Register with Raisin Bank by 21st April and open a savings account, and you could receive a bonus of up to €200.

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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

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

HoistSparen is part of Hoist Finance AB (publ), a credit market company supervised by the Swedish FSA. HoistSparen offers savings accounts with attractive terms and conditions to private customers in selected European markets. 

Hoist Finance is an asset manager specialised in debt restructuring, set to become the leading NPL asset manager of secured and unsecured consumer- and SME loans in Europe. Hoist Finance was founded in Sweden in 1994 and is today present in 11 European markets. The HOFI-share is listed on Nasdaq Stockholm. For more information, please visit hoistfinance.com.

HoistSparen

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

Norway, a thriving Nordic economy, stands out for its robust oil and gas sector, advanced technology, and sustainable practices. Politically stable, it prioritizes social welfare and actively participates in global environmental initiatives. Socially, Norway values egalitarianism, emphasizing education and quality of life. With a strong focus on renewable energy, the nation fosters a conducive environment for green investments and technological innovation. Its transparent governance, coupled with prudent fiscal policies, positions Norway as an attractive hub for responsible investment.

Norway

Today's Morrow Bank is a modern and digital niche bank based in Lysaker, Norway. It was founded in 2014 under the name Komplett Bank and was listed on the main index of the Oslo Stock Exchange in 2017. 
 
Operational efficiency and low costs are the foundations for the bank and are enabled by centralized operations, modern systems and a digital setup. Morrow Bank's offerings include consumer loans, credit cards and purchase financing for consumers in Norway, Sweden and Finland. In addition, Morrow Bank systematically tackles financial crime, promotes equality and diversity, and helps its customers take responsibility for their own financial situation.

Morrow Bank ASA

Deposits with Morrow Bank, including interest, are legally protected by the Norweigan Deposit Guarantee Fund up to an amount of EUR 100,000 for customers outside Norway. This amount also includes possible deposits and/or savings accounts held outside Raisin Bank. This protection covers the deposits of all natural persons, not only Norweigan citizens. In the event of an intervention by the Norweigan DGS, the payment shall be made in Euro to your Raisin Bank Account.  In this case, the exchange rate applied will be the one valid at the time of the bank's administrative settlement process.  Within the European Union, the minimum requirements for these guarantee funds, for each member state, have been harmonised by EU Directive 2014/49/EU.

The Norwegian Banks' Guarantee Fund

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

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<h4>Easy</h4>A single login provides access to over 100 savings accounts from more than 25 banks across Europe. With no fees, saving with Raisin Bank is online and hassle-free.

<h4>Flexible</h4>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.

<h4>Secure</h4>All of our savings accounts are secured by European Deposit Guarantee Schemes, allowing you to choose between competitive interest rates with peace of mind.

Why save with Raisin Bank?

"Best Savings Provider" 2025

Member of the Contact Centre Management Association (CCMA)

Raisin.ie in <a href="https://www.independent.ie/business/savings-platform-raisin-eyes-up-a-bigger-stake-in-irish-market/a464451115.html" target="_blank">the media</a>

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

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

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

How does it work?

Download the Raisin Bank app to manage your savings anytime, anywhere.

Download the Raisin Bank app and manage your savings wherever you are

Our comprehensive guides cover everything from early retirement to the different types of pensions available in Ireland. 

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What are the tax implications when saving outside of Ireland? Check out our tax guides for more information.

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Investment jargon explained in simple terms.

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Save your way with Raisin Bank. One account, no fees, more than 25 European banks.

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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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2.80%

AER

2.75%

AER

2.60%

AER

2.30%

AER

Why save with Raisin Bank?

Easy

Flexible

Secure

How does it work?

Sign up for free

Pick your product

Start saving

Download the Raisin Bank app to manage your savings anytime, anywhere.

Most popular guides and articles

Guide to pensions

Guide to taxes

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Guide to pensions

Guide to taxes

Guide to investments