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Münchener Hypothekenbank Fixed-Term Deposit: Festgeld - raisin Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits Münchener Hypothekenbank Festgeld – raisin

Christian

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In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by Münchener Hypothekenbank.
  • The return on the Münchener Hypothekenbank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.31% 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 Münchener Hypothekenbank.

How much interest does the Münchener Hypothekenbank Festgeld - raisin pay?

Münchener Hypothekenbank offers the fixed-term deposit “Festgeld - raisin” in 4 different terms, with annual percentage yields ranging from 2.00% to 2.31%. The highest interest is paid for the 24-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 Münchener Hypothekenbank Münchener Hypothekenbank fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

Who is behind Münchener Hypothekenbank?

Münchener Hypothekenbank eG is an independent, international real estate bank founded in 1896. As a member of the Genossenschaftliche FinanzGruppe, it is a partner of the German cooperative banks "Volksbanken and Raiffeisenbanken".

In addition to its headquarters in Munich, Münchener Hypothekenbank eG has offices in Cologne, Frankfurt, Hamburg, and Berlin. The bank’s core business is the long-term financing of residential and commercial real estate for private and business customers.

How safe is my money with Münchener Hypothekenbank?

Münchener Hypothekenbank eG deposits are secured through a two-tier system: The statutory deposit protection of up to 100,000 euros per customer and institution. Münchener Hypothekenbank eG clients benefit from Germany's fiscal strength and the top sovereign credit rating, AAA.

Additionally, as part of the protection scheme for cooperative banks, Münchener Hypothekenbank eG adheres to their voluntary protection scheme BVR Institutssicherung GmbH. It practically protects unlimited deposits by providing mutual support among institutions.

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

How can I open the Münchener Hypothekenbank “Festgeld - raisin“?

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

Click here to get your Münchener Hypothekenbank 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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