Head to head · 2026
Easy 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
Easy Savings is the stronger pick for most expats.
- Interest rate: 2.01% vs 2.00%
- Maximum deposit: €100,000 vs €50,000
bunq
Our pickEasy Savings
Dutch bank with tiered interest: 1.51% base rate, 2.01% bonus on savings above your threshold. Weekly payouts, excellent app, max 2 withdrawals/month.
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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
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
Easy Savings
What we like
- Up to 2.01% bonus interest above threshold
- Weekly interest payments
- Excellent mobile app
- Dutch bank with €100k guarantee
What to consider
- Requires bunq subscription (€2.99+/mo)
- Max 2 withdrawals/month
- Base rate only 1.51% (below threshold)
- Subscription cost eats into returns
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 Easy Savings or Scalable Capital Cash better for expats in the Netherlands?
Easy Savings comes out ahead for most expats. Interest rate: 2.01% vs 2.00%
Which has the higher interest rate, Easy Savings or Scalable Capital Cash?
Easy Savings pays more — 2.01% versus 2.00%.
Are Easy Savings and Scalable Capital Cash covered by the Dutch deposit guarantee?
Easy Savings is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.