Head to head · 2026
FCM Bank Savings (via Raisin) vs Oranje Spaarrekening
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 1.25%
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.
Affiliate link — we may earn a commission. Details
ING
Oranje Spaarrekening
ING savings account integrated with your payment account. Convenient but rate is low at 1.25%. Best for convenience, not returns.
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
Oranje Spaarrekening
What we like
- Largest Dutch bank
- Seamless app integration
- Instant transfers to current account
- Reliable and stable
What to consider
- Low interest rate (1.25%)
- Requires ING current account
- Much better rates elsewhere
- Rate varies by balance tier
Frequently asked
Is FCM Bank Savings (via Raisin) or Oranje Spaarrekening better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.25%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Oranje Spaarrekening?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.25%.
Are FCM Bank Savings (via Raisin) and Oranje Spaarrekening covered by the Dutch deposit guarantee?
FCM Bank Savings (via Raisin) is covered (deposits protected up to €100,000). Oranje Spaarrekening is covered up to €100,000.