Head to head · 2026
Klarna Savings vs NIBC Direct Spaarrekening
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 1.44%
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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NIBC Direct
NIBC Direct Spaarrekening
Dutch bank offering 1.45% with no strings attached. Simple online-only savings. Often overlooked but solid choice for rate-seekers.
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.
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
NIBC Direct Spaarrekening
What we like
- 1.45% standard rate
- Dutch bank with DNB supervision
- No minimum deposit
- Full €100k guarantee
What to consider
- Online-only (no branches)
- Less known brand
- Basic online interface
- No mobile app
Frequently asked
Is Klarna Savings or NIBC Direct Spaarrekening better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 1.70% vs 1.44%
Which has the higher interest rate, Klarna Savings or NIBC Direct Spaarrekening?
Klarna Savings pays more — 1.70% versus 1.44%.
Are Klarna Savings and NIBC Direct Spaarrekening covered by the Dutch deposit guarantee?
Klarna Savings is covered (deposits protected up to €100,000). NIBC Direct Spaarrekening is covered up to €100,000.