6 months
1.75% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
KT Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by KT Bank.
- The return on the KT Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.25% annually for a duration of 24 months.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by KT Bank.
How much interest does the KT Bank Festgeld - raisin pay?
KT Bank offers the fixed-term deposit “Festgeld - raisin” in 6 different terms, with annual percentage yields ranging from 1.75% to 2.25%. The highest interest is paid for the 60-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 KT Bank KT Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
12 months
2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
2.25% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
2.15% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
48 months
2.2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
60 months
2.25% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind KT Bank?
Starting operations in 2015 and headquartered in Frankfurt am Main, KT Bank AG is a wholly owned subsidiary of Kuveyt Türk Investment Bank in Istanbul. Kuveyt Türk Investment Bank has been in business since 1989 and is Turkey's leading investment bank, with over 390 branches.
KT Bank AG offers products and services in accordance with the principles of Islamic banking. The bank invests in tangible assets and maintains a negative list of industries in which it does not invest, including tobacco, arms, alcohol, and pornography sectors.
How safe is my money with KT Bank?
KT Bank follows the EU deposit-guarantee rules. Deposits with KT Bank are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution. Germany’s sovereign credit rating is AAA.
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Check our complete list of time money and easily calculate your possible return.
How can I manage the Festgeld - raisin account?
Your KT 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 KT 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 KT Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with KT 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 KT 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 KT Bank. The desired amount will automatically be transferred from your Raisin reference account to KT 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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