Head to head · 2026
Spaarrekening vs Cash Interest
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
Cash Interest 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.
Trade Republic
Our pickCash Interest
German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
Affiliate link — we may earn a commission. Details
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
Cash Interest
What we like
- 2.00% interest (matches ECB rate)
- No account fees
- Dutch IBAN available
- Monthly interest payments
What to consider
- Primarily an investment platform
- German bank (not Dutch)
- Rate follows ECB (will drop when ECB cuts)
- Less established than traditional banks
Frequently asked
Is Spaarrekening or Cash Interest better for expats in the Netherlands?
Cash Interest comes out ahead for most expats. Interest rate: 2.00% vs 1.85%
Which has the higher interest rate, Spaarrekening or Cash Interest?
Cash Interest pays more — 2.00% versus 1.85%.
Are Spaarrekening and Cash Interest covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). Cash Interest is covered up to €100,000.