BUUT 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 1.45%
| Figure | ||
|---|---|---|
| Interest rate | 1.45% | 1.57% as a promotion, then 1.72% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Not verified | Not covered |
| Rate check | Not yet verified | Verified 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.
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
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 BUUT 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 1.45%
Which has the higher interest rate, BUUT Savings or Wise Interest?
Wise Interest pays more — 1.57% as a promotion, then 1.72% versus 1.45%.
Are BUUT Savings and Wise Interest covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. 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.