NIBC Direct Spaarrekening vs Triodos Bank Internet Sparen
Two savings accounts for expats in the Netherlands, figure by figure.
NIBC Direct Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.44% vs 1.15%
| Figure | ||
|---|---|---|
| Interest rate | 1.44% (better) | 1.15% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Up to €100,000 (NL scheme) | Up to €100,000 (NL scheme) |
| Rate check | Unconfirmed since 13 August 2026 | 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.
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
Triodos Bank Internet Sparen
What we like
- 100% sustainable investments
- Transparent about where money goes
- B Corp certified bank
- Full €100k guarantee
What to consider
- Low interest rate (1.15%)
- Limited English support
- Smaller bank network
- Higher ethical standards = lower returns
Questions
Is NIBC Direct Spaarrekening or Triodos Bank Internet Sparen better for expats in the Netherlands?
NIBC Direct Spaarrekening comes out ahead for most expats. Interest rate: 1.44% vs 1.15%
Which has the higher interest rate, NIBC Direct Spaarrekening or Triodos Bank Internet Sparen?
NIBC Direct Spaarrekening pays more — 1.44% versus 1.15%.
Are NIBC Direct Spaarrekening and Triodos Bank Internet Sparen covered by a deposit guarantee?
NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). Triodos Bank Internet Sparen: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).