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Expat Money

Scalable Capital Cash vs Trade Republic Cash Interest

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 3.00% as a promotion, then 2.00%
Scalable Capital Cash and Trade Republic Cash Interest compared. The better value in each row is marked.
Figure
Scalable Capital CashOur pick
Trade Republic Cash Interest
Interest rate2.60% (better)3.00% as a promotion, then 2.00%
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€50,000No limit (better)
Deposit guaranteeDependsUp to €100,000 (EU scheme) (better)
Rate checkVerified 29 October 2026Verified 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.

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

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 Scalable Capital Cash or Trade Republic Cash Interest better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.60% vs 3.00% as a promotion, then 2.00%
Which has the higher interest rate, Scalable Capital Cash or Trade Republic Cash Interest?
Scalable Capital Cash pays more — 2.60% versus 3.00% as a promotion, then 2.00%.
Are Scalable Capital Cash and Trade Republic Cash Interest covered by a deposit guarantee?
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. 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.