Head to head · 2026
ASN Sparen vs Savings Vault
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
Savings Vault is the stronger pick for most expats.
- Interest rate: 1.74% 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.
Revolut
Our pickSavings Vault
Up to 2.59% on Ultra plan, 1.74% on Standard plan. Daily interest payments. Great if you already use Revolut for travel.
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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)
Savings Vault
What we like
- Up to 2.59% (Ultra plan)
- Daily interest payments
- Excellent app and UX
- Multiple currency savings
What to consider
- Best rate requires expensive Ultra plan
- Lithuanian banking license
- Can be confusing with multiple vaults
- Rate varies by subscription tier
Frequently asked
Is ASN Sparen or Savings Vault better for expats in the Netherlands?
Savings Vault comes out ahead for most expats. Interest rate: 1.74% vs 1.30%
Which has the higher interest rate, ASN Sparen or Savings Vault?
Savings Vault pays more — 1.74% versus 1.30%.
Are ASN Sparen and Savings Vault covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.