bunq Easy Savings vs N26 Instant Savings
Two savings accounts for expats in the Netherlands, figure by figure.
bunq Easy Savings is the stronger pick for most expats.
- Interest rate: 1.61%, or 3.01% as a bonus for new savers vs 0.30% (up to 1.50% with N26 Metal)
| Figure | ||
|---|---|---|
| Interest rate | 1.61%, or 3.01% as a bonus for new savers (better) | 0.30% (up to 1.50% with N26 Metal) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 | No limit (better) |
| Deposit guarantee | Up to €100,000 (NL scheme) | Up to €100,000 (DE scheme) |
| Rate check | Unverified since 16 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.
bunq Easy Savings
What we like
- Up to 2.01% bonus interest above threshold
- Weekly interest payments
- Excellent mobile app
- Dutch bank with €100k guarantee
What to consider
- Requires bunq subscription (€2.99+/mo)
- Max 2 withdrawals/month
- Subscription cost eats into returns
N26 Instant Savings
What we like
- Excellent mobile app
- German bank with EU guarantee
- Easy account opening
- Round-up savings features
What to consider
- Low free tier rate (0.30%)
- Best rate (2.00%) requires paid plan
- Trade Republic beats it on rates
- Customer service issues reported
Questions
Is bunq Easy Savings or N26 Instant Savings better for expats in the Netherlands?
bunq Easy Savings comes out ahead for most expats. Interest rate: 1.61%, or 3.01% as a bonus for new savers vs 0.30% (up to 1.50% with N26 Metal)
Which has the higher interest rate, bunq Easy Savings or N26 Instant Savings?
bunq Easy Savings pays more — 1.61%, or 3.01% as a bonus for new savers versus 0.30% (up to 1.50% with N26 Metal).
Are bunq Easy Savings and N26 Instant Savings covered by a deposit guarantee?
bunq Easy Savings: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). N26 Instant Savings: Up to €100,000 per person per bank, under the German deposit guarantee scheme (EdB).