BUUT Savings vs NIBC Direct Spaarrekening
Two savings accounts for expats in the Netherlands, figure by figure.
NIBC Direct Spaarrekening is the stronger pick for most expats.
- Deposit guarantee: Up to €100,000 (NL scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.45% (better) | 1.44% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Not verified | Up to €100,000 (NL scheme) (better) |
| Rate check | Not yet verified | Unconfirmed since 13 August 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
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
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
Questions
Is BUUT Savings or NIBC Direct Spaarrekening better for expats in the Netherlands?
NIBC Direct Spaarrekening comes out ahead for most expats. Deposit guarantee: Up to €100,000 (NL scheme) vs Not verified
Which has the higher interest rate, BUUT Savings or NIBC Direct Spaarrekening?
BUUT Savings pays more — 1.45% versus 1.44%.
Are BUUT Savings and NIBC Direct Spaarrekening covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).