Bigbank
Flexibel Sparen (via Raisin)
Interest rate
2.85%APY
After 3mo
2.1%
Access
Instant
Protection
€100k
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Best for:High InterestFlexibleRate Chasers
EU Deposit Guarantee
Protected up to €100,000
Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.
Rates last verified: 27 February 2026
Rate breakdown
Promotional rate
2.85% APY
Duration
3 months
After promotional period
2.1% APY
The verdict
What we like
- 2.10% standard rate (no promo gimmicks)
- Flexible withdrawals
- EU deposit guarantee (Estonia)
- Access via Raisin platform
What to consider
- Need Raisin account to access
- Estonian bank (foreign)
- Separate platform to manage
- Rate can change
Account details
Standard interest rate2.1% APY
Promotional rate2.85% for 3 months
Minimum depositNone required
Maximum deposit€250,000
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
2.85%
annual interest
Affiliate link — we may earn a commission. Details
You'll need your BSN and valid ID
Quick facts
Provider
Bigbank
Access time
Instant
Protection
€100k guaranteed
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