Head to head · 2026
ASN Sparen vs Internet Sparen
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 1.15%
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.
Triodos Bank
Internet Sparen
Sustainable bank investing only in ethical projects. Lower rate (1.15%) is the trade-off for knowing your money funds positive impact.
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)
Internet Sparen
What we like
- 100% sustainable investments
- Transparent about where money goes
- B Corp certified bank
- Full €100k guarantee
What to consider
- Low interest rate (1.15%)
- Limited English support
- Smaller bank network
- Higher ethical standards = lower returns
Frequently asked
Is ASN Sparen or Internet Sparen better for expats in the Netherlands?
ASN Sparen comes out ahead for most expats. Interest rate: 1.30% vs 1.15%
Which has the higher interest rate, ASN Sparen or Internet Sparen?
ASN Sparen pays more — 1.30% versus 1.15%.
Are ASN Sparen and Internet Sparen covered by the Dutch deposit guarantee?
ASN Sparen is covered (deposits protected up to €100,000). Internet Sparen is covered up to €100,000.