Head to head · 2026
Savings Vault vs Cash Interest
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
Cash Interest is the stronger pick for most expats.
- Interest rate: 2.00% vs 1.74%
- Maximum deposit: No limit vs €100,000
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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Trade Republic
Our pickCash Interest
German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
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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
Cash Interest
What we like
- 2.00% interest (matches ECB rate)
- No account fees
- Dutch IBAN available
- Monthly interest payments
What to consider
- Primarily an investment platform
- German bank (not Dutch)
- Rate follows ECB (will drop when ECB cuts)
- Less established than traditional banks
Frequently asked
Is Savings Vault or Cash Interest better for expats in the Netherlands?
Cash Interest comes out ahead for most expats. Interest rate: 2.00% vs 1.74%
Which has the higher interest rate, Savings Vault or Cash Interest?
Cash Interest pays more — 2.00% versus 1.74%.
Are Savings Vault and Cash Interest covered by the Dutch deposit guarantee?
Savings Vault is covered (deposits protected up to €100,000). Cash Interest is covered up to €100,000.