Head to head · 2026
Rabo Spaargeld 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 1.40%
Rabobank
Rabo 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.
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.
Affiliate link — we may earn a commission. Details
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
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 Rabo Spaargeld or Wise Interest better for expats in the Netherlands?
Wise Interest comes out ahead for most expats. Interest rate: 1.72% vs 1.40%
Which has the higher interest rate, Rabo Spaargeld or Wise Interest?
Wise Interest pays more — 1.72% versus 1.40%.
Are Rabo Spaargeld and Wise Interest covered by the Dutch deposit guarantee?
Rabo Spaargeld is covered (deposits protected up to €100,000). Wise Interest is not covered.