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Expat Money

Bigbank Flexibel Sparen (via Raisin) vs NIBC Direct Spaarrekening

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 1.44%
Bigbank Flexibel Sparen (via Raisin) and NIBC Direct Spaarrekening compared. The better value in each row is marked.
Figure
Bigbank Flexibel Sparen (via Raisin)Our pick
NIBC Direct Spaarrekening
Interest rate2.85% as a promotion for 3 months, then 2.10% (better)1.44%
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€250,000No limit (better)
Deposit guaranteeUp to €100,000 (EE scheme)Up to €100,000 (NL scheme)
Rate checkNot yet verifiedUnconfirmed since 13 August 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

NIBC Direct Spaarrekening

What we like

  • 1.45% standard rate
  • Dutch bank with DNB supervision
  • No minimum deposit
  • Full €100k guarantee

What to consider

  • Online-only (no branches)
  • Less known brand
  • Basic online interface
  • No mobile app

Questions

Is Bigbank Flexibel Sparen (via Raisin) or NIBC Direct Spaarrekening 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 1.44%
Which has the higher interest rate, Bigbank Flexibel Sparen (via Raisin) or NIBC Direct Spaarrekening?
Bigbank Flexibel Sparen (via Raisin) pays more — 2.85% as a promotion for 3 months, then 2.10% versus 1.44%.
Are Bigbank Flexibel Sparen (via Raisin) and NIBC Direct Spaarrekening 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). NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).