Ayvens Bank Spaarrekening vs Klarna Savings
Two savings accounts for expats in the Netherlands, figure by figure.
Klarna Savings is the stronger pick for most expats.
- Interest rate: 2.20% (up to 2.70% with Klarna Max) vs 1.85%
| Figure | ||
|---|---|---|
| Interest rate | 1.85% | 2.20% (up to 2.70% with Klarna Max) (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 Covered (SE 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.
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
Klarna Savings
What we like
- 1.75% interest rate
- Excellent mobile app
- Swedish bank license
- EU deposit guarantee (Sweden)
What to consider
- Primarily known for payments
- Swedish bank (not Dutch)
- Relatively new savings product
- App focused on shopping features
Questions
Is Ayvens Bank Spaarrekening or Klarna Savings better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 2.20% (up to 2.70% with Klarna Max) vs 1.85%
Which has the higher interest rate, Ayvens Bank Spaarrekening or Klarna Savings?
Klarna Savings pays more — 2.20% (up to 2.70% with Klarna Max) versus 1.85%.
Are Ayvens Bank Spaarrekening and Klarna 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). Klarna Savings: Covered, under the Swedish deposit guarantee scheme (Riksgälden). Up to SEK 1,150,000 (about €100,000) per person.