Scalable Capital Cash vs Wise 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 1.57% as a promotion, then 1.72%
| Figure | ||
|---|---|---|
| Interest rate | 2.60% (better) | 1.57% as a promotion, then 1.72% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €50,000 | No limit (better) |
| Deposit guarantee | Depends | Not covered |
| Rate check | Verified 18 October 2026 | Verified 5 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
Wise Interest
What we like
- Interest paid monthly
- No lock-up period
- Excellent for multi-currency
- Instant access to funds
What to consider
- Not a bank deposit (money market fund)
- Not covered by €100k deposit guarantee
- Rate is variable and net of 0.26% fund fee
- Estonian investor protection only (€20k)
Questions
Is Scalable Capital Cash or Wise Interest better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.60% vs 1.57% as a promotion, then 1.72%
Which has the higher interest rate, Scalable Capital Cash or Wise Interest?
Scalable Capital Cash pays more — 2.60% versus 1.57% as a promotion, then 1.72%.
Are Scalable Capital Cash and Wise 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. Wise Interest: Not covered by a deposit guarantee scheme. A money market fund, not a bank deposit. Wise Assets Europe AS is covered by the Estonian investor protection fund up to €20,000 if Wise fails; that doesn't cover losses in the fund.