Head to head · 2026
Easy Savings vs Instant 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 0.30%
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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N26
Instant Savings
German neobank with 0.30% on free plan, up to 2.00% on paid plans. Good app but free tier rate is disappointing compared to competitors.
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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
Instant Savings
What we like
- Excellent mobile app
- German bank with EU guarantee
- Easy account opening
- Round-up savings features
What to consider
- Low free tier rate (0.30%)
- Best rate (2.00%) requires paid plan
- Trade Republic beats it on rates
- Customer service issues reported
Frequently asked
Is Easy Savings or Instant Savings better for expats in the Netherlands?
Easy Savings comes out ahead for most expats. Interest rate: 2.01% vs 0.30%
Which has the higher interest rate, Easy Savings or Instant Savings?
Easy Savings pays more — 2.01% versus 0.30%.
Are Easy Savings and Instant Savings covered by the Dutch deposit guarantee?
Easy Savings is covered (deposits protected up to €100,000). Instant Savings is covered up to €100,000.