3 months
2.2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Addiko Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Addiko Bank.
- The return on the Addiko Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.2% annually for a duration of 3 months.
- Savings are protected under the national deposit insurance scheme of Austria.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Addiko Bank.
How much interest does the Addiko Bank Festgeld - raisin pay?
Addiko Bank offers the fixed-term deposit “Festgeld - raisin” in 7 different terms, with annual percentage yields ranging from 1.63% to 2.20%. The highest interest is paid for the 3-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 Addiko Bank Addiko Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
1.77% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
12 months
1.63% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
24 months
1.78% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
36 months
1.78% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
48 months
1.78% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
1.78% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind Addiko Bank?
Addiko Bank has operated under its current name since July 2016, but its history dates back to 1996, when it was spun off from Hypo-Alpe-Adria. The bank is headquartered in Vienna, Austria, and directly supervised by the European Central Bank.
Addiko specializes in consumers and SMEs. The bank's main focus is on expanding its consumer and SME lending business and payment transactions.
How safe is my money with Addiko Bank?
Addiko Bank follows the regulation of the Austrian deposit protection scheme AUSTRIA Ges.m.b.H. Deposits held are protected up to a current equivalent value of 100,000 euros. Austria’s credit rating is AA+.
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 Addiko 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 Addiko 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 Addiko Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Addiko 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 Addiko 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 Addiko Bank. The desired amount will automatically be transferred from your Raisin reference account to Addiko 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).
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