Head to head · 2026
ASN Sparen vs Instant 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
ASN Sparen is the stronger pick for most expats.
- Interest rate: 1.30% vs 0.30%
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.
N26
Instant Savings
German neobank with 0.30% on free plan, up to 2.00% on paid plans. Good app but free tier rate is disappointing compared to competitors.
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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)
Instant Savings
What we like
- Excellent mobile app
- German bank with EU guarantee
- Easy account opening
- Round-up savings features
What to consider
- Low free tier rate (0.30%)
- Best rate (2.00%) requires paid plan
- Trade Republic beats it on rates
- Customer service issues reported
Frequently asked
Is ASN Sparen or Instant Savings better for expats in the Netherlands?
ASN Sparen comes out ahead for most expats. Interest rate: 1.30% vs 0.30%
Which has the higher interest rate, ASN Sparen or Instant Savings?
ASN Sparen pays more — 1.30% versus 0.30%.
Are ASN Sparen and Instant Savings covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Instant Savings is covered up to €100,000.