Head to head · 2026
Instant Savings 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 0.30%
N26
Instant Savings
German neobank with 0.30% on free plan, up to 2.00% on paid plans. Good app but free tier rate is disappointing compared to competitors.
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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.
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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.
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
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 Instant Savings or Savings Vault better for expats in the Netherlands?
Savings Vault comes out ahead for most expats. Interest rate: 1.74% vs 0.30%
Which has the higher interest rate, Instant Savings or Savings Vault?
Savings Vault pays more — 1.74% versus 0.30%.
Are Instant Savings and Savings Vault covered by the Dutch deposit guarantee?
Instant Savings is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.