Head to head · 2026
ABN AMRO Savings vs Savings Vault
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
Savings Vault is the stronger pick for most expats.
- Interest rate: 1.74% 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.
Revolut
Our pickSavings Vault
Up to 2.59% on Ultra plan, 1.74% on Standard plan. Daily interest payments. Great if you already use Revolut for travel.
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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
Savings Vault
What we like
- Up to 2.59% (Ultra plan)
- Daily interest payments
- Excellent app and UX
- Multiple currency savings
What to consider
- Best rate requires expensive Ultra plan
- Lithuanian banking license
- Can be confusing with multiple vaults
- Rate varies by subscription tier
Frequently asked
Is ABN AMRO Savings or Savings Vault better for expats in the Netherlands?
Savings Vault comes out ahead for most expats. Interest rate: 1.74% vs 1.45%
Which has the higher interest rate, ABN AMRO Savings or Savings Vault?
Savings Vault pays more — 1.74% versus 1.45%.
Are ABN AMRO Savings and Savings Vault covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.