Head to head · 2026
Oranje Spaarrekening vs Savings Vault
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
Savings Vault is the stronger pick for most expats.
- Interest rate: 1.74% vs 1.25%
ING
Oranje Spaarrekening
ING savings account integrated with your payment account. Convenient but rate is low at 1.25%. Best for convenience, not returns.
Revolut
Our pickSavings Vault
Up to 2.59% on Ultra plan, 1.74% on Standard plan. Daily interest payments. Great if you already use Revolut for travel.
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.
Oranje Spaarrekening
What we like
- Largest Dutch bank
- Seamless app integration
- Instant transfers to current account
- Reliable and stable
What to consider
- Low interest rate (1.25%)
- Requires ING current account
- Much better rates elsewhere
- Rate varies by balance tier
Savings Vault
What we like
- Up to 2.59% (Ultra plan)
- Daily interest payments
- Excellent app and UX
- Multiple currency savings
What to consider
- Best rate requires expensive Ultra plan
- Lithuanian banking license
- Can be confusing with multiple vaults
- Rate varies by subscription tier
Frequently asked
Is Oranje Spaarrekening or Savings Vault better for expats in the Netherlands?
Savings Vault comes out ahead for most expats. Interest rate: 1.74% vs 1.25%
Which has the higher interest rate, Oranje Spaarrekening or Savings Vault?
Savings Vault pays more — 1.74% versus 1.25%.
Are Oranje Spaarrekening and Savings Vault covered by the Dutch deposit guarantee?
Oranje Spaarrekening is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.