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Promo rate availableEU ProtectedUpdated 27 February 2026

Flexibel Sparen (via Raisin)

by Bigbank

Interest rate
2.85%APY
After 3mo
2.1%
Access
Instant
Protection
€100k
2.85
% APY
Best for:High InterestFlexibleRate Chasers
EU Deposit Guarantee
Protected up to €100,000

Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.

Rates last verified: 27 February 2026

Rate breakdown

Promotional rate
2.85% APY
Duration
3 months
After promotional period
2.1% APY

The verdict

What we like

  • +2.10% standard rate (no promo gimmicks)
  • +Flexible withdrawals
  • +EU deposit guarantee (Estonia)
  • +Access via Raisin platform

What to consider

  • -Need Raisin account to access
  • -Estonian bank (foreign)
  • -Separate platform to manage
  • -Rate can change

Account details

Standard interest rate2.1% APY
Promotional rate2.85% for 3 months
Minimum depositNone required
Maximum deposit€250,000
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
2.85%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
Bigbank
Access time
Instant
Protection
€100k guaranteed
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