Head to head · 2026
Klarna 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 1.70%
Klarna
Klarna Savings
Swedish fintech now offering savings with 1.75% interest. Same app you might use for shopping, now with savings rates.
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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.
Klarna Savings
What we like
- 1.75% interest rate
- Excellent mobile app
- Swedish bank license
- EU deposit guarantee (Sweden)
What to consider
- Primarily known for payments
- Swedish bank (not Dutch)
- Relatively new savings product
- App focused on shopping 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 Klarna 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 1.70%
Which has the higher interest rate, Klarna Savings or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.00% versus 1.70%.
Are Klarna Savings and Scalable Capital Cash covered by the Dutch deposit guarantee?
Klarna Savings is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.