Head to head · 2026
FCM Bank Savings (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
Cash Interest is the stronger pick for most expats.
- Interest rate: 2.00% vs 1.91%
- Maximum deposit: No limit vs €100,000
FCM Bank
FCM 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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Trade Republic
Our pickCash 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.
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
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 FCM Bank Savings (via Raisin) or Cash Interest better for expats in the Netherlands?
Cash Interest comes out ahead for most expats. Interest rate: 2.00% vs 1.91%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Cash Interest?
Cash Interest pays more — 2.00% versus 1.91%.
Are FCM Bank Savings (via Raisin) and Cash Interest covered by the Dutch deposit guarantee?
FCM Bank Savings (via Raisin) is covered (deposits protected up to €100,000). Cash Interest is covered up to €100,000.