Head to head · 2026
ASN Sparen vs Rabo Spaargeld
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
Rabo Spaargeld is the stronger pick for most expats.
- Interest rate: 1.40% 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.
Rabobank
Our pickRabo Spaargeld
One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.
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)
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
Frequently asked
Is ASN Sparen or Rabo Spaargeld better for expats in the Netherlands?
Rabo Spaargeld comes out ahead for most expats. Interest rate: 1.40% vs 1.30%
Which has the higher interest rate, ASN Sparen or Rabo Spaargeld?
Rabo Spaargeld pays more — 1.40% versus 1.30%.
Are ASN Sparen and Rabo Spaargeld covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Rabo Spaargeld is covered up to €100,000.