BUUT Savings vs Oranje Spaarrekening
Two savings accounts for expats in the Netherlands, figure by figure.
BUUT Savings is the stronger pick for most expats.
- Interest rate: 1.45% vs 1.25% (up to 2.25% with ING Max)
| Figure | ||
|---|---|---|
| Interest rate | 1.45% (better) | 1.25% (up to 2.25% with ING Max) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Not verified | Up to €100,000 (NL scheme) (better) |
| 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
Oranje Spaarrekening
What we like
- Largest Dutch bank
- Seamless app integration
- Instant transfers to current account
- Reliable and stable
What to consider
- Low interest rate (1.25%)
- Requires ING current account
- Much better rates elsewhere
- Rate varies by balance tier
Questions
Is BUUT Savings or Oranje Spaarrekening better for expats in the Netherlands?
BUUT Savings comes out ahead for most expats. Interest rate: 1.45% vs 1.25% (up to 2.25% with ING Max)
Which has the higher interest rate, BUUT Savings or Oranje Spaarrekening?
BUUT Savings pays more — 1.45% versus 1.25% (up to 2.25% with ING Max).
Are BUUT Savings and Oranje Spaarrekening covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. Oranje Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).