FCM Bank Savings (via Raisin) vs Scalable Capital Cash
Two savings accounts for expats in the Netherlands, figure by figure.
Scalable Capital Cash is the stronger pick for most expats.
- Interest rate: 2.60% vs 1.91%
| Figure | ||
|---|---|---|
| Interest rate | 1.91% | 2.60% (better) |
| Minimum deposit | None | None |
| Access to your money | Instant | Instant |
| Maximum deposit | €100,000 (better) | €50,000 |
| Deposit guarantee | Up to €100,000 (MT scheme) (better) | Depends |
| Rate check | Not yet verified | Verified 29 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
Scalable Capital Cash
What we like
- 2.00% on cash balances
- German-regulated platform
- EU deposit guarantee
- Also offers ETF and stock investing
What to consider
- Maximum €50,000 for interest
- Primarily an investment platform
- German bank (not Dutch)
- Rate may follow ECB changes
Questions
Is FCM Bank Savings (via Raisin) or Scalable Capital Cash better for expats in the Netherlands?
Scalable Capital Cash comes out ahead for most expats. Interest rate: 2.60% vs 1.91%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Scalable Capital Cash?
Scalable Capital Cash pays more — 2.60% versus 1.91%.
Are FCM Bank Savings (via Raisin) and Scalable Capital Cash covered by a deposit guarantee?
FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme. Scalable Capital Cash: Covered only in some cases (German deposit guarantee scheme (EdB), and partner banks under their own schemes). Only for money held as deposits: without the PRIME+ plan Scalable can hold the cash in money market funds instead, which no deposit guarantee covers.