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Expat Money

Bigbank Flexibel Sparen (via Raisin) vs FCM Bank Savings (via Raisin)

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 1.91%
  • Maximum deposit: €250,000 vs €100,000
Bigbank Flexibel Sparen (via Raisin) and FCM Bank Savings (via Raisin) compared. The better value in each row is marked.
Figure
Bigbank Flexibel Sparen (via Raisin)Our pick
FCM Bank Savings (via Raisin)
Interest rate2.85% as a promotion for 3 months, then 2.10% (better)1.91%
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€250,000 (better)€100,000
Deposit guaranteeUp to €100,000 (EE scheme)Up to €100,000 (MT scheme)
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

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 Bigbank Flexibel Sparen (via Raisin) or FCM Bank Savings (via Raisin) 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 1.91%
Which has the higher interest rate, Bigbank Flexibel Sparen (via Raisin) or FCM Bank Savings (via Raisin)?
Bigbank Flexibel Sparen (via Raisin) pays more — 2.85% as a promotion for 3 months, then 2.10% versus 1.91%.
Are Bigbank Flexibel Sparen (via Raisin) and FCM Bank Savings (via Raisin) 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). FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme.