Head to head · 2026
Savings Vault 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 1.74%
Revolut
Savings 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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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.
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
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 Savings Vault or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.00% vs 1.74%
Which has the higher interest rate, Savings Vault or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.00% versus 1.74%.
Are Savings Vault and Scalable Capital Cash covered by the Dutch deposit guarantee?
Savings Vault is covered (deposits protected up to €100,000). Scalable Capital Cash is covered up to €100,000.