Skip to content

Head to head · 2026

Flexibel Sparen (via Raisin) vs Rabo Spaargeld

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 1.40%

Bigbank

Our pick

Flexibel Sparen (via Raisin)

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

high-interestflexiblerate-chasers

Affiliate link — we may earn a commission. Details

Rabobank

Rabo Spaargeld

One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.

rabobank-customerstraditionaldutch-bank

Side by side

Feature
Flexibel Sparen (via Raisin)
Rabo Spaargeld
Interest rate
2.85% for 3 mo, then 2.10%
1.40%
Minimum deposit
None
None
Access to your money
Instant
Instant
Maximum deposit
€250,000
No limit
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

Rabo Spaargeld

What we like

  • Major Dutch bank (Big 3)
  • Strong English support
  • 1.70% on first €20,000
  • Full €100k deposit guarantee

What to consider

  • Rate drops to 1.40% above €20k
  • Requires Rabobank current account
  • Traditional banking experience
  • Better rates available elsewhere

Frequently asked

Is Flexibel Sparen (via Raisin) or Rabo Spaargeld 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 1.40%

Which has the higher interest rate, Flexibel Sparen (via Raisin) or Rabo Spaargeld?

Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 1.40%.

Are Flexibel Sparen (via Raisin) and Rabo Spaargeld covered by the Dutch deposit guarantee?

Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). Rabo Spaargeld is covered up to €100,000.

Keep comparing

Related comparisons

Flexibel Sparen (via Raisin) vs Scalable Capital CashRabo Spaargeld vs Scalable Capital CashFlexibel Sparen (via Raisin) vs BUUT SavingsRabo Spaargeld vs BUUT SavingsFlexibel Sparen (via Raisin) vs Klarna SavingsRabo Spaargeld vs Klarna Savings
Browse all savings accounts