BUUT Savings vs Garanti BBVA Savings
Two savings accounts for expats in the Netherlands, figure by figure.
Garanti BBVA Savings is the stronger pick for most expats.
- Interest rate: 2.55% as a promotion for 6 months, then 1.55% vs 1.45%
| Figure | ||
|---|---|---|
| Interest rate | 1.45% | 2.55% as a promotion for 6 months, then 1.55% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €100,000 |
| Deposit guarantee | Not verified | Not verified |
| Rate check | Not yet verified | 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.
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
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 BUUT Savings or Garanti BBVA Savings better for expats in the Netherlands?
Garanti BBVA Savings comes out ahead for most expats. Interest rate: 2.55% as a promotion for 6 months, then 1.55% vs 1.45%
Which has the higher interest rate, BUUT Savings or Garanti BBVA Savings?
Garanti BBVA Savings pays more — 2.55% as a promotion for 6 months, then 1.55% versus 1.45%.
Are BUUT Savings and Garanti BBVA Savings covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. Garanti BBVA Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit.