BUUT Savings vs N26 Instant Savings
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 0.30% (up to 1.50% with N26 Metal)
| Figure | ||
|---|---|---|
| Interest rate | 1.45% (better) | 0.30% (up to 1.50% with N26 Metal) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Not verified | Up to €100,000 (DE scheme) (better) |
| Rate check | Not yet verified | Verified 17 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.
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
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 BUUT Savings or N26 Instant Savings better for expats in the Netherlands?
BUUT Savings comes out ahead for most expats. Interest rate: 1.45% vs 0.30% (up to 1.50% with N26 Metal)
Which has the higher interest rate, BUUT Savings or N26 Instant Savings?
BUUT Savings pays more — 1.45% versus 0.30% (up to 1.50% with N26 Metal).
Are BUUT Savings and N26 Instant Savings covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. N26 Instant Savings: Up to €100,000 per person per bank, under the German deposit guarantee scheme (EdB).