Head to head · 2026
BUUT Savings vs Klarna 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
Klarna Savings is the stronger pick for most expats.
- Interest rate: 1.70% 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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Klarna
Our pickKlarna Savings
Swedish fintech now offering savings with 1.75% interest. Same app you might use for shopping, now with savings rates.
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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
Klarna Savings
What we like
- 1.75% interest rate
- Excellent mobile app
- Swedish bank license
- EU deposit guarantee (Sweden)
What to consider
- Primarily known for payments
- Swedish bank (not Dutch)
- Relatively new savings product
- App focused on shopping features
Frequently asked
Is BUUT Savings or Klarna Savings better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 1.70% vs 1.45%
Which has the higher interest rate, BUUT Savings or Klarna Savings?
Klarna Savings pays more — 1.70% versus 1.45%.
Are BUUT Savings and Klarna Savings covered by the Dutch deposit guarantee?
BUUT Savings is covered (deposits protected up to €100,000). Klarna Savings is covered up to €100,000.