Head to head · 2026
Flexibel Sparen (via Raisin) vs Easy Savings
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 2.01%
- Maximum deposit: €250,000 vs €100,000
Bigbank
Our pickFlexibel Sparen (via Raisin)
Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.
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bunq
Easy Savings
Dutch bank with tiered interest: 1.51% base rate, 2.01% bonus on savings above your threshold. Weekly payouts, excellent app, max 2 withdrawals/month.
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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.
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
Easy Savings
What we like
- Up to 2.01% bonus interest above threshold
- Weekly interest payments
- Excellent mobile app
- Dutch bank with €100k guarantee
What to consider
- Requires bunq subscription (€2.99+/mo)
- Max 2 withdrawals/month
- Base rate only 1.51% (below threshold)
- Subscription cost eats into returns
Frequently asked
Is Flexibel Sparen (via Raisin) or Easy Savings 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 2.01%
Which has the higher interest rate, Flexibel Sparen (via Raisin) or Easy Savings?
Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 2.01%.
Are Flexibel Sparen (via Raisin) and Easy Savings covered by the Dutch deposit guarantee?
Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). Easy Savings is covered up to €100,000.