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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

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

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

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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?

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Member of the Contact Centre Management Association (CCMA)

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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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2.75%

AER

2.60%

AER

2.56%

AER

2.30%

AER

Why save with Raisin Bank?

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

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