N26 Instant Savings vs Revolut Savings Vault
Two savings accounts for expats in the Netherlands, figure by figure.
Revolut Savings Vault is the stronger pick for most expats.
- Interest rate: 1.25% (up to 2.50% with Revolut Ultra) vs 0.30% (up to 1.50% with N26 Metal)
| Figure | ||
|---|---|---|
| Interest rate | 0.30% (up to 1.50% with N26 Metal) | 1.25% (up to 2.50% with Revolut Ultra) (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €100,000 |
| Deposit guarantee | Up to €100,000 (DE scheme) | Up to €100,000 (LT/DE scheme) |
| Rate check | Verified 29 October 2026 | Verified 29 October 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
N26 Instant Savings
What we like
- Excellent mobile app
- German bank with EU guarantee
- Easy account opening
- Round-up savings features
What to consider
- Low free tier rate (0.30%)
- Best rate (2.00%) requires paid plan
- Trade Republic beats it on rates
- Customer service issues reported
Revolut 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
Questions
Is N26 Instant Savings or Revolut Savings Vault better for expats in the Netherlands?
Revolut Savings Vault comes out ahead for most expats. Interest rate: 1.25% (up to 2.50% with Revolut Ultra) vs 0.30% (up to 1.50% with N26 Metal)
Which has the higher interest rate, N26 Instant Savings or Revolut Savings Vault?
Revolut Savings Vault pays more — 1.25% (up to 2.50% with Revolut Ultra) versus 0.30% (up to 1.50% with N26 Metal).
Are N26 Instant Savings and Revolut Savings Vault covered by a deposit guarantee?
N26 Instant Savings: Up to €100,000 per person per bank, under the German deposit guarantee scheme (EdB). Revolut Savings Vault: Up to €100,000 per person per bank, under the Lithuanian deposit guarantee scheme, or the German one when the money is held at Deutsche Bank as trust bank.