Head to head · 2026
Rabo Spaargeld 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 1.40%
Rabobank
Rabo Spaargeld
One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.
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.
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
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 Rabo Spaargeld or Savings Vault better for expats in the Netherlands?
Savings Vault comes out ahead for most expats. Interest rate: 1.74% vs 1.40%
Which has the higher interest rate, Rabo Spaargeld or Savings Vault?
Savings Vault pays more — 1.74% versus 1.40%.
Are Rabo Spaargeld and Savings Vault covered by the Dutch deposit guarantee?
Rabo Spaargeld is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.