Head to head · 2026
FCM Bank Savings (via Raisin) vs NIBC Direct 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 1.44%
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
NIBC Direct
NIBC Direct Spaarrekening
Dutch bank offering 1.45% with no strings attached. Simple online-only savings. Often overlooked but solid choice for rate-seekers.
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
NIBC Direct Spaarrekening
What we like
- 1.45% standard rate
- Dutch bank with DNB supervision
- No minimum deposit
- Full €100k guarantee
What to consider
- Online-only (no branches)
- Less known brand
- Basic online interface
- No mobile app
Frequently asked
Is FCM Bank Savings (via Raisin) or NIBC Direct Spaarrekening better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.44%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or NIBC Direct Spaarrekening?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.44%.
Are FCM Bank Savings (via Raisin) and NIBC Direct Spaarrekening covered by the Dutch deposit guarantee?
FCM Bank Savings (via Raisin) is covered (deposits protected up to €100,000). NIBC Direct Spaarrekening is covered up to €100,000.
Keep comparing