Oranje Spaarrekening vs Scalable Capital Cash
Two savings accounts for expats in the Netherlands, figure by figure.
Scalable Capital Cash is the stronger pick for most expats.
- Interest rate: 2.60% vs 1.25% (up to 2.25% with ING Max)
| Figure | ||
|---|---|---|
| Interest rate | 1.25% (up to 2.25% with ING Max) | 2.60% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €50,000 |
| Deposit guarantee | Up to €100,000 (NL scheme) (better) | Depends |
| Rate check | Not yet verified | Verified 18 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
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
Questions
Is Oranje Spaarrekening or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.60% vs 1.25% (up to 2.25% with ING Max)
Which has the higher interest rate, Oranje Spaarrekening or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.60% versus 1.25% (up to 2.25% with ING Max).
Are Oranje Spaarrekening and Scalable Capital Cash covered by a deposit guarantee?
Oranje Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). Scalable Capital Cash: Covered only in some cases (German deposit guarantee scheme (EdB), and partner banks under their own schemes). Only for money held as deposits: without the PRIME+ plan Scalable can hold the cash in money market funds instead, which no deposit guarantee covers.