Revolut Savings Vault 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 2.50% with Revolut Ultra)
| Figure | ||
|---|---|---|
| Interest rate | 1.25% (up to 2.50% with Revolut Ultra) | 2.60% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 (better) | €50,000 |
| Deposit guarantee | Up to €100,000 (LT/DE scheme) (better) | Depends |
| 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.
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
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 Revolut Savings Vault 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 2.50% with Revolut Ultra)
Which has the higher interest rate, Revolut Savings Vault or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.60% versus 1.25% (up to 2.50% with Revolut Ultra).
Are Revolut Savings Vault and Scalable Capital Cash covered by a deposit guarantee?
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. 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.