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Expat Money

Bigbank Flexibel Sparen (via Raisin) vs Scalable Capital Cash

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

Scalable Capital Cash is the stronger pick for most expats.

  • Interest rate: 2.60% vs 2.85% as a promotion for 3 months, then 2.10%
Bigbank Flexibel Sparen (via Raisin) and Scalable Capital Cash compared. The better value in each row is marked.
Figure
Bigbank Flexibel Sparen (via Raisin)
Scalable Capital CashOur pick
Interest rate2.85% as a promotion for 3 months, then 2.10%2.60% (better)
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€250,000 (better)€50,000
Deposit guaranteeUp to €100,000 (EE scheme) (better)Depends
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

Scalable Capital Cash

What we like

  • 2.00% on cash balances
  • German-regulated platform
  • EU deposit guarantee
  • Also offers ETF and stock investing

What to consider

  • Maximum €50,000 for interest
  • Primarily an investment platform
  • German bank (not Dutch)
  • Rate may follow ECB changes

Questions

Is Bigbank Flexibel Sparen (via Raisin) or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.60% vs 2.85% as a promotion for 3 months, then 2.10%
Which has the higher interest rate, Bigbank Flexibel Sparen (via Raisin) or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.60% versus 2.85% as a promotion for 3 months, then 2.10%.
Are Bigbank Flexibel Sparen (via Raisin) and Scalable Capital Cash 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). Scalable Capital Cash: Covered only in some cases (German deposit guarantee scheme (EdB), and partner banks under their own schemes). Only for money held as deposits: without the PRIME+ plan Scalable can hold the cash in money market funds instead, which no deposit guarantee covers.