Head to head · 2026
BUUT Savings vs Rabo Spaargeld
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 1.40%
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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Rabobank
Rabo Spaargeld
One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.
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
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
Frequently asked
Is BUUT Savings or Rabo Spaargeld better for expats in the Netherlands?
BUUT Savings comes out ahead for most expats. Interest rate: 1.45% vs 1.40%
Which has the higher interest rate, BUUT Savings or Rabo Spaargeld?
BUUT Savings pays more — 1.45% versus 1.40%.
Are BUUT Savings and Rabo Spaargeld covered by the Dutch deposit guarantee?
BUUT Savings is covered (deposits protected up to €100,000). Rabo Spaargeld is covered up to €100,000.