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Expat Money

Bigbank Flexibel Sparen (via Raisin) vs Garanti BBVA 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 2.55% as a promotion for 6 months, then 1.55%
  • Maximum deposit: €250,000 vs €100,000
  • Deposit guarantee: Up to €100,000 (EE scheme) vs Not verified
Bigbank Flexibel Sparen (via Raisin) and Garanti BBVA Savings compared. The better value in each row is marked.
Figure
Bigbank Flexibel Sparen (via Raisin)Our pick
Garanti BBVA Savings
Interest rate2.85% as a promotion for 3 months, then 2.10% (better)2.55% as a promotion for 6 months, then 1.55%
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€250,000 (better)€100,000
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

Garanti BBVA Savings

What we like

  • 2.55% promotional rate for 6 months
  • Dutch-registered bank with DNB supervision
  • Full €100k deposit guarantee
  • No lock-up period

What to consider

  • Standard rate drops to 1.55% after promo
  • Less known brand in Netherlands
  • Basic online interface
  • Rate may change

Questions

Is Bigbank Flexibel Sparen (via Raisin) or Garanti BBVA 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 2.55% as a promotion for 6 months, then 1.55%
Which has the higher interest rate, Bigbank Flexibel Sparen (via Raisin) or Garanti BBVA Savings?
Bigbank Flexibel Sparen (via Raisin) pays more — 2.85% as a promotion for 3 months, then 2.10% versus 2.55% as a promotion for 6 months, then 1.55%.
Are Bigbank Flexibel Sparen (via Raisin) and Garanti BBVA 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). Garanti BBVA Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit.