Head to head · 2026
BUUT 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
Garanti BBVA Savings is the stronger pick for most expats.
- Interest rate: 2.55% for 6 mo, then 1.55% vs 1.45%
BUUT (ABN AMRO)
BUUT Savings
New neobank launched by ABN AMRO in 2025, built by the Tikkie team. Dutch IBAN with savings tools and budgeting features. Same rates as ABN AMRO Direct Sparen.
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Garanti BBVA
Our pickGaranti 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.
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
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 BUUT Savings or Garanti BBVA Savings better for expats in the Netherlands?
Garanti BBVA Savings comes out ahead for most expats. Interest rate: 2.55% for 6 mo, then 1.55% vs 1.45%
Which has the higher interest rate, BUUT Savings or Garanti BBVA Savings?
Garanti BBVA Savings pays more — 2.55% for 6 mo, then 1.55% versus 1.45%.
Are BUUT Savings and Garanti BBVA Savings covered by the Dutch deposit guarantee?
BUUT Savings is covered (deposits protected up to €100,000). Garanti BBVA Savings is covered up to €100,000.