bunq Easy Savings vs Trade Republic Cash Interest
Two savings accounts for expats in the Netherlands, figure by figure.
Trade Republic Cash Interest is the stronger pick for most expats.
- Interest rate: 3.00% as a promotion, then 2.00% vs 1.61%, or 3.01% as a bonus for new savers
- Maximum deposit: No limit vs €100,000
| Figure | ||
|---|---|---|
| Interest rate | 1.61%, or 3.01% as a bonus for new savers | 3.00% as a promotion, then 2.00% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 | No limit (better) |
| Deposit guarantee | Up to €100,000 (NL scheme) | Up to €100,000 (EU scheme) |
| Rate check | Unverified since 16 October 2026 | Verified 29 October 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
bunq Easy Savings
What we like
- Up to 2.01% bonus interest above threshold
- Weekly interest payments
- Excellent mobile app
- Dutch bank with €100k guarantee
What to consider
- Requires bunq subscription (€2.99+/mo)
- Max 2 withdrawals/month
- Subscription cost eats into returns
Trade Republic 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
Questions
Is bunq Easy Savings or Trade Republic Cash Interest better for expats in the Netherlands?
Trade Republic Cash Interest comes out ahead for most expats. Interest rate: 3.00% as a promotion, then 2.00% vs 1.61%, or 3.01% as a bonus for new savers
Which has the higher interest rate, bunq Easy Savings or Trade Republic Cash Interest?
Trade Republic Cash Interest pays more — 3.00% as a promotion, then 2.00% versus 1.61%, or 3.01% as a bonus for new savers.
Are bunq Easy Savings and Trade Republic Cash Interest covered by a deposit guarantee?
bunq Easy Savings: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). Trade Republic Cash Interest: Up to €100,000 per person per bank, under the deposit guarantee scheme of the partner bank holding your cash. Cash sits in trust accounts at partner banks in Germany, France, Ireland, Sweden and elsewhere, each covered by its own country's scheme.