Head to head · 2026
Flexibel Sparen (via Raisin) vs Welcome 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 3.00% for 3 mo, then 1.90%
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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Openbank
Welcome Savings
Best promotional rate in the Netherlands: 3.00% for 3 months on up to €1 million. After promo, standard rate of 1.90% which is still competitive.
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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
Welcome Savings
What we like
- 3.00% welcome rate for 3 months
- No minimum deposit
- Up to €1 million covered
- EU deposit guarantee (Spain)
What to consider
- Rate drops to 1.90% after promo
- Spanish bank (Santander subsidiary)
- Customer service can be slow
- App not as polished as Dutch banks
Frequently asked
Is Flexibel Sparen (via Raisin) or Welcome 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 3.00% for 3 mo, then 1.90%
Which has the higher interest rate, Flexibel Sparen (via Raisin) or Welcome Savings?
Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 3.00% for 3 mo, then 1.90%.
Are Flexibel Sparen (via Raisin) and Welcome Savings covered by the Dutch deposit guarantee?
Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). Welcome Savings is covered up to €100,000.