Head to head · 2026
ASN Sparen vs Cash Interest
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
Cash Interest is the stronger pick for most expats.
- Interest rate: 2.00% 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.
Trade Republic
Our pickCash Interest
German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
Affiliate link — we may earn a commission. Details
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)
Cash Interest
What we like
- 2.00% interest (matches ECB rate)
- No account fees
- Dutch IBAN available
- Monthly interest payments
What to consider
- Primarily an investment platform
- German bank (not Dutch)
- Rate follows ECB (will drop when ECB cuts)
- Less established than traditional banks
Frequently asked
Is ASN Sparen or Cash Interest better for expats in the Netherlands?
Cash Interest comes out ahead for most expats. Interest rate: 2.00% vs 1.30%
Which has the higher interest rate, ASN Sparen or Cash Interest?
Cash Interest pays more — 2.00% versus 1.30%.
Are ASN Sparen and Cash Interest covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Cash Interest is covered up to €100,000.