Klarna Savings vs NIBC Direct Spaarrekening
Two savings accounts for expats in the Netherlands, figure by figure.
Klarna Savings is the stronger pick for most expats.
- Interest rate: 2.20% (up to 2.70% with Klarna Max) vs 1.44%
| Figure | ||
|---|---|---|
| Interest rate | 2.20% (up to 2.70% with Klarna Max) (better) | 1.44% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Up to Covered (SE scheme) | Up to €100,000 (NL scheme) |
| Rate check | Verified 29 October 2026 | Unconfirmed since 13 August 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
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
Questions
Is Klarna Savings or NIBC Direct Spaarrekening better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 2.20% (up to 2.70% with Klarna Max) vs 1.44%
Which has the higher interest rate, Klarna Savings or NIBC Direct Spaarrekening?
Klarna Savings pays more — 2.20% (up to 2.70% with Klarna Max) versus 1.44%.
Are Klarna Savings and NIBC Direct Spaarrekening covered by a deposit guarantee?
Klarna Savings: Covered, under the Swedish deposit guarantee scheme (Riksgälden). Up to SEK 1,150,000 (about €100,000) per person. NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).