Head to head · 2026
Internet Sparen 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 1.15%
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.
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.
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
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 Internet Sparen or Wise Interest better for expats in the Netherlands?
Wise Interest comes out ahead for most expats. Interest rate: 1.72% vs 1.15%
Which has the higher interest rate, Internet Sparen or Wise Interest?
Wise Interest pays more — 1.72% versus 1.15%.
Are Internet Sparen and Wise Interest covered by the Dutch deposit guarantee?
Internet Sparen is covered (deposits protected up to €100,000). Wise Interest is not covered.