Head to head · 2026
ASN Sparen vs Spaarrekening
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
Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.85% vs 1.30%
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.
Ayvens Bank
Our pickSpaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
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.
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)
Spaarrekening
What we like
- Dutch bank with DNB supervision
- Full €100k deposit guarantee
- No account fees
- Straightforward savings
What to consider
- Rate not the highest (1.85%)
- Basic online interface
- Less known brand (rebranded)
- No mobile app highlights
Frequently asked
Is ASN Sparen or Spaarrekening better for expats in the Netherlands?
Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 1.30%
Which has the higher interest rate, ASN Sparen or Spaarrekening?
Spaarrekening pays more — 1.85% versus 1.30%.
Are ASN Sparen and Spaarrekening covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Spaarrekening is covered up to €100,000.