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Aros Kapital Fixed-Term Deposit: Festgeld - raisin Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits Aros Kapital Festgeld – raisin

Christian

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In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by Aros Kapital.
  • The return on the Aros Kapital fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.35% annually for a duration of 9 months.
  • Savings are protected under the national deposit insurance scheme of Sweden.

Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Aros Kapital.

How much interest does the Aros Kapital Festgeld - raisin pay?

Aros Kapital offers the fixed-term deposit “Festgeld - raisin” in 4 different terms, with annual percentage yields ranging from 2.00% to 2.35%. The highest interest is paid for the 9-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 Aros Kapital Aros Kapital fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

Who is behind Aros Kapital?

Aros Kapital was founded in the Swedish city of Gothenburg in 2004. It is an independent credit market company that specializes in corporate financing. Aros Kapital offers various financing solutions in the areas of receivables processing, credit management, corporate loans, and debt collection. Aros Kapital does not focus on a specific industry but works with all interested small and medium-sized enterprises that have financing needs to continue growing successfully.

How safe is my money with Aros Kapital?

Deposits at Aros Kapital are protected under Sweden’s statutory deposit guarantee scheme, administered by the Swedish National Debt Office (Riksgälden), which covers up to 1,150,000 Swedish Crowns (roughly 100,000 euros, depending on the exchange rate) per depositor and bank. Sweden has the top sovereign credit rating (AAA), reflecting a stable and secure banking environment.

Aros Kapital Festgeld – raisin

See all Festgeld options

Check our complete list of time money and easily calculate your possible return.

Compare fixed-term deposits in Germany here

How can I manage the Festgeld - raisin account?

Your Aros Kapital 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 Aros Kapital ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.

How can I open the Aros Kapital “Festgeld - raisin“?

Opening the "Festgeld - raisin" fixed-term deposit with Aros Kapital 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 Aros Kapital'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 Aros Kapital. The desired amount will automatically be transferred from your Raisin reference account to Aros Kapital.

Click here to get your Aros Kapital flexible savings account!

About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

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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