FCM Bank Savings (via Raisin) vs Rabo Spaargeld
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 1.60%
| Figure | ||
|---|---|---|
| Interest rate | 1.91% (better) | 1.60% |
| 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 €100,000 (NL scheme) |
| Rate check | Not yet verified | Verified 16 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
Rabo Spaargeld
What we like
- Major Dutch bank (Big 3)
- Strong English support
- 1.70% on first €20,000
- Full €100k deposit guarantee
What to consider
- Rate drops to 1.40% above €20k
- Requires Rabobank current account
- Traditional banking experience
- Better rates available elsewhere
Questions
Is FCM Bank Savings (via Raisin) or Rabo Spaargeld better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.60%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Rabo Spaargeld?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.60%.
Are FCM Bank Savings (via Raisin) and Rabo Spaargeld covered by a deposit guarantee?
FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme. Rabo Spaargeld: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).