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Head to head · 2026

Flexibel Sparen (via Raisin) 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

Flexibel Sparen (via Raisin) is the stronger pick for most expats.

  • Interest rate: 2.85% for 3 mo, then 2.10% vs 1.91%
  • Maximum deposit: €250,000 vs €100,000

Bigbank

Our pick

Flexibel Sparen (via Raisin)

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

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FCM Bank

FCM 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

Feature
Flexibel Sparen (via Raisin)
FCM Bank Savings (via Raisin)
Interest rate
2.85% for 3 mo, then 2.10%
1.91%
Minimum deposit
None
None
Access to your money
Instant
Instant
Maximum deposit
€250,000
€100,000
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.

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

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 Flexibel Sparen (via Raisin) or FCM Bank Savings (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 1.91%

Which has the higher interest rate, Flexibel Sparen (via Raisin) or FCM Bank Savings (via Raisin)?

Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 1.91%.

Are Flexibel Sparen (via Raisin) and FCM Bank Savings (via Raisin) covered by the Dutch deposit guarantee?

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

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