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Expat Money

FCM Bank Savings (via Raisin) vs NIBC Direct Spaarrekening

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 1.44%
FCM Bank Savings (via Raisin) and NIBC Direct Spaarrekening compared. The better value in each row is marked.
Figure
FCM Bank Savings (via Raisin)Our pick
NIBC Direct Spaarrekening
Interest rate1.91% (better)1.44%
Minimum depositNoneNone
Access to your moneyInstantInstant
Maximum deposit€100,000No limit (better)
Deposit guaranteeUp to €100,000 (MT 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.

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

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 FCM Bank Savings (via Raisin) or NIBC Direct Spaarrekening better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.44%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or NIBC Direct Spaarrekening?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.44%.
Are FCM Bank Savings (via Raisin) and NIBC Direct Spaarrekening covered by a deposit guarantee?
FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme. NIBC Direct Spaarrekening: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).