Head to head · 2026
FCM Bank Savings (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
FCM Bank Savings (via Raisin) is the stronger pick for most expats.
- Interest rate: 1.91% vs 2.55% for 6 mo, then 1.55%
FCM Bank
Our pickFCM 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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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.
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
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 FCM Bank Savings (via Raisin) or Garanti BBVA Savings better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 2.55% for 6 mo, then 1.55%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Garanti BBVA Savings?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 2.55% for 6 mo, then 1.55%.
Are FCM Bank Savings (via Raisin) and Garanti BBVA Savings covered by the Dutch deposit guarantee?
FCM Bank Savings (via Raisin) is covered (deposits protected up to €100,000). Garanti BBVA Savings is covered up to €100,000.