Garanti BBVA Savings vs NIBC Direct Spaarrekening
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 1.44%
| Figure | ||
|---|---|---|
| Interest rate | 2.55% as a promotion for 6 months, then 1.55% (better) | 1.44% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 | No limit (better) |
| Deposit guarantee | Not verified | Up to €100,000 (NL scheme) (better) |
| Rate check | Not yet verified | Unconfirmed since 13 August 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.
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
NIBC Direct Spaarrekening
What we like
- 1.45% standard rate
- Dutch bank with DNB supervision
- No minimum deposit
- Full €100k guarantee
What to consider
- Online-only (no branches)
- Less known brand
- Basic online interface
- No mobile app
Questions
Is Garanti BBVA Savings or NIBC Direct Spaarrekening 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 1.44%
Which has the higher interest rate, Garanti BBVA Savings or NIBC Direct Spaarrekening?
Garanti BBVA Savings pays more — 2.55% as a promotion for 6 months, then 1.55% versus 1.44%.
Are Garanti BBVA Savings and NIBC Direct Spaarrekening covered by a deposit guarantee?
Garanti BBVA Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).