Head to head · 2026
BUUT 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
Scalable Capital Cash is the stronger pick for most expats.
- Interest rate: 2.00% vs 1.45%
BUUT (ABN AMRO)
BUUT Savings
New neobank launched by ABN AMRO in 2025, built by the Tikkie team. Dutch IBAN with savings tools and budgeting features. Same rates as ABN AMRO Direct Sparen.
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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.
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
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 BUUT Savings or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.00% vs 1.45%
Which has the higher interest rate, BUUT Savings or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.00% versus 1.45%.
Are BUUT Savings and Scalable Capital Cash covered by the Dutch deposit guarantee?
BUUT Savings is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.