Head to head · 2026
ASN Sparen vs Klarna 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
Klarna Savings is the stronger pick for most expats.
- Interest rate: 1.70% 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.
Klarna
Our pickKlarna Savings
Swedish fintech now offering savings with 1.75% interest. Same app you might use for shopping, now with savings rates.
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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)
Klarna Savings
What we like
- 1.75% interest rate
- Excellent mobile app
- Swedish bank license
- EU deposit guarantee (Sweden)
What to consider
- Primarily known for payments
- Swedish bank (not Dutch)
- Relatively new savings product
- App focused on shopping features
Frequently asked
Is ASN Sparen or Klarna Savings better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 1.70% vs 1.30%
Which has the higher interest rate, ASN Sparen or Klarna Savings?
Klarna Savings pays more — 1.70% versus 1.30%.
Are ASN Sparen and Klarna Savings covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Klarna Savings is covered up to €100,000.