BUUT Savings vs Rabo Spaargeld
Two savings accounts for expats in the Netherlands, figure by figure.
Rabo Spaargeld is the stronger pick for most expats.
- Interest rate: 1.60% vs 1.45%
- Deposit guarantee: Up to €100,000 (NL scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.45% | 1.60% (better) |
| 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 | Verified 18 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
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
Questions
Is BUUT Savings or Rabo Spaargeld better for expats in the Netherlands?
Rabo Spaargeld comes out ahead for most expats. Interest rate: 1.60% vs 1.45%
Which has the higher interest rate, BUUT Savings or Rabo Spaargeld?
Rabo Spaargeld pays more — 1.60% versus 1.45%.
Are BUUT Savings and Rabo Spaargeld covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. Rabo Spaargeld: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).