Head to head · 2026
ABN AMRO Savings vs Scalable Capital Cash
How these two savings accounts stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
Scalable Capital Cash is the stronger pick for most expats.
- Interest rate: 2.00% vs 1.45%
ABN AMRO
ABN AMRO Savings
Major Dutch bank with excellent English support. Rate is up to 1.45% on Direct Sparen. You get reliability and easy integration if you bank with ABN.
Scalable Capital
Our pickScalable Capital Cash
Investment platform offering 2.00% on cash balances up to €50,000. German-regulated with EU deposit guarantee. Also offers ETF and stock investing.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
ABN AMRO Savings
What we like
- Major Dutch bank
- Excellent English support
- Integrated with current account
- Full €100k guarantee
What to consider
- Lower interest rate than fintechs
- Requires ABN AMRO account
- Traditional banking experience
- Better rates elsewhere
Scalable Capital Cash
What we like
- 2.00% on cash balances
- German-regulated platform
- EU deposit guarantee
- Also offers ETF and stock investing
What to consider
- Maximum €50,000 for interest
- Primarily an investment platform
- German bank (not Dutch)
- Rate may follow ECB changes
Frequently asked
Is ABN AMRO Savings or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.00% vs 1.45%
Which has the higher interest rate, ABN AMRO Savings or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.00% versus 1.45%.
Are ABN AMRO Savings and Scalable Capital Cash covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.