BTG Pactual Europe Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by BTG Pactual Europe.
- The return on the BTG Pactual Europe 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 Luxembourg.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by BTG Pactual Europe.
How much interest does the BTG Pactual Europe Festgeld - raisin pay?
BTG Pactual Europe 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 BTG Pactual Europe BTG Pactual Europe fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
Who is behind BTG Pactual Europe?
BTG Pactual Group is Latin America’s largest investment bank, founded in 1983. It offers specialized services across wealth management, asset management, investment banking, corporate lending, and sales & trading.
BTG Pactual currently employs over 7,000 people in offices in Brazil, the United States, Luxembourg, the United Kingdom, Portugal, Spain, Mexico, Colombia, Chile, Peru, and Argentina. The European subsidiary BTG Pactual Europe is a credit institution headquartered and regulated in Luxembourg.
How safe is my money with BTG Pactual Europe?
Deposits held with BTG Pactual Europe are protected under the Luxembourg deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg — FGDL), which covers eligible deposits up to 100,000 euros per depositor and bank in accordance with EU law. Luxembourg has a very strong sovereign credit rating (AAA), supporting confidence in the country’s financial stability and deposit protection framework.
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 BTG Pactual Europe 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 BTG Pactual Europe ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the BTG Pactual Europe “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with BTG Pactual Europe 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 BTG Pactual Europe'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 BTG Pactual Europe. The desired amount will automatically be transferred from your Raisin reference account to BTG Pactual Europe.
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