FCM Bank Savings (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 1.91%
- Maximum deposit: No limit vs €100,000
| Figure | ||
|---|---|---|
| Interest rate | 1.91% | 2.20% (up to 2.70% with Klarna Max) (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 | No limit (better) |
| Deposit guarantee | Up to €100,000 (MT scheme) | Up to Covered (SE scheme) |
| Rate check | Not yet verified | Verified 18 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.
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
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 FCM Bank Savings (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 1.91%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Klarna Savings?
Klarna Savings pays more — 2.20% (up to 2.70% with Klarna Max) versus 1.91%.
Are FCM Bank Savings (via Raisin) and Klarna 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. Klarna Savings: Covered, under the Swedish deposit guarantee scheme (Riksgälden). Up to SEK 1,150,000 (about €100,000) per person.