Head to head · 2026
ABN AMRO Savings vs Rabo Spaargeld
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 1.40%
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.
Rabobank
Rabo Spaargeld
One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.
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
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
Frequently asked
Is ABN AMRO Savings or Rabo Spaargeld better for expats in the Netherlands?
ABN AMRO Savings comes out ahead for most expats. Interest rate: 1.45% vs 1.40%
Which has the higher interest rate, ABN AMRO Savings or Rabo Spaargeld?
ABN AMRO Savings pays more — 1.45% versus 1.40%.
Are ABN AMRO Savings and Rabo Spaargeld covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). Rabo Spaargeld is covered up to €100,000.