3 months
1.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Haitong Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Haitong Bank.
- The return on the Haitong Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 1.65% annually for a duration of 24 months.
- Savings are protected under the national deposit insurance scheme of Portugal.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Haitong Bank.
How much interest does the Haitong Bank Festgeld - raisin pay?
Haitong Bank offers the fixed-term deposit “Festgeld - raisin” in 7 different terms, with annual percentage yields ranging from 1.50% to 1.65%. The highest interest is paid for the 36-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Raiffeisenbank Wittelsbacher Land (3.33% for 6 months) and Rediem Capital AB (3.25% for 120 months).
You can find an overview of all conditions for the Haitong Bank Haitong Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
1.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
9 months
1.55% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
12 months
1.55% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
18 months
1.6% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
1.65% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
1.65% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind Haitong Bank?
Haitong International is an international financial institution with an established presence in Hong Kong and a rapidly expanding global network. It strives to serve as a bridge linking the Chinese and overseas capital markets.
The Portuguese branch for Europe, Haitong Bank S.A., was founded in Lisbon in 1983. It also maintains a subsidiary in Madrid, Spain, which also offers savings accounts. The main focus of the Spanish business activities is on investment banking products and services for corporate and institutional clients.
How safe is my money with Haitong Bank?
Deposits with Haitong Bank S.A. are protected under the Portuguese statutory deposit guarantee scheme (Fundo de Garantia de Depósitos). It protects eligible deposits up to 100,000 euros per depositor and institution in line with EU law. Portugal’s sovereign credit rating is generally investment-grade (A+).
See all Festgeld options
Check our complete list of time money and easily calculate your possible return.
How can I manage the Festgeld - raisin account?
Your Haitong Bank 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 Haitong Bank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Haitong Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Haitong Bank 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 Haitong Bank'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 Haitong Bank. The desired amount will automatically be transferred from your Raisin reference account to Haitong Bank.
About the Author
Disclaimer: This blog and providing support are my passion and hobby. However, I do not intend to provide financial advice. All investments involve risks of loss. This post is non-binding, for informational purposes only, and does not represent a complete market overview. I do not take responsibility for the accuracy and up-to-dateness of the data (§18 ZKG).
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