Head to head · 2026
Flexibel Sparen (via Raisin) vs BUUT 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 1.45%
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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BUUT (ABN AMRO)
BUUT Savings
New neobank launched by ABN AMRO in 2025, built by the Tikkie team. Dutch IBAN with savings tools and budgeting features. Same rates as ABN AMRO Direct Sparen.
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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
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
Frequently asked
Is Flexibel Sparen (via Raisin) or BUUT 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 1.45%
Which has the higher interest rate, Flexibel Sparen (via Raisin) or BUUT Savings?
Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 1.45%.
Are Flexibel Sparen (via Raisin) and BUUT Savings covered by the Dutch deposit guarantee?
Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). BUUT Savings is covered up to €100,000.
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