Head to head · 2026
Spaarrekening 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 1.85%
Ayvens Bank
Spaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
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.
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
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 Spaarrekening or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.00% vs 1.85%
Which has the higher interest rate, Spaarrekening or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.00% versus 1.85%.
Are Spaarrekening and Scalable Capital Cash covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.