Head to head · 2026
Easy Savings vs NIBC Direct Spaarrekening
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 1.44%
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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NIBC Direct
NIBC Direct Spaarrekening
Dutch bank offering 1.45% with no strings attached. Simple online-only savings. Often overlooked but solid choice for rate-seekers.
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
NIBC Direct Spaarrekening
What we like
- 1.45% standard rate
- Dutch bank with DNB supervision
- No minimum deposit
- Full €100k guarantee
What to consider
- Online-only (no branches)
- Less known brand
- Basic online interface
- No mobile app
Frequently asked
Is Easy Savings or NIBC Direct Spaarrekening better for expats in the Netherlands?
Easy Savings comes out ahead for most expats. Interest rate: 2.01% vs 1.44%
Which has the higher interest rate, Easy Savings or NIBC Direct Spaarrekening?
Easy Savings pays more — 2.01% versus 1.44%.
Are Easy Savings and NIBC Direct Spaarrekening covered by the Dutch deposit guarantee?
Easy Savings is covered (deposits protected up to €100,000). NIBC Direct Spaarrekening is covered up to €100,000.