Head to head · 2026
Flexibel Sparen (via Raisin) vs Garanti BBVA 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 2.55% for 6 mo, then 1.55%
- 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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Garanti BBVA
Garanti BBVA Savings
Dutch-registered bank (part of BBVA group) offering 1.55% standard rate with a 2.55% promo for the first 6 months. Solid option with DNB supervision.
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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
Garanti BBVA Savings
What we like
- 2.55% promotional rate for 6 months
- Dutch-registered bank with DNB supervision
- Full €100k deposit guarantee
- No lock-up period
What to consider
- Standard rate drops to 1.55% after promo
- Less known brand in Netherlands
- Basic online interface
- Rate may change
Frequently asked
Is Flexibel Sparen (via Raisin) or Garanti BBVA 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 2.55% for 6 mo, then 1.55%
Which has the higher interest rate, Flexibel Sparen (via Raisin) or Garanti BBVA Savings?
Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 2.55% for 6 mo, then 1.55%.
Are Flexibel Sparen (via Raisin) and Garanti BBVA Savings covered by the Dutch deposit guarantee?
Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). Garanti BBVA Savings is covered up to €100,000.