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Head to head · 2026

ASN Sparen 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 1.30%

ASN Bank

ASN Sparen

Major Dutch sustainable bank (formerly de Volksbank). Focuses on social and environmental impact. Now the parent brand after 2025 rebrand, incorporating SNS and RegioBank.

ethicalsustainabledutch-bank

Bigbank

Our pick

Flexibel Sparen (via Raisin)

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

high-interestflexiblerate-chasers

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Side by side

Feature
ASN Sparen
Flexibel Sparen (via Raisin)
Interest rate
1.30%
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.

ASN Sparen

What we like

  • Sustainable investment focus
  • Climate-positive bank
  • Now a major Dutch banking group
  • Full €100k guarantee

What to consider

  • Low interest rate (~1.30%)
  • Dutch-only interface mostly
  • Limited product range
  • Undergoing organizational changes (2025-2026 rebrand)

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 ASN Sparen 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 1.30%

Which has the higher interest rate, ASN Sparen or Flexibel Sparen (via Raisin)?

Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 1.30%.

Are ASN Sparen and Flexibel Sparen (via Raisin) covered by the Dutch deposit guarantee?

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

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