6 months
2% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
Inbank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Inbank.
- The return on the Inbank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.56% annually for a duration of 60 months.
- Savings are protected under the national deposit insurance scheme of Estonia.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Inbank.
How much interest does the Inbank Festgeld - raisin pay?
Inbank offers the fixed-term deposit “Festgeld - raisin” in 6 different terms, with annual percentage yields ranging from 2.00% to 2.56%. The highest interest is paid for the 60-month fixed-term deposit.
You can find an overview of all conditions for the Inbank fixed-term deposits below:
Term
Interest rate
Deposit amount
12 months
2.32% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
24 months
2.52% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
36 months
2.52% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
48 months
2.54% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
60 months
2.56% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
Who is behind Inbank?
Inbank is based in Tallinn, Estonia, and has branches in Latvia and Poland. Since obtaining its own banking license in 2015, Inbank has become Estonia's youngest and fastest-growing financial institution. The institution originally emerged from the financial technology company Cofi AS, market leader for installment payment agreements in Estonia.
How safe is my money with Inbank?
Deposits with Inbank are covered by the Estonian national deposit insurance scheme "Tagatisfond". It protects up to 100,000 euros per depositor and follows EU law. Estonia holds an advanced sovereign credit rating of A+, which reflects the state's creditworthiness and stable political environment.
How can I manage the Festgeld - raisin account?
Your Inbank fixed-term deposit 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 Inbank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Inbank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Inbank 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 Inbank's fixed-term deposit, 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 fixed-term deposit with Inbank. The desired amount will automatically be transferred from your Raisin reference account to Inbank.
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