Head to head · 2026
ABN AMRO Savings vs ASN Sparen
How these two savings accounts stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
ABN AMRO Savings is the stronger pick for most expats.
- Interest rate: 1.45% vs 1.30%
ABN AMRO
Our pickABN AMRO Savings
Major Dutch bank with excellent English support. Rate is up to 1.45% on Direct Sparen. You get reliability and easy integration if you bank with ABN.
ASN Bank
ASN Sparen
Major Dutch sustainable bank (formerly de Volksbank). Focuses on social and environmental impact. Now the parent brand after 2025 rebrand, incorporating SNS and RegioBank.
Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
ABN AMRO Savings
What we like
- Major Dutch bank
- Excellent English support
- Integrated with current account
- Full €100k guarantee
What to consider
- Lower interest rate than fintechs
- Requires ABN AMRO account
- Traditional banking experience
- Better rates elsewhere
ASN Sparen
What we like
- Sustainable investment focus
- Climate-positive bank
- Now a major Dutch banking group
- Full €100k guarantee
What to consider
- Low interest rate (~1.30%)
- Dutch-only interface mostly
- Limited product range
- Undergoing organizational changes (2025-2026 rebrand)
Frequently asked
Is ABN AMRO Savings or ASN Sparen better for expats in the Netherlands?
ABN AMRO Savings comes out ahead for most expats. Interest rate: 1.45% vs 1.30%
Which has the higher interest rate, ABN AMRO Savings or ASN Sparen?
ABN AMRO Savings pays more — 1.45% versus 1.30%.
Are ABN AMRO Savings and ASN Sparen covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). ASN Sparen is covered up to €100,000.