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Expat Money

Bigbank Flexibel Sparen (via Raisin) vs Klarna Savings

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

Klarna Savings is the stronger pick for most expats.

  • Interest rate: 2.20% (up to 2.70% with Klarna Max) vs 2.85% as a promotion for 3 months, then 2.10%
  • Maximum deposit: No limit vs €250,000
Bigbank Flexibel Sparen (via Raisin) and Klarna Savings compared. The better value in each row is marked.
Figure
Bigbank Flexibel Sparen (via Raisin)
Klarna SavingsOur pick
Interest rate2.85% as a promotion for 3 months, then 2.10%2.20% (up to 2.70% with Klarna Max) (better)
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€250,000No limit (better)
Deposit guaranteeUp to €100,000 (EE scheme)Up to Covered (SE scheme)
Rate checkNot yet verifiedVerified 17 October 2026

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

Klarna Savings

What we like

  • 1.75% interest rate
  • Excellent mobile app
  • Swedish bank license
  • EU deposit guarantee (Sweden)

What to consider

  • Primarily known for payments
  • Swedish bank (not Dutch)
  • Relatively new savings product
  • App focused on shopping features

Questions

Is Bigbank Flexibel Sparen (via Raisin) or Klarna Savings better for expats in the Netherlands?
Klarna Savings comes out ahead for most expats. Interest rate: 2.20% (up to 2.70% with Klarna Max) vs 2.85% as a promotion for 3 months, then 2.10%
Which has the higher interest rate, Bigbank Flexibel Sparen (via Raisin) or Klarna Savings?
Klarna Savings pays more — 2.20% (up to 2.70% with Klarna Max) versus 2.85% as a promotion for 3 months, then 2.10%.
Are Bigbank Flexibel Sparen (via Raisin) and Klarna 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). Klarna Savings: Covered, under the Swedish deposit guarantee scheme (Riksgälden). Up to SEK 1,150,000 (about €100,000) per person.