Head to head · 2026
Spaarrekening vs Savings Vault
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
Spaarrekening is the stronger pick for most expats.
- Interest rate: 1.85% vs 1.74%
- Maximum deposit: No limit vs €100,000
Ayvens Bank
Our pickSpaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
Revolut
Savings Vault
Up to 2.59% on Ultra plan, 1.74% on Standard plan. Daily interest payments. Great if you already use Revolut for travel.
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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.
Spaarrekening
What we like
- Dutch bank with DNB supervision
- Full €100k deposit guarantee
- No account fees
- Straightforward savings
What to consider
- Rate not the highest (1.85%)
- Basic online interface
- Less known brand (rebranded)
- No mobile app highlights
Savings Vault
What we like
- Up to 2.59% (Ultra plan)
- Daily interest payments
- Excellent app and UX
- Multiple currency savings
What to consider
- Best rate requires expensive Ultra plan
- Lithuanian banking license
- Can be confusing with multiple vaults
- Rate varies by subscription tier
Frequently asked
Is Spaarrekening or Savings Vault better for expats in the Netherlands?
Spaarrekening comes out ahead for most expats. Interest rate: 1.85% vs 1.74%
Which has the higher interest rate, Spaarrekening or Savings Vault?
Spaarrekening pays more — 1.85% versus 1.74%.
Are Spaarrekening and Savings Vault covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.