Head to head · 2026
Garanti BBVA Savings vs Wise Interest
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
Wise Interest is the stronger pick for most expats.
- Interest rate: 1.72% 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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Wise
Our pickWise Interest
Earn interest on EUR balance through BlackRock money market fund. Variable rate (~1.57% avg net of 0.26% fee). Best if you already use Wise for international transfers. Not a guaranteed deposit rate.
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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
Wise Interest
What we like
- Interest paid monthly
- No lock-up period
- Excellent for multi-currency
- Instant access to funds
What to consider
- Not a bank deposit (money market fund)
- Not covered by €100k deposit guarantee
- Rate is variable and net of 0.26% fund fee
- Estonian investor protection only (€20k)
Frequently asked
Is Garanti BBVA Savings or Wise Interest better for expats in the Netherlands?
Wise Interest comes out ahead for most expats. Interest rate: 1.72% vs 2.55% for 6 mo, then 1.55%
Which has the higher interest rate, Garanti BBVA Savings or Wise Interest?
Wise Interest pays more — 1.72% versus 2.55% for 6 mo, then 1.55%.
Are Garanti BBVA Savings and Wise Interest covered by the Dutch deposit guarantee?
Garanti BBVA Savings is covered (deposits protected up to €100,000). Wise Interest is not covered.