FCM Bank Savings (via Raisin) vs Garanti BBVA Savings
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 2.55% as a promotion for 6 months, then 1.55%
- Deposit guarantee: Up to €100,000 (MT scheme) vs Not verified
| Figure | ||
|---|---|---|
| Interest rate | 1.91% (better) | 2.55% as a promotion for 6 months, then 1.55% |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 | €100,000 |
| Deposit guarantee | Up to €100,000 (MT scheme) (better) | Not verified |
| 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.
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
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 FCM Bank Savings (via Raisin) or Garanti BBVA Savings better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 2.55% as a promotion for 6 months, then 1.55%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Garanti BBVA Savings?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 2.55% as a promotion for 6 months, then 1.55%.
Are FCM Bank Savings (via Raisin) and Garanti BBVA Savings covered by a deposit guarantee?
FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme. Garanti BBVA Savings: Not verified yet. Check the provider’s deposit guarantee information sheet before you deposit.