Head to head · 2026
Cash Interest vs Internet Sparen
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 1.15%
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.
Affiliate link — we may earn a commission. Details
Triodos Bank
Internet Sparen
Sustainable bank investing only in ethical projects. Lower rate (1.15%) is the trade-off for knowing your money funds positive impact.
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.
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
Internet Sparen
What we like
- 100% sustainable investments
- Transparent about where money goes
- B Corp certified bank
- Full €100k guarantee
What to consider
- Low interest rate (1.15%)
- Limited English support
- Smaller bank network
- Higher ethical standards = lower returns
Frequently asked
Is Cash Interest or Internet Sparen better for expats in the Netherlands?
Cash Interest comes out ahead for most expats. Interest rate: 2.00% vs 1.15%
Which has the higher interest rate, Cash Interest or Internet Sparen?
Cash Interest pays more — 2.00% versus 1.15%.
Are Cash Interest and Internet Sparen covered by the Dutch deposit guarantee?
Cash Interest is covered (deposits protected up to €100,000). Internet Sparen is covered up to €100,000.