Head to head · 2026
Easy Savings vs Welcome 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 3.00% for 3 mo, then 1.90%
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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Openbank
Welcome Savings
Best promotional rate in the Netherlands: 3.00% for 3 months on up to €1 million. After promo, standard rate of 1.90% which is still competitive.
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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
Welcome Savings
What we like
- 3.00% welcome rate for 3 months
- No minimum deposit
- Up to €1 million covered
- EU deposit guarantee (Spain)
What to consider
- Rate drops to 1.90% after promo
- Spanish bank (Santander subsidiary)
- Customer service can be slow
- App not as polished as Dutch banks
Frequently asked
Is Easy Savings or Welcome Savings better for expats in the Netherlands?
Easy Savings comes out ahead for most expats. Interest rate: 2.01% vs 3.00% for 3 mo, then 1.90%
Which has the higher interest rate, Easy Savings or Welcome Savings?
Easy Savings pays more — 2.01% versus 3.00% for 3 mo, then 1.90%.
Are Easy Savings and Welcome Savings covered by the Dutch deposit guarantee?
Easy Savings is covered (deposits protected up to €100,000). Welcome Savings is covered up to €100,000.