Head to head · 2026
Spaarrekening vs Klarna 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 1.70%
Ayvens Bank
Our pickSpaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
Klarna
Klarna Savings
Swedish fintech now offering savings with 1.75% interest. Same app you might use for shopping, now with savings rates.
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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.
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
Klarna Savings
What we like
- 1.75% interest rate
- Excellent mobile app
- Swedish bank license
- EU deposit guarantee (Sweden)
What to consider
- Primarily known for payments
- Swedish bank (not Dutch)
- Relatively new savings product
- App focused on shopping features
Frequently asked
Is Spaarrekening or Klarna Savings better for expats in the Netherlands?
Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 1.70%
Which has the higher interest rate, Spaarrekening or Klarna Savings?
Spaarrekening pays more — 1.85% versus 1.70%.
Are Spaarrekening and Klarna Savings covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). Klarna Savings is covered up to €100,000.