bunq Easy Savings vs Wise Interest
Two savings accounts for expats in the Netherlands, figure by figure.
Wise Interest is the stronger pick for most expats.
- Interest rate: 1.57% as a promotion, then 1.72% vs 1.61%, or 3.01% as a bonus for new savers
- Maximum deposit: No limit vs €100,000
| Figure | ||
|---|---|---|
| Interest rate | 1.61%, or 3.01% as a bonus for new savers | 1.57% as a promotion, then 1.72% (better) |
| 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) (better) | Not covered |
| Rate check | Unverified since 16 October 2026 | Unverified since 5 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
Wise Interest
What we like
- Interest paid monthly
- No lock-up period
- Excellent for multi-currency
- Instant access to funds
What to consider
- Not a bank deposit (money market fund)
- Not covered by €100k deposit guarantee
- Rate is variable and net of 0.26% fund fee
- Estonian investor protection only (€20k)
Questions
Is bunq Easy Savings or Wise Interest better for expats in the Netherlands?
Wise Interest comes out ahead for most expats. Interest rate: 1.57% as a promotion, then 1.72% vs 1.61%, or 3.01% as a bonus for new savers
Which has the higher interest rate, bunq Easy Savings or Wise Interest?
Wise Interest pays more — 1.57% as a promotion, then 1.72% versus 1.61%, or 3.01% as a bonus for new savers.
Are bunq Easy Savings and Wise Interest 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). Wise Interest: Not covered by a deposit guarantee scheme. A money market fund, not a bank deposit. Wise Assets Europe AS is covered by the Estonian investor protection fund up to €20,000 if Wise fails; that doesn't cover losses in the fund.