Head to head · 2026
ASN Sparen vs Oranje 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
ASN Sparen is the stronger pick for most expats.
- Interest rate: 1.30% vs 1.25%
ASN Bank
Our pickASN 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.
ING
Oranje Spaarrekening
ING savings account integrated with your payment account. Convenient but rate is low at 1.25%. Best for convenience, not returns.
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)
Oranje Spaarrekening
What we like
- Largest Dutch bank
- Seamless app integration
- Instant transfers to current account
- Reliable and stable
What to consider
- Low interest rate (1.25%)
- Requires ING current account
- Much better rates elsewhere
- Rate varies by balance tier
Frequently asked
Is ASN Sparen or Oranje Spaarrekening better for expats in the Netherlands?
ASN Sparen comes out ahead for most expats. Interest rate: 1.30% vs 1.25%
Which has the higher interest rate, ASN Sparen or Oranje Spaarrekening?
ASN Sparen pays more — 1.30% versus 1.25%.
Are ASN Sparen and Oranje Spaarrekening covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Oranje Spaarrekening is covered up to €100,000.