Head to head · 2026
ABN AMRO Savings vs FCM Bank Savings (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
FCM Bank Savings (via Raisin) is the stronger pick for most expats.
- Interest rate: 1.91% 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.
FCM Bank
Our pickFCM Bank Savings (via Raisin)
Maltese bank via Raisin offering 1.91% flexible savings. Decent rate with EU protection. Accessible through Raisin platform.
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Side by side
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
FCM Bank Savings (via Raisin)
What we like
- 1.91% flexible rate
- EU deposit guarantee (Malta)
- No minimum deposit
- Access via Raisin
What to consider
- Maltese bank (less familiar)
- Need Raisin account
- Smaller bank
- Rate can change
Frequently asked
Is ABN AMRO Savings or FCM Bank Savings (via Raisin) better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.45%
Which has the higher interest rate, ABN AMRO Savings or FCM Bank Savings (via Raisin)?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.45%.
Are ABN AMRO Savings and FCM Bank Savings (via Raisin) covered by the Dutch deposit guarantee?
ABN AMRO Savings is covered (deposits protected up to €100,000). FCM Bank Savings (via Raisin) is covered up to €100,000.