Head to head · 2026
Instant Savings vs Rabo Spaargeld
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
Rabo Spaargeld is the stronger pick for most expats.
- Interest rate: 1.40% vs 0.30%
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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Rabobank
Our pickRabo Spaargeld
One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.
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.
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
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
Frequently asked
Is Instant Savings or Rabo Spaargeld better for expats in the Netherlands?
Rabo Spaargeld comes out ahead for most expats. Interest rate: 1.40% vs 0.30%
Which has the higher interest rate, Instant Savings or Rabo Spaargeld?
Rabo Spaargeld pays more — 1.40% versus 0.30%.
Are Instant Savings and Rabo Spaargeld covered by the Dutch deposit guarantee?
Instant Savings is covered (deposits protected up to €100,000). Rabo Spaargeld is covered up to €100,000.