Head to head · 2026
Spaarrekening 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
Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.85% vs 1.15%
Ayvens Bank
Our pickSpaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
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.
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
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 Spaarrekening or Internet Sparen better for expats in the Netherlands?
Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 1.15%
Which has the higher interest rate, Spaarrekening or Internet Sparen?
Spaarrekening pays more — 1.85% versus 1.15%.
Are Spaarrekening and Internet Sparen covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). Internet Sparen is covered up to €100,000.