Head to head · 2026
ASN Sparen vs NIBC Direct 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
NIBC Direct Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.44% 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.
NIBC Direct
Our pickNIBC Direct Spaarrekening
Dutch bank offering 1.45% with no strings attached. Simple online-only savings. Often overlooked but solid choice for rate-seekers.
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)
NIBC Direct Spaarrekening
What we like
- 1.45% standard rate
- Dutch bank with DNB supervision
- No minimum deposit
- Full €100k guarantee
What to consider
- Online-only (no branches)
- Less known brand
- Basic online interface
- No mobile app
Frequently asked
Is ASN Sparen or NIBC Direct Spaarrekening better for expats in the Netherlands?
NIBC Direct Spaarrekening comes out ahead for most expats. Interest rate: 1.44% vs 1.30%
Which has the higher interest rate, ASN Sparen or NIBC Direct Spaarrekening?
NIBC Direct Spaarrekening pays more — 1.44% versus 1.30%.
Are ASN Sparen and NIBC Direct Spaarrekening covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). NIBC Direct Spaarrekening is covered up to €100,000.