6 months
2.3% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
coop Pank Fixed-Term Deposit: Flexgeld - raisin Review 2026
In a nutshell:
- The “Flexgeld - raisin” is a fixed-term deposit offered by coop Pank.
- The return on the coop Pank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.3% annually for a duration of 6 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 coop Pank.
How much interest does the coop Pank Flexgeld - raisin pay?
coop Pank offers the fixed-term deposit “Flexgeld - raisin” in 5 different terms, with annual percentage yields ranging from 1.75% to 2.30%. The highest interest is paid for the 6-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 coop Pank coop Pank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
9 months
2.16% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
12 months
2.16% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
1.75% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind coop Pank?
Coop Pank, headquartered in Tallinn, is listed on the Estonian Stock Exchange. It is the only bank in Estonia owned by consumer cooperatives and their customers. The bank was founded in 2017 and operates primarily in its home market. In addition to its headquarters, it maintains 12 other branches.
Coop Pank’s primary focus in retail banking is consumer and mortgage loans. In the commercial banking sector, the bank has also specialized in business loans and leasing agreements.
How safe is my money with coop Pank?
Deposits at coop Pank are secured by the Estonian national deposit insurance scheme. So-called "Tagatisfond" protects up to 100,000 euros per depositor and complies with EU regulations. Estonia has a strong sovereign credit rating of A+, reflecting the country's creditworthiness and stable political environment.
See all Festgeld options
Check our complete list of time money and easily calculate your possible return.
How can I manage the Flexgeld - raisin account?
Your coop Pank 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 coop Pank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the coop Pank “Flexgeld - raisin“?
Opening the "Flexgeld - raisin" fixed-term deposit with coop Pank 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 coop Pank'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 coop Pank. The desired amount will automatically be transferred from your Raisin reference account to coop Pank.
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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