Head to head · 2026
Rabo Spaargeld vs Internet Sparen
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 1.15%
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.
Triodos Bank
Internet Sparen
Sustainable bank investing only in ethical projects. Lower rate (1.15%) is the trade-off for knowing your money funds positive impact.
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.
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
Internet Sparen
What we like
- 100% sustainable investments
- Transparent about where money goes
- B Corp certified bank
- Full €100k guarantee
What to consider
- Low interest rate (1.15%)
- Limited English support
- Smaller bank network
- Higher ethical standards = lower returns
Frequently asked
Is Rabo Spaargeld or Internet Sparen better for expats in the Netherlands?
Rabo Spaargeld comes out ahead for most expats. Interest rate: 1.40% vs 1.15%
Which has the higher interest rate, Rabo Spaargeld or Internet Sparen?
Rabo Spaargeld pays more — 1.40% versus 1.15%.
Are Rabo Spaargeld and Internet Sparen covered by the Dutch deposit guarantee?
Rabo Spaargeld is covered (deposits protected up to €100,000). Internet Sparen is covered up to €100,000.