Scalable Capital Cash vs Triodos Bank Internet Sparen
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 1.15%
| Figure | ||
|---|---|---|
| Interest rate | 2.60% (better) | 1.15% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €50,000 | No limit (better) |
| Deposit guarantee | Depends | Up to €100,000 (NL scheme) (better) |
| Rate check | Verified 18 October 2026 | 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.
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
Triodos Bank Internet Sparen
What we like
- 100% sustainable investments
- Transparent about where money goes
- B Corp certified bank
- Full €100k guarantee
What to consider
- Low interest rate (1.15%)
- Limited English support
- Smaller bank network
- Higher ethical standards = lower returns
Questions
Is Scalable Capital Cash or Triodos Bank Internet Sparen better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.60% vs 1.15%
Which has the higher interest rate, Scalable Capital Cash or Triodos Bank Internet Sparen?
Scalable Capital Cash pays more — 2.60% versus 1.15%.
Are Scalable Capital Cash and Triodos Bank Internet Sparen 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. Triodos Bank Internet Sparen: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).