Ayvens Bank Spaarrekening vs Garanti BBVA 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 2.55% as a promotion for 6 months, then 1.55%
- Maximum deposit: No limit vs €100,000
- Deposit guarantee: Up to €100,000 (NL scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.85% (better) | 2.55% as a promotion for 6 months, then 1.55% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €100,000 |
| Deposit guarantee | Up to €100,000 (NL scheme) (better) | Not verified |
| Rate check | Verified 16 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
Garanti BBVA Savings
What we like
- 2.55% promotional rate for 6 months
- Dutch-registered bank with DNB supervision
- Full €100k deposit guarantee
- No lock-up period
What to consider
- Standard rate drops to 1.55% after promo
- Less known brand in Netherlands
- Basic online interface
- Rate may change
Questions
Is Ayvens Bank Spaarrekening or Garanti BBVA Savings better for expats in the Netherlands?
Ayvens Bank Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 2.55% as a promotion for 6 months, then 1.55%
Which has the higher interest rate, Ayvens Bank Spaarrekening or Garanti BBVA Savings?
Ayvens Bank Spaarrekening pays more — 1.85% versus 2.55% as a promotion for 6 months, then 1.55%.
Are Ayvens Bank Spaarrekening and Garanti BBVA 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). Garanti BBVA Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit.