Head to head · 2026
Easy Savings vs Garanti BBVA 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
Easy Savings is the stronger pick for most expats.
- Interest rate: 2.01% vs 2.55% for 6 mo, then 1.55%
bunq
Our pickEasy Savings
Dutch bank with tiered interest: 1.51% base rate, 2.01% bonus on savings above your threshold. Weekly payouts, excellent app, max 2 withdrawals/month.
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Garanti BBVA
Garanti BBVA Savings
Dutch-registered bank (part of BBVA group) offering 1.55% standard rate with a 2.55% promo for the first 6 months. Solid option with DNB supervision.
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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.
Easy Savings
What we like
- Up to 2.01% bonus interest above threshold
- Weekly interest payments
- Excellent mobile app
- Dutch bank with €100k guarantee
What to consider
- Requires bunq subscription (€2.99+/mo)
- Max 2 withdrawals/month
- Base rate only 1.51% (below threshold)
- Subscription cost eats into returns
Garanti BBVA Savings
What we like
- 2.55% promotional rate for 6 months
- Dutch-registered bank with DNB supervision
- Full €100k deposit guarantee
- No lock-up period
What to consider
- Standard rate drops to 1.55% after promo
- Less known brand in Netherlands
- Basic online interface
- Rate may change
Frequently asked
Is Easy Savings or Garanti BBVA Savings better for expats in the Netherlands?
Easy Savings comes out ahead for most expats. Interest rate: 2.01% vs 2.55% for 6 mo, then 1.55%
Which has the higher interest rate, Easy Savings or Garanti BBVA Savings?
Easy Savings pays more — 2.01% versus 2.55% for 6 mo, then 1.55%.
Are Easy Savings and Garanti BBVA Savings covered by the Dutch deposit guarantee?
Easy Savings is covered (deposits protected up to €100,000). Garanti BBVA Savings is covered up to €100,000.