Head to head · 2026
FCM Bank Savings (via Raisin) vs Wise 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
FCM Bank Savings (via Raisin) is the stronger pick for most expats.
- Interest rate: 1.91% vs 1.72%
- Deposit guarantee: Up to €100,000 vs Not guaranteed
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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Wise
Wise Interest
Earn interest on EUR balance through BlackRock money market fund. Variable rate (~1.57% avg net of 0.26% fee). Best if you already use Wise for international transfers. Not a guaranteed deposit rate.
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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
Wise Interest
What we like
- Interest paid monthly
- No lock-up period
- Excellent for multi-currency
- Instant access to funds
What to consider
- Not a bank deposit (money market fund)
- Not covered by €100k deposit guarantee
- Rate is variable and net of 0.26% fund fee
- Estonian investor protection only (€20k)
Frequently asked
Is FCM Bank Savings (via Raisin) or Wise Interest better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.72%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Wise Interest?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.72%.
Are FCM Bank Savings (via Raisin) and Wise Interest covered by the Dutch deposit guarantee?
FCM Bank Savings (via Raisin) is covered (deposits protected up to €100,000). Wise Interest is not covered.