Oranje Spaarrekening vs Revolut Savings Vault
Two savings accounts for expats in the Netherlands, figure by figure.
It's very close between Oranje Spaarrekening and Revolut Savings Vault.
| Figure | ||
|---|---|---|
| Interest rate | 1.25% (up to 2.25% with ING Max) | 1.25% (up to 2.50% with Revolut Ultra) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €100,000 |
| Deposit guarantee | Up to €100,000 (NL scheme) | Up to €100,000 (LT/DE scheme) |
| Rate check | Not yet verified | 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.
Oranje Spaarrekening
What we like
- Largest Dutch bank
- Seamless app integration
- Instant transfers to current account
- Reliable and stable
What to consider
- Low interest rate (1.25%)
- Requires ING current account
- Much better rates elsewhere
- Rate varies by balance tier
Revolut 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
Questions
Is Oranje Spaarrekening or Revolut Savings Vault better for expats in the Netherlands?
Oranje Spaarrekening and Revolut Savings Vault are closely matched. Oranje Spaarrekening offers 1.25% (up to 2.25% with ING Max) and Revolut Savings Vault offers 1.25% (up to 2.50% with Revolut Ultra); the right pick depends on whether you prioritise rate, flexibility, or the deposit guarantee.
Which has the higher interest rate, Oranje Spaarrekening or Revolut Savings Vault?
Both currently pay the same rate: 1.25% (up to 2.25% with ING Max).
Are Oranje Spaarrekening and Revolut Savings Vault covered by a deposit guarantee?
Oranje Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). Revolut Savings Vault: Up to €100,000 per person per bank, under the Lithuanian deposit guarantee scheme, or the German one when the money is held at Deutsche Bank as trust bank.