12 months
2.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Urbo Bankas Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Urbo Bankas.
- The return on the Urbo Bankas fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.5% annually for a duration of 12 months.
- Savings are protected under the national deposit insurance scheme of Lithuania.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Urbo Bankas.
How much interest does the Urbo Bankas Festgeld - raisin pay?
Urbo Bankas offers the fixed-term deposit “Festgeld - raisin” in 5 different terms, with annual percentage yields ranging from 1.80% to 2.50%. The highest interest is paid for the 12-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by J&T Direktbank (3.5% for 120 months) and Raiffeisenbank Wittelsbacher Land (3.33% for 6 months).
You can find an overview of all conditions for the Urbo Bankas Urbo Bankas fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
24 months
1.9% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
1.9% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
48 months
1.9% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
60 months
1.8% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind Urbo Bankas?
Founded in Lithuania in 1992 and headquartered in Vilnius, Urbo Bankas UAB operates primarily in its home market, Lithuania. Originally named Medicinos bankas, the bank was one of the first in Lithuania to offer online banking services.
How safe is my money with Urbo Bankas?
Deposits at Urbo Bankas are protected under the Lithuanian statutory deposit guarantee scheme (Deposit and Investment Insurance). This guarantees deposits of up to 100,000 euros per depositor and per bank, in accordance with EU law. Lithuania’s sovereign credit environment is A.
See all fixed-term deposits
Check our complete list of time money and easily calculate your possible return.
Best interest rates for Festgeld in Germany in April 2026
How can I manage the Festgeld - raisin account?
Your Urbo Bankas 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 Urbo Bankas ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Urbo Bankas “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Urbo Bankas 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 Urbo Bankas'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 Urbo Bankas. The desired amount will automatically be transferred from your Raisin reference account to Urbo Bankas.
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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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