Head to head · 2026
NIBC Direct Spaarrekening 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 1.44%
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.
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.
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
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 NIBC Direct Spaarrekening or Wise Interest better for expats in the Netherlands?
Wise Interest comes out ahead for most expats. Interest rate: 1.72% vs 1.44%
Which has the higher interest rate, NIBC Direct Spaarrekening or Wise Interest?
Wise Interest pays more — 1.72% versus 1.44%.
Are NIBC Direct Spaarrekening and Wise Interest covered by the Dutch deposit guarantee?
NIBC Direct Spaarrekening is covered (deposits protected up to €100,000). Wise Interest is not covered.