Head to head · 2026
ASN Sparen vs Garanti BBVA 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
Garanti BBVA Savings is the stronger pick for most expats.
- Interest rate: 2.55% for 6 mo, then 1.55% 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.
Garanti BBVA
Our pickGaranti BBVA Savings
Dutch-registered bank (part of BBVA group) offering 1.55% standard rate with a 2.55% promo for the first 6 months. Solid option with DNB supervision.
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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)
Garanti BBVA Savings
What we like
- 2.55% promotional rate for 6 months
- Dutch-registered bank with DNB supervision
- Full €100k deposit guarantee
- No lock-up period
What to consider
- Standard rate drops to 1.55% after promo
- Less known brand in Netherlands
- Basic online interface
- Rate may change
Frequently asked
Is ASN Sparen or Garanti BBVA Savings better for expats in the Netherlands?
Garanti BBVA Savings comes out ahead for most expats. Interest rate: 2.55% for 6 mo, then 1.55% vs 1.30%
Which has the higher interest rate, ASN Sparen or Garanti BBVA Savings?
Garanti BBVA Savings pays more — 2.55% for 6 mo, then 1.55% versus 1.30%.
Are ASN Sparen and Garanti BBVA Savings covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Garanti BBVA Savings is covered up to €100,000.