Head to head · 2026
Scalable Capital Cash 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
It's very close between Scalable Capital Cash and Cash Interest.
Scalable Capital
Scalable 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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Trade Republic
Cash Interest
German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
Affiliate link — we may earn a commission. Details
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.
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
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 Scalable Capital Cash or Cash Interest better for expats in the Netherlands?
Scalable Capital Cash and Cash Interest are closely matched. Scalable Capital Cash offers 2.00% and Cash Interest offers 2.00%; the right pick depends on whether you prioritise rate, flexibility, or the deposit guarantee.
Which has the higher interest rate, Scalable Capital Cash or Cash Interest?
Both currently pay the same rate: 2.00%.
Are Scalable Capital Cash and Cash Interest covered by the Dutch deposit guarantee?
Scalable Capital Cash is covered (deposits protected up to €100,000). Cash Interest is covered up to €100,000.