3 months
1.6% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Alisa Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Alisa Bank.
- The return on the Alisa Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.2% annually for a duration of 48 months.
- Savings are protected under the national deposit insurance scheme of Finland.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Alisa Bank.
How much interest does the Alisa Bank Festgeld - raisin pay?
Alisa Bank offers the fixed-term deposit “Festgeld - raisin” in 9 different terms, with annual percentage yields ranging from 1.60% to 2.20%. The highest interest is paid for the 60-month fixed-term deposit.
You can find an overview of all conditions for the Alisa Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
6 months
1.6% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
9 months
1.6% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
12 months
1.8% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
18 months
1.8% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
24 months
2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
36 months
2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
48 months
2.2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
2.2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind Alisa Bank?
Alisa Bank Plc is a digital bank based in Helsinki, Finland. Today's company resulted from the merger of Evli Bank Plc and Fellow Finance Plc in 2022. Alisa Bank Plc is publicly listed on the Nasdaq Helsinki. Finland's Financial Supervisory Authority regulates it.
Alisa Bank Plc's core business is providing loans, especially to individuals and small to medium-sized enterprises (SMEs), and helping them manage their daily finances.
How safe is my money with Alisa Bank?
The Finnish national deposit insurance scheme covers deposits with Alisa Bank. In accordance with EU law, it protects up to 100,000 euros per depositor. Malta holds a strong sovereign credit rating of AA+, reflecting its strong economic and fiscal environment.
How can I manage the Festgeld - raisin account?
Your Alisa 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 Alisa 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 Alisa Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Alisa 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 Alisa 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 Alisa Bank. The desired amount will automatically be transferred from your Raisin reference account to Alisa 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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