Head to head · 2026
ABN AMRO Savings vs Garanti BBVA Savings
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
Garanti BBVA Savings is the stronger pick for most expats.
- Interest rate: 2.55% for 6 mo, then 1.55% vs 1.45%
ABN AMRO
ABN 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.
Garanti BBVA
Our pickGaranti BBVA Savings
Dutch-registered bank (part of BBVA group) offering 1.55% standard rate with a 2.55% promo for the first 6 months. Solid option with DNB supervision.
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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
Garanti BBVA Savings
What we like
- 2.55% promotional rate for 6 months
- Dutch-registered bank with DNB supervision
- Full €100k deposit guarantee
- No lock-up period
What to consider
- Standard rate drops to 1.55% after promo
- Less known brand in Netherlands
- Basic online interface
- Rate may change
Frequently asked
Is ABN AMRO Savings or Garanti BBVA Savings better for expats in the Netherlands?
Garanti BBVA Savings comes out ahead for most expats. Interest rate: 2.55% for 6 mo, then 1.55% vs 1.45%
Which has the higher interest rate, ABN AMRO Savings or Garanti BBVA Savings?
Garanti BBVA Savings pays more — 2.55% for 6 mo, then 1.55% versus 1.45%.
Are ABN AMRO Savings and Garanti BBVA Savings covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). Garanti BBVA Savings is covered up to €100,000.