Head to head · 2026
Oranje Spaarrekening 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 1.25%
ING
Oranje Spaarrekening
ING savings account integrated with your payment account. Convenient but rate is low at 1.25%. Best for convenience, not returns.
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.
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
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 Oranje Spaarrekening or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.00% vs 1.25%
Which has the higher interest rate, Oranje Spaarrekening or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.00% versus 1.25%.
Are Oranje Spaarrekening and Scalable Capital Cash covered by the Dutch deposit guarantee?
Oranje Spaarrekening is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.