total value of the selected passes is equal to or greater than the amount you wish to withdraw; otherwise, you won't be able to apply them.
It's important to note that Withdrawal Passes only protect your APY bonus, meaning your base APY can still be affected. Therefore, if your withdrawal only impacts your base APY, you won't see the option to use a Withdrawal Pass.
This system provides financial flexibility by allowing you to access your funds without sacrificing the performance of your savings.