6 months
1.4% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
Volksbank Raiffeisenbank Regensburg-Schwandorf Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Volksbank Raiffeisenbank Regensburg-Schwandorf.
- The return on the Volksbank Raiffeisenbank Regensburg-Schwandorf fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.1% annually for a duration of 12 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 Volksbank Raiffeisenbank Regensburg-Schwandorf.
How much interest does the Volksbank Raiffeisenbank Regensburg-Schwandorf Festgeld - raisin pay?
Volksbank Raiffeisenbank Regensburg-Schwandorf offers the fixed-term deposit “Festgeld - raisin” in 8 different terms, with annual percentage yields ranging from 1.40% to 2.10%. 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 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 Volksbank Raiffeisenbank Regensburg-Schwandorf Volksbank Raiffeisenbank Regensburg-Schwandorf fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
9 months
1.4% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
12 months
2.1% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
18 months
1.5% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
24 months
1.5% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
36 months
1.5% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
48 months
1.5% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
60 months
1.5% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
Who is behind Volksbank Raiffeisenbank Regensburg-Schwandorf?
Volksbank Raiffeisenbank Regensburg-Schwandorf eG is a cooperative bank headquartered in Regensburg, Bavaria. Founded in 1869, the bank serves both business and private customers.
Volksbank Raiffeisenbank Regensburg-Schwandorf eG offers its solutions both in person and online. These include, among other things, lending, insurance, securities brokerage, start-up financing, succession planning, and real estate financing and brokerage.
How safe is my money with Volksbank Raiffeisenbank Regensburg-Schwandorf?
Volksbank Raiffeisenbank Regensburg-Schwandorf deposits are covered by a two-tier system: The statutory deposit protection of up to 100,000 euros per customer. Clients benefit from Germany's fiscal strength, underscored by the highest available sovereign credit rating, AAA.
Additionally, Volksbank Raiffeisenbank Regensburg-Schwandorf adheres to the voluntary protection scheme of the National Association of German Cooperative Banks (BVR), in particular the BVR Institutssicherung GmbH. It practically protects unlimited deposits by providing mutual support among institutions. This system provides comprehensive protection that exceeds the statutory limit.
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 Volksbank Raiffeisenbank Regensburg-Schwandorf 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 Volksbank Raiffeisenbank Regensburg-Schwandorf ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Volksbank Raiffeisenbank Regensburg-Schwandorf “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Volksbank Raiffeisenbank Regensburg-Schwandorf 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 Volksbank Raiffeisenbank Regensburg-Schwandorf'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 Volksbank Raiffeisenbank Regensburg-Schwandorf. The desired amount will automatically be transferred from your Raisin reference account to Volksbank Raiffeisenbank Regensburg-Schwandorf.
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).
Some of the links are promotional links. You help to keep this site running, as I gain a small commission for each purchase. It does not come at any cost to you.
