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Head to head · 2026

Flexibel Sparen (via Raisin) 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

Flexibel Sparen (via Raisin) is the stronger pick for most expats.

  • Interest rate: 2.85% for 3 mo, then 2.10% vs 2.00%
  • Maximum deposit: €250,000 vs €50,000

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Our pick

Flexibel Sparen (via Raisin)

Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.

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Scalable Capital

Scalable 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

Feature
Flexibel Sparen (via Raisin)
Scalable Capital Cash
Interest rate
2.85% for 3 mo, then 2.10%
2.00%
Minimum deposit
None
None
Access to your money
Instant
Instant
Maximum deposit
€250,000
€50,000
Deposit guarantee
Up to €100,000
Up to €100,000

Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.

Flexibel Sparen (via Raisin)

What we like

  • 2.10% standard rate (no promo gimmicks)
  • Flexible withdrawals
  • EU deposit guarantee (Estonia)
  • Access via Raisin platform

What to consider

  • Need Raisin account to access
  • Estonian bank (foreign)
  • Separate platform to manage
  • Rate can change

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 Flexibel Sparen (via Raisin) or Scalable Capital Cash better for expats in the Netherlands?

Flexibel Sparen (via Raisin) comes out ahead for most expats. Interest rate: 2.85% for 3 mo, then 2.10% vs 2.00%

Which has the higher interest rate, Flexibel Sparen (via Raisin) or Scalable Capital Cash?

Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 2.00%.

Are Flexibel Sparen (via Raisin) and Scalable Capital Cash covered by the Dutch deposit guarantee?

Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.

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