Head to head · 2026
Spaarrekening vs BUUT Savings
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
Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.85% vs 1.45%
Ayvens Bank
Our pickSpaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
BUUT (ABN AMRO)
BUUT Savings
New neobank launched by ABN AMRO in 2025, built by the Tikkie team. Dutch IBAN with savings tools and budgeting features. Same rates as ABN AMRO Direct Sparen.
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.
Spaarrekening
What we like
- Dutch bank with DNB supervision
- Full €100k deposit guarantee
- No account fees
- Straightforward savings
What to consider
- Rate not the highest (1.85%)
- Basic online interface
- Less known brand (rebranded)
- No mobile app highlights
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
Frequently asked
Is Spaarrekening or BUUT Savings better for expats in the Netherlands?
Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 1.45%
Which has the higher interest rate, Spaarrekening or BUUT Savings?
Spaarrekening pays more — 1.85% versus 1.45%.
Are Spaarrekening and BUUT Savings covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). BUUT Savings is covered up to €100,000.