Revolut Savings Vault 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 1.25% (up to 2.50% with Revolut Ultra)
- Maximum deposit: No limit vs €100,000
| Figure | ||
|---|---|---|
| Interest rate | 1.25% (up to 2.50% with Revolut Ultra) | 3.00% as a promotion, then 2.00% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 | No limit (better) |
| Deposit guarantee | Up to €100,000 (LT/DE scheme) | Up to €100,000 (EU 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.
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
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 Revolut Savings Vault 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 1.25% (up to 2.50% with Revolut Ultra)
Which has the higher interest rate, Revolut Savings Vault or Trade Republic Cash Interest?
Trade Republic Cash Interest pays more — 3.00% as a promotion, then 2.00% versus 1.25% (up to 2.50% with Revolut Ultra).
Are Revolut Savings Vault and Trade Republic Cash Interest 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. 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.