Rabo Spaargeld vs Revolut Savings Vault
Two savings accounts for expats in the Netherlands, figure by figure.
Rabo Spaargeld is the stronger pick for most expats.
- Interest rate: 1.60% vs 1.25% (up to 2.50% with Revolut Ultra)
- Maximum deposit: No limit vs €100,000
| Figure | ||
|---|---|---|
| Interest rate | 1.60% (better) | 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 | Verified 29 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.
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
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 Rabo Spaargeld or Revolut Savings Vault better for expats in the Netherlands?
Rabo Spaargeld comes out ahead for most expats. Interest rate: 1.60% vs 1.25% (up to 2.50% with Revolut Ultra)
Which has the higher interest rate, Rabo Spaargeld or Revolut Savings Vault?
Rabo Spaargeld pays more — 1.60% versus 1.25% (up to 2.50% with Revolut Ultra).
Are Rabo Spaargeld and Revolut Savings Vault covered by a deposit guarantee?
Rabo Spaargeld: 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.