ASN Sparen vs NIBC Direct Spaarrekening
Two savings accounts for expats in the Netherlands, figure by figure.
NIBC Direct Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.44% vs 1.30%
| Figure | ||
|---|---|---|
| Interest rate | 1.30% | 1.44% (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 17 October 2026 | Unconfirmed since 13 August 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.
ASN Sparen
What we like
- Sustainable investment focus
- Climate-positive bank
- Now a major Dutch banking group
- Full €100k guarantee
What to consider
- Low interest rate (~1.30%)
- Dutch-only interface mostly
- Limited product range
- Undergoing organizational changes (2025-2026 rebrand)
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
Questions
Is ASN Sparen or NIBC Direct Spaarrekening better for expats in the Netherlands?
NIBC Direct Spaarrekening comes out ahead for most expats. Interest rate: 1.44% vs 1.30%
Which has the higher interest rate, ASN Sparen or NIBC Direct Spaarrekening?
NIBC Direct Spaarrekening pays more — 1.44% versus 1.30%.
Are ASN Sparen and NIBC Direct Spaarrekening covered by a deposit guarantee?
ASN Sparen: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). ASN Bank, SNS, RegioBank and BLG Wonen are one bank: one €100,000 limit across them. NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).