Head to head · 2026
BUUT 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
BUUT Savings is the stronger pick for most expats.
- Interest rate: 1.45% vs 1.44%
BUUT (ABN AMRO)
Our pickBUUT 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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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.
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
Frequently asked
Is BUUT Savings or NIBC Direct Spaarrekening better for expats in the Netherlands?
BUUT Savings comes out ahead for most expats. Interest rate: 1.45% vs 1.44%
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 the Dutch deposit guarantee?
BUUT Savings is covered (deposits protected up to €100,000). NIBC Direct Spaarrekening is covered up to €100,000.