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Head to head · 2026

ABN AMRO Savings vs Flexibel Sparen (via Raisin)

How these two savings accounts stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.

Our verdict

Flexibel Sparen (via Raisin) is the stronger pick for most expats.

  • Interest rate: 2.85% for 3 mo, then 2.10% vs 1.45%

ABN AMRO

ABN AMRO Savings

Major Dutch bank with excellent English support. Rate is up to 1.45% on Direct Sparen. You get reliability and easy integration if you bank with ABN.

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Bigbank

Our pick

Flexibel Sparen (via Raisin)

Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.

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Side by side

Feature
ABN AMRO Savings
Flexibel Sparen (via Raisin)
Interest rate
1.45%
2.85% for 3 mo, then 2.10%
Minimum deposit
None
None
Access to your money
Instant
Instant
Maximum deposit
No limit
€250,000
Deposit guarantee
Up to €100,000
Up to €100,000

Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.

ABN AMRO Savings

What we like

  • Major Dutch bank
  • Excellent English support
  • Integrated with current account
  • Full €100k guarantee

What to consider

  • Lower interest rate than fintechs
  • Requires ABN AMRO account
  • Traditional banking experience
  • Better rates elsewhere

Flexibel Sparen (via Raisin)

What we like

  • 2.10% standard rate (no promo gimmicks)
  • Flexible withdrawals
  • EU deposit guarantee (Estonia)
  • Access via Raisin platform

What to consider

  • Need Raisin account to access
  • Estonian bank (foreign)
  • Separate platform to manage
  • Rate can change

Frequently asked

Is ABN AMRO Savings or Flexibel Sparen (via Raisin) better for expats in the Netherlands?

Flexibel Sparen (via Raisin) comes out ahead for most expats. Interest rate: 2.85% for 3 mo, then 2.10% vs 1.45%

Which has the higher interest rate, ABN AMRO Savings or Flexibel Sparen (via Raisin)?

Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 1.45%.

Are ABN AMRO Savings and Flexibel Sparen (via Raisin) covered by the Dutch deposit guarantee?

ABN AMRO Savings is covered (deposits protected up to €100,000). Flexibel Sparen (via Raisin) is covered up to €100,000.

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