Head to head · 2026
Garanti BBVA 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 2.55% for 6 mo, then 1.55%
- Maximum deposit: No limit vs €100,000
Garanti BBVA
Garanti 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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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.
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
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 Garanti BBVA Savings or Klarna Savings better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 1.70% vs 2.55% for 6 mo, then 1.55%
Which has the higher interest rate, Garanti BBVA Savings or Klarna Savings?
Klarna Savings pays more — 1.70% versus 2.55% for 6 mo, then 1.55%.
Are Garanti BBVA Savings and Klarna Savings covered by the Dutch deposit guarantee?
Garanti BBVA Savings is covered (deposits protected up to €100,000). Klarna Savings is covered up to €100,000.