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Expat Money

Ayvens Bank Spaarrekening 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 1.85%
Ayvens Bank Spaarrekening and FCM Bank Savings (via Raisin) compared. The better value in each row is marked.
Figure
Ayvens Bank Spaarrekening
FCM Bank Savings (via Raisin)Our pick
Interest rate1.85%1.91% (better)
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum depositNo limit (better)€100,000
Deposit guaranteeUp to €100,000 (NL scheme)Up to €100,000 (MT scheme)
Rate checkVerified 17 October 2026Not 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.

Ayvens Bank Spaarrekening

What we like

  • Dutch bank with DNB supervision
  • Full €100k deposit guarantee
  • No account fees
  • Straightforward savings

What to consider

  • Rate not the highest (1.85%)
  • Basic online interface
  • Less known brand (rebranded)
  • No mobile app highlights

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 Ayvens Bank Spaarrekening 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 1.85%
Which has the higher interest rate, Ayvens Bank Spaarrekening or FCM Bank Savings (via Raisin)?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.85%.
Are Ayvens Bank Spaarrekening and FCM Bank Savings (via Raisin) covered by a deposit guarantee?
Ayvens Bank Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank). FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme.