Head to head · 2026
ASN Sparen vs BUUT 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
BUUT Savings is the stronger pick for most expats.
- Interest rate: 1.45% 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.
BUUT (ABN AMRO)
Our pickBUUT Savings
New neobank launched by ABN AMRO in 2025, built by the Tikkie team. Dutch IBAN with savings tools and budgeting features. Same rates as ABN AMRO Direct Sparen.
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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.
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)
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
Frequently asked
Is ASN Sparen or BUUT Savings better for expats in the Netherlands?
BUUT Savings comes out ahead for most expats. Interest rate: 1.45% vs 1.30%
Which has the higher interest rate, ASN Sparen or BUUT Savings?
BUUT Savings pays more — 1.45% versus 1.30%.
Are ASN Sparen and BUUT Savings covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). BUUT Savings is covered up to €100,000.