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Expat Money

Bigbank Flexibel Sparen (via Raisin) vs BUUT Savings

Two savings accounts for expats in the Netherlands, figure by figure.

Bigbank Flexibel Sparen (via Raisin) is the stronger pick for most expats.

  • Interest rate: 2.85% as a promotion for 3 months, then 2.10% vs 1.45%
  • Deposit guarantee: Up to €100,000 (EE scheme) vs Not verified
Bigbank Flexibel Sparen (via Raisin) and BUUT Savings compared. The better value in each row is marked.
Figure
Bigbank Flexibel Sparen (via Raisin)Our pick
BUUT Savings
Interest rate2.85% as a promotion for 3 months, then 2.10% (better)1.45%
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€250,000No limit (better)
Deposit guaranteeUp to €100,000 (EE scheme) (better)Not verified
Rate checkNot yet verifiedNot 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.

Bigbank Flexibel Sparen (via Raisin)

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

BUUT Savings

What we like

  • Built by the Tikkie team
  • Dutch IBAN with ABN AMRO backing
  • Savings tools and budgeting features
  • Full €100k deposit guarantee

What to consider

  • Very new product (launched 2025)
  • Same rate as ABN AMRO Direct Sparen
  • Limited track record
  • Still building out features

Questions

Is Bigbank Flexibel Sparen (via Raisin) or BUUT Savings better for expats in the Netherlands?
Bigbank Flexibel Sparen (via Raisin) comes out ahead for most expats. Interest rate: 2.85% as a promotion for 3 months, then 2.10% vs 1.45%
Which has the higher interest rate, Bigbank Flexibel Sparen (via Raisin) or BUUT Savings?
Bigbank Flexibel Sparen (via Raisin) pays more — 2.85% as a promotion for 3 months, then 2.10% versus 1.45%.
Are Bigbank Flexibel Sparen (via Raisin) and BUUT Savings covered by a deposit guarantee?
Bigbank Flexibel Sparen (via Raisin): Up to €100,000 per person per bank, under the Estonian deposit guarantee fund (Tagatisfond). BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit.