ABN AMRO Savings vs Rabo Spaargeld
Two savings accounts for expats in the Netherlands, figure by figure.
Rabo Spaargeld is the stronger pick for most expats.
- Interest rate: 1.60% vs 1.25%
| Figure | ||
|---|---|---|
| Interest rate | 1.25% | 1.60% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Up to €100,000 (NL scheme) | Up to €100,000 (NL scheme) |
| Rate check | Verified 29 October 2026 | Verified 29 October 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
ABN AMRO Savings
What we like
- Major Dutch bank
- Excellent English support
- Integrated with current account
- Full €100k guarantee
What to consider
- Lower interest rate than fintechs
- Requires ABN AMRO account
- Traditional banking experience
- Better rates elsewhere
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
Questions
Is ABN AMRO Savings or Rabo Spaargeld better for expats in the Netherlands?
Rabo Spaargeld comes out ahead for most expats. Interest rate: 1.60% vs 1.25%
Which has the higher interest rate, ABN AMRO Savings or Rabo Spaargeld?
Rabo Spaargeld pays more — 1.60% versus 1.25%.
Are ABN AMRO Savings and Rabo Spaargeld covered by a deposit guarantee?
ABN AMRO Savings: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). One €100,000 limit across ABN AMRO's brands, including MeesPierson, Moneyou and BUUT. Rabo Spaargeld: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).