Instabank Flexible Savings Account: Tagesgeld - raisin Review 2026
In a nutshell:
- The “Tagesgeld - raisin” is a flexible savings account offered by Instabank.
- It pays a top interest rate of 1.84% annually.
- Savings are protected under the national deposit insurance scheme of Norway.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by Instabank.
Instabank
Tagesgeld - raisin
1.84%
annual percentage yield
How much interest does the Instabank Tagesgeld - raisin pay?
Instabank offers the flexible savings account "Tagesgeld - raisin" with quarterly interest payouts. The regular interest rate is 1.84%. You must maintain a balance of at least 100 euros and at most 100,000 euros.
Who is behind Instabank?
Instabank is a Norwegian digital bank specializing in savings products, insurance, and consumer finance solutions. Founded in 2016 and headquartered in Oslo, the bank emphasizes the Scandinavian and German markets.
How safe is my money with Instabank?
Instabank deposits are covered by Norway's national deposit guarantee scheme in line with EU regulations. Funds of up to 100,000 euros per depositor per bank are protected. As one of the most stable and affluent countries globally, Sweden holds a strong sovereign credit rating (AAA). This also reflects its stable economy and well-regulated banking sector.
How can I manage the Tagesgeld - raisin account?
Your Instabank flexible savings account is managed entirely through the Raisin online platform. You can view balances, initiate transfers, and download documents via the Raisin web interface or the Raisin mobile app for iOS and Android.
The web interface and applications are available in German, English, Finnish, French, Dutch, Polish, and Spanish. Customer service is provided in local languages via secure messaging in the online banking and by phone. Since the account is operated through Raisin, you are not dependent on Instabank ’s own systems or require additional apps or credentials for any administrative steps related to the flexible savings account.
How can I open the Instabank Tagesgeld - raisin?
Opening the "Tagesgeld - raisin" flexible savings account with Instabank is done fully online via the interest marketplace Raisin.
Raisin is based in Berlin, Germany. Using the marketplace, you only need to register once and can then open several savings options, such as a Instabank's flexible savings account, across Europe and the globe within minutes. The Raisin platform is available to adults residing in Germany, Austria, France, Ireland, the Netherlands, Poland, Spain, the United Kingdom, and the United States. However, product offerings may vary by country.
You require a valid ID or passport to complete the identification procedure. In Germany, it can either be performed online via VideoIdent or in person at a post office branch (PostIdent). Once complete, you will get a reference account with Frankfurt-based Raisin Bank to which you shall connect your personal German current account. Afterwards, you can open the flexible savings account with Instabank. The desired amount will automatically be transferred from your Raisin reference account to Instabank.
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