BUUT Savings vs FCM Bank Savings (via Raisin)
Two savings accounts for expats in the Netherlands, figure by figure.
FCM Bank Savings (via Raisin) is the stronger pick for most expats.
- Interest rate: 1.91% vs 1.45%
- Deposit guarantee: Up to €100,000 (MT scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.45% | 1.91% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | No limit (better) | €100,000 |
| Deposit guarantee | Not verified | Up to €100,000 (MT scheme) (better) |
| Rate check | Not yet verified | Not 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.
BUUT Savings
What we like
- Built by the Tikkie team
- Dutch IBAN with ABN AMRO backing
- Savings tools and budgeting features
- Full €100k deposit guarantee
What to consider
- Very new product (launched 2025)
- Same rate as ABN AMRO Direct Sparen
- Limited track record
- Still building out features
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 BUUT Savings or FCM Bank Savings (via Raisin) better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.45%
Which has the higher interest rate, BUUT Savings or FCM Bank Savings (via Raisin)?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.45%.
Are BUUT Savings and FCM Bank Savings (via Raisin) covered by a deposit guarantee?
BUUT Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit. FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme.