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Expat Money

FCM Bank Savings (via Raisin) vs Triodos Bank Internet Sparen

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 1.15%
FCM Bank Savings (via Raisin) and Triodos Bank Internet Sparen compared. The better value in each row is marked.
Figure
FCM Bank Savings (via Raisin)Our pick
Triodos Bank Internet Sparen
Interest rate1.91% (better)1.15%
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 verifiedVerified 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

Triodos Bank Internet Sparen

What we like

  • 100% sustainable investments
  • Transparent about where money goes
  • B Corp certified bank
  • Full €100k guarantee

What to consider

  • Low interest rate (1.15%)
  • Limited English support
  • Smaller bank network
  • Higher ethical standards = lower returns

Questions

Is FCM Bank Savings (via Raisin) or Triodos Bank Internet Sparen better for expats in the Netherlands?
FCM Bank Savings (via Raisin) comes out ahead for most expats. Interest rate: 1.91% vs 1.15%
Which has the higher interest rate, FCM Bank Savings (via Raisin) or Triodos Bank Internet Sparen?
FCM Bank Savings (via Raisin) pays more — 1.91% versus 1.15%.
Are FCM Bank Savings (via Raisin) and Triodos Bank Internet Sparen covered by a deposit guarantee?
FCM Bank Savings (via Raisin): Up to €100,000 per person per bank, under the Maltese Depositor Compensation Scheme. Triodos Bank Internet Sparen: Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).