Head to head · 2026
Garanti BBVA Savings vs Instant 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
Garanti BBVA Savings is the stronger pick for most expats.
- Interest rate: 2.55% for 6 mo, then 1.55% vs 0.30%
Garanti BBVA
Our pickGaranti 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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N26
Instant Savings
German neobank with 0.30% on free plan, up to 2.00% on paid plans. Good app but free tier rate is disappointing compared to competitors.
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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
Instant Savings
What we like
- Excellent mobile app
- German bank with EU guarantee
- Easy account opening
- Round-up savings features
What to consider
- Low free tier rate (0.30%)
- Best rate (2.00%) requires paid plan
- Trade Republic beats it on rates
- Customer service issues reported
Frequently asked
Is Garanti BBVA Savings or Instant Savings better for expats in the Netherlands?
Garanti BBVA Savings comes out ahead for most expats. Interest rate: 2.55% for 6 mo, then 1.55% vs 0.30%
Which has the higher interest rate, Garanti BBVA Savings or Instant Savings?
Garanti BBVA Savings pays more — 2.55% for 6 mo, then 1.55% versus 0.30%.
Are Garanti BBVA Savings and Instant Savings covered by the Dutch deposit guarantee?
Garanti BBVA Savings is covered (deposits protected up to €100,000). Instant Savings is covered up to €100,000.