6 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Südtiroler Sparkasse Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Südtiroler Sparkasse.
- The return on the Südtiroler Sparkasse fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.1% annually for a duration of 96 months.
- Savings are protected under the national deposit insurance scheme of Italy.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Südtiroler Sparkasse.
How much interest does the Südtiroler Sparkasse Festgeld - raisin pay?
Südtiroler Sparkasse offers the fixed-term deposit “Festgeld - raisin” in 12 different terms, with annual percentage yields ranging from 2.02% to 2.10%. The highest interest is paid for the 120-month fixed-term deposit.
You can find an overview of all conditions for the Südtiroler Sparkasse fixed-term deposits below:
Term
Interest rate
Deposit amount
9 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
12 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
18 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
48 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
60 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
72 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
84 months
2.02% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind Südtiroler Sparkasse?
The South Tyrolean Savings Bank (Südtiroler Sparkasse) is the largest credit institution in the province of South Tyrol, Italy. Founded in 1854, it is an independent bank with headquarters in Bozen. The bank operates more than 100 branches, primarily in South Tyrol, as well as in the neighboring province of Trentino and the northeastern province of Veneto. However, it also maintains branches and advisory hubs in key economic hubs of northern Italy and in Munich, Germany.
Südtiroler Sparkasse focuses on providing financing solutions for private customers, small and medium-sized enterprises (SMEs), and public administration. In addition, the bank offers corporate finance solutions, asset management, and insurance products.
How safe is my money with Südtiroler Sparkasse?
Savings deposited with Südtiroler Sparkasse are protected under the Italian deposit guarantee scheme, known as the Fondo Interbancario di Tutela dei Depositi. This scheme secures deposits up to 100,000 euros per customer in accordance with EU regulations. Italy holds an investment-grade sovereign credit rating of BBB+, indicating stable risk levels.
How can I manage the Festgeld - raisin account?
Your Südtiroler Sparkasse 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 Südtiroler Sparkasse ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Südtiroler Sparkasse “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Südtiroler Sparkasse 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 Südtiroler Sparkasse'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 Südtiroler Sparkasse. The desired amount will automatically be transferred from your Raisin reference account to Südtiroler Sparkasse.
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