ASN Sparen vs FCM Bank Savings (via Raisin)
Two savings accounts for expats in the Netherlands, figure by figure.
FCM Bank Savings (via Raisin) is the stronger pick for most expats.
- Interest rate: 1.91% vs 1.30%
| Figure | ||
|---|---|---|
| Interest rate | 1.30% | 1.91% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €100,000 |
| Deposit guarantee | Up to €100,000 (NL scheme) | Up to €100,000 (MT scheme) |
| Rate check | Verified 17 October 2026 | Not yet verified |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
ASN Sparen
What we like
- Sustainable investment focus
- Climate-positive bank
- Now a major Dutch banking group
- Full €100k guarantee
What to consider
- Low interest rate (~1.30%)
- Dutch-only interface mostly
- Limited product range
- Undergoing organizational changes (2025-2026 rebrand)
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
Questions
Is ASN Sparen or FCM Bank Savings (via Raisin) better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.30%
Which has the higher interest rate, ASN Sparen or FCM Bank Savings (via Raisin)?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.30%.
Are ASN Sparen and FCM Bank Savings (via Raisin) covered by a deposit guarantee?
ASN Sparen: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). ASN Bank, SNS, RegioBank and BLG Wonen are one bank: one €100,000 limit across them. FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme.