The Federal Republic of Germany is the largest economy and the main export-power among European Union member states. Germany is also one of the few nations in the world that has obtained the highest rating, “AAA”, for its sovereign debt from the three major credit rating agencies.

Germany

Germany does not levy withholding tax on non-residents, i.e. you are automatically exempt from withholding tax and do not have to do anything else.

Aareal Bank AG, headquartered in Wiesbaden, is a leading international real estate specialist. The bank's origins date back to 1923. It offers financing, software products and digital solutions for the real estate sector and related industries. Aareal Bank operates on three continents - Europe, North America and Asia/Pacific - and supports real estate financing in more than 20 countries.

Aareal Bank AG

Deposits including accrued interest income are legally protected up to an amount of EUR 100,000 per customer and per bank by the Entschädigungseinrichtung deutscher Banken GmbH. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.   It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Compensation Scheme of German Banks GmbH

Italy is a republic in the South of Europe. It has one of the biggest economies in the world and is rated as a highly developed stated on the Human Development Index. Italy is one of the founding members of the European Union and uses the Euro as a currency since 2002.

Italy

Crédit Agricole Auto Bank is an international banking group, present in 19 European countries. It’s part of the Crédit Agricole Group, the tenth largest bank in the world and the first in Europe by number of retail customers.

CA Auto Bank is a leading player in vehicle financing and leasing and in the mobility sector, with a complete range of financial, insurance and rental solutions, and more than 50 prestigious brand partners.

The Bank’s history began in 1925: for almost 100 years it has accompanied the evolution of the automotive sector in Europe. CA Auto Bank has also long been active in daily banking, particularly in Italy and Germany, with its deposit accounts. CA Auto Bank's deposit accounts have proven to be one of the instruments that best meets customers' savings needs, thanks to the Bank’s soundness and transparency.

The Bank’s mission, “Creating everyday mobility solutions for a better planet”, sums up its raison d'être: to drive the energy transition in the sector, making access to zero- and low-emission vehicles increasingly democratic and affordable for everyone.

CA Auto Bank

Deposits including accrued interest income are legally protected by the Italian Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Interbank Deposit Protection Fund (FITD)

Sweden is a member of the European Union since 1995, however it has its own currency, the Swedish Krona (SEK). Sweden is distinguished by its highly industrialised economy, based on cutting-edge technology in key sectors such as automotive, electronics and telecommunications. Its strong social welfare network, including a high quality public health and education system, reinforces its position as a society with high levels of equality and well-being. In addition, its focus on environmental sustainability and technological innovation has positioned the country as a leader in the transition to a green economy. Its policy of openness to international trade and its political and social stability continue to attract investment from around the world.

Sweden

Nordax Bank is a Swedish financial institution that specializes in consumer banking services across Northern Europe. Founded in 2003, Nordax primarily focuses on providing loans and savings products to cusotmers across Scandavia and Germany. The bank prioritises simplicity, efficiency, and customer-centric solutions in its operations. Nordax offers various loan products, including personal loans, refinancing options, and credit cards, tailored to meet the diverse needs of its clientele. With a commitment to responsible lending practices, Nordax prioritizes transparency and fair terms for borrowers. The bank's online platform facilitates easy access to financial services, allowing customers to manage their accounts conveniently. Nordax Bank's growth and reputation stem from its dedication to delivering reliable banking solutions while maintaining a strong emphasis on customer satisfaction and financial stability in the dynamic European market.

Nordax Bank AB publ

In accordance with EU Directive 2014/49/EU, deposits with this Bank, inclusive of accrued interest not yet credited, are guaranteed by the Swedish statutory deposit guarantee scheme up to (the equivalent in euros of) SEK 1,050,000 per account holder, per bank. This amount also includes possible deposits and/or savings accounts ordered outside Raisin Bank. This protection covers the deposits of all natural persons, not only Swedish citizens.   In the event of an intervention by the Swedish DGS, the payment shall be made in Euros to your Raisin Account, within 7 business days from the time the DGS comes into effect. In this case, the exchange rate applied will be the one valid at the time of the bank’s administrative settlement process and is thus subject to currency fluctuations.   The administrator and executor of the deposit guarantee scheme is Riksgälden. For more information please visit https://www.riksgalden.se/en/)

Swedish Deposit Protection Fund

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<h4><strong>Easy</strong></h4><p><span style="font-size: 12pt;">A single login provides access to over 100 savings accounts from 21 banks across Europe. With no fees, saving with Raisin is online and hassle-free.</span></p>

<h4><strong></strong><span><strong>Flexible</strong></span></h4><p><span style="color: rgb(64, 64, 64);font-size: 13pt;">Whether you want to lock your money away at a fixed rate, or have easy access to your savings whenever you need them, we have savings accounts to suit you.</span></p><p></p>

<h4><strong>Secure</strong></h4><p><span style="color: rgb(64, 64, 64);font-size: 13pt;">All of our savings accounts are secured by European Deposit Guarantee Schemes, allowing you to choose between competitive interest rates with peace of mind.</span></p>

Why save with Raisin Bank?

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<h4><span><strong></strong></span><strong>Sign up for free</strong></h4><p>First, register for your free Raisin Account, and verify your identity and address through online banking.</p><p></p>

<h4><strong>Pick your product</strong></h4><p>Choose a savings account, decide the amount you wish to deposit, and submit your application.</p>

<h4><strong></strong><span><strong>Start saving</strong></span></h4><p>Then, securely transfer your deposit to your Raisin Account, and we’ll take care of the rest!</p><p></p>

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Deposits and disposal of partial amounts are not possible. Only the entire investment amount can be canceled.

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Global diversifiziertes Portfolio mit 5 ETFs und 1 Indexfonds inkl. jährlichem Rebalancing und Wiederanlage von Ausschüttungen

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Vanguard FTSE Emerging Markets UCITS ETF

Vanguard Global Small-Cap Index Fund

Vanguard FTSE Developed Europe UCITS ETF

Vanguard FTSE Japan UCITS ETF

Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF

Vanguard FTSE North America UCITS ETF

Global diversifiziertes Portfolio mit 6 ETFs und 1 Indexfonds inkl. jährlichem Rebalancing und Wiederanlage von Ausschüttungen

Vanguard Global Aggregate Bond UCITS ETF

Vanguard Global Bond Index Fund EUR

Grow your money with Raisin Bank and access zero-fee savings accounts at attractive interest rates from hand-picked banks outside of Ireland.

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3.25%

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Most popular guides and articles

Guide to pensions

Guide to taxes

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Guide to pensions

Guide to taxes

What is AER, and how does it work?