Head to head · 2026
Garanti BBVA Savings vs Internet Sparen
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 1.15%
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.
Affiliate link — we may earn a commission. Details
Triodos Bank
Internet Sparen
Sustainable bank investing only in ethical projects. Lower rate (1.15%) is the trade-off for knowing your money funds positive impact.
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
Internet Sparen
What we like
- 100% sustainable investments
- Transparent about where money goes
- B Corp certified bank
- Full €100k guarantee
What to consider
- Low interest rate (1.15%)
- Limited English support
- Smaller bank network
- Higher ethical standards = lower returns
Frequently asked
Is Garanti BBVA Savings or Internet Sparen 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 1.15%
Which has the higher interest rate, Garanti BBVA Savings or Internet Sparen?
Garanti BBVA Savings pays more — 2.55% for 6 mo, then 1.55% versus 1.15%.
Are Garanti BBVA Savings and Internet Sparen covered by the Dutch deposit guarantee?
Garanti BBVA Savings is covered (deposits protected up to €100,000). Internet Sparen is covered up to €100,000.