We can imagine that it is handy to always have some money on hand. You can open an additional Direct Savings account free of charge and turn on the Savings Lock on the savings account with the balance you do not need right away.
Let’s say you have a savings account that has €8,000 in it, and that you want to be able to withdraw €1,000 from it right away, at any time. In that case, you can open an additional Direct Savings account, deposit €1,000 and leave the remaining €7,000 in your existing savings account. You can turn on the Savings Lock on this account. That way, you ensure that most of your savings are extra protected.