BUUT 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 1.45%
- Deposit guarantee: Up to €100,000 (EU scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.45% | 3.00% as a promotion, then 2.00% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit | No limit |
| Deposit guarantee | Not verified | Up to €100,000 (EU scheme) (better) |
| Rate check | Not yet verified | Verified 17 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.
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
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 BUUT 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 1.45%
Which has the higher interest rate, BUUT Savings or Trade Republic Cash Interest?
Trade Republic Cash Interest pays more — 3.00% as a promotion, then 2.00% versus 1.45%.
Are BUUT Savings and Trade Republic Cash Interest covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. 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.