Head to head · 2026
Flexibel Sparen (via Raisin) vs Cash Interest
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 2.00%
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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Trade Republic
Cash Interest
German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
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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
Cash Interest
What we like
- 2.00% interest (matches ECB rate)
- No account fees
- Dutch IBAN available
- Monthly interest payments
What to consider
- Primarily an investment platform
- German bank (not Dutch)
- Rate follows ECB (will drop when ECB cuts)
- Less established than traditional banks
Frequently asked
Is Flexibel Sparen (via Raisin) or Cash Interest 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 2.00%
Which has the higher interest rate, Flexibel Sparen (via Raisin) or Cash Interest?
Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 2.00%.
Are Flexibel Sparen (via Raisin) and Cash Interest covered by the Dutch deposit guarantee?
Flexibel Sparen (via Raisin) is covered (deposits protected up to €100,000). Cash Interest is covered up to €100,000.