Ayvens Bank Spaarrekening vs BUUT Savings
Two savings accounts for expats in the Netherlands, figure by figure.
Ayvens Bank Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.85% vs 1.45%
- Deposit guarantee: Up to €100,000 (NL scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.85% (better) | 1.45% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Up to €100,000 (NL scheme) (better) | Not verified |
| Rate check | Verified 18 October 2026 | Not yet verified |
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.
Ayvens Bank Spaarrekening
What we like
- Dutch bank with DNB supervision
- Full €100k deposit guarantee
- No account fees
- Straightforward savings
What to consider
- Rate not the highest (1.85%)
- Basic online interface
- Less known brand (rebranded)
- No mobile app highlights
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
Questions
Is Ayvens Bank Spaarrekening or BUUT Savings better for expats in the Netherlands?
Ayvens Bank Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 1.45%
Which has the higher interest rate, Ayvens Bank Spaarrekening or BUUT Savings?
Ayvens Bank Spaarrekening pays more — 1.85% versus 1.45%.
Are Ayvens Bank Spaarrekening and BUUT Savings covered by a deposit guarantee?
Ayvens Bank Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit.