Head to head · 2026
ABN AMRO Savings vs Klarna 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
Klarna Savings is the stronger pick for most expats.
- Interest rate: 1.70% 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.
Klarna
Our pickKlarna Savings
Swedish fintech now offering savings with 1.75% interest. Same app you might use for shopping, now with savings rates.
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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
Klarna Savings
What we like
- 1.75% interest rate
- Excellent mobile app
- Swedish bank license
- EU deposit guarantee (Sweden)
What to consider
- Primarily known for payments
- Swedish bank (not Dutch)
- Relatively new savings product
- App focused on shopping features
Frequently asked
Is ABN AMRO Savings or Klarna Savings better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 1.70% vs 1.45%
Which has the higher interest rate, ABN AMRO Savings or Klarna Savings?
Klarna Savings pays more — 1.70% versus 1.45%.
Are ABN AMRO Savings and Klarna Savings covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). Klarna Savings is covered up to €100,000.