EP Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by EP Bank.
- The return on the EP Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is % annually for a duration of 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 EP Bank.
How much interest does the EP Bank Festgeld - raisin pay?
EP Bank offers the fixed-term deposit “Festgeld - raisin”
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 EP Bank EP Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
Who is behind EP Bank?
EP Bank, formerly known as Erik Penser Bank, was founded in 1994 by Erik Penser under the name Erik Penser Fondkommission. The bank received its banking license in 2008.
Since then, EP Bank has offered a wide range of personalized financial products and services for private and corporate clients. Services include real estate financing, working capital and acquisition financing, loan and financing partnerships, and savings accounts tailored to clients' individual needs.
How safe is my money with EP Bank?
Deposits at EP Bank 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.
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 EP 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 EP 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 EP Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with EP 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 EP 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 EP Bank. The desired amount will automatically be transferred from your Raisin reference account to EP 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).
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.
