You have money saved in your ING, ABN AMRO, or Rabobank account. They pay you some interest. It’s not much, but “at least something is something,” you think. What if I told you that this “something” could be double—or more—without any additional risk?
I’ll show you with real numbers.
What the big banks in the Netherlands pay you
The three big Dutch banks—ING, ABN AMRO, and Rabobank—currently offer these rates on their savings accounts:
- ING: 1.25%
- ABN AMRO: 1.25%
- Rabobank: 1.40%
They’re not being particularly generous. In fact, in 2025 ING and ABN AMRO lowered their rates, while other alternatives went up. The big banks can afford to pay less because they know that most of their customers won’t switch banks for a few tenths more interest.
What you can earn with Raisin
Raisin is a European savings platform that works like a marketplace: it gives you access to savings accounts from banks across Europe, from a single account. And these banks—which need to attract deposits—offer significantly higher rates than the big Dutch banks.
In April 2026, through Raisin you can find:
- Flexible savings accounts (spaarrekening): up to 1.92% annually
- 4-year fixed-term deposits: up to 2.81%
- 5-year fixed-term deposits: up to 2.86%
The difference compared to the big banks: up to 0.67 percentage points in flexible accounts. It seems small, but let’s see what it means in real euros.
How much money are you losing? The numbers
Let’s calculate with three typical scenarios, comparing Rabobank (the best of the big three, at 1.40%) with a flexible Raisin account at 1.92%:
| Savings | Rabobank (1.40%) | Raisin (1.92%) | Difference per year |
|---|---|---|---|
| €5,000 | €70 | €96 | +€26 |
| €15,000 | €210 | €288 | +€78 |
| €30,000 | €420 | €576 | +€156 |
And if you opt for a 5-year fixed-term deposit at 2.86%, the difference is even greater:
| Savings | Rabobank (1.40%) | Raisin 5-year deposit (2.86%) | Difference per year |
|---|---|---|---|
| €5,000 | €70 | €143 | +€73 |
| €15,000 | €210 | €429 | +€219 |
| €30,000 | €420 | €858 | +€438 |
€438 a year difference for having the same amount of money elsewhere, with the same level of security. That’s not pocket change; it’s real money you’re missing out on.
Is it safe? What about my money?
This is the question I hear most from Latin Americans in the Netherlands—and it’s completely valid. In many LATAM countries, we’ve seen banks fail, currencies devalue, and savings systems that weren’t what they seemed. Skepticism is healthy.
Here are the specific guarantees:
- Raisin is a regulated entity in Europe, supervised by the BaFin (the German financial regulator) and registered in several European countries.
- Each of Raisin’s partner banks has its own deposit guarantee fund. This means your money is protected up to €100,000 per bank under the European Deposit Guarantee Scheme. If you use multiple banks within Raisin, you have €100,000 coverage for each one.
- Opening and managing the account in Raisin is completely free. Raisin charges the banks, not you.
We are not talking about investing in the stock market or cryptocurrencies. It’s savings, with a European government guarantee. The only “risk” of a fixed-term deposit is that you can’t touch the money until the term ends.
How does Raisin work in practice?
The process is simpler than it seems:
- You open a free account at Raisin—you only need your ID and Dutch banking details.
- You choose the product that suits you best: flexible account, 1-year deposit, 2-year deposit, 5-year deposit… depending on when you might need the money.
- You transfer the money from your Dutch bank to your Raisin account.
- Raisin places it in the partner bank you chose, and you receive the agreed interest.
Everything is managed from a single platform in Spanish (or English/Dutch). You don’t need to open an account at every foreign bank separately.
For whom is Raisin most suitable?
Raisin is especially interesting if:
- You have an emergency fund already covered (3-6 months of expenses) and have additional money you won’t need short-term
- You have €5,000 or more in a big bank savings account earning little
- You are looking for something safer than investing in the stock market but more profitable than the current account
- You want to diversify your savings in different European banks without complications
It’s not ideal if you need immediate access to all your money (for that, it’s better to keep some in your usual bank as a cushion) or if your savings are very small (less than €1,000).
How to start?
If you want to see the current rates available for residents in the Netherlands and compare options, you can do so directly on Raisin. The account opening is free and without obligation—you can explore the options before deciding whether to transfer money or not.
👉 See the current rates on Raisin
Your money is already working. The question is if it is working as much as it could.
Do you already use Raisin or an alternative for your savings in the Netherlands? Tell us about your experience in the comments.
