Head to head · 2026
Spaarrekening 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 1.85%
Ayvens Bank
Spaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
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.
Spaarrekening
What we like
- Dutch bank with DNB supervision
- Full €100k deposit guarantee
- No account fees
- Straightforward savings
What to consider
- Rate not the highest (1.85%)
- Basic online interface
- Less known brand (rebranded)
- No mobile app highlights
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 Spaarrekening 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 1.85%
Which has the higher interest rate, Spaarrekening or FCM Bank Savings (via Raisin)?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.85%.
Are Spaarrekening and FCM Bank Savings (via Raisin) covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). FCM Bank Savings (via Raisin) is covered up to €100,000.