12 months
2.1% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Banca Sistema Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Banca Sistema.
- The return on the Banca Sistema fixed-term deposit is dependent on the duration of the deposit. The highest interest is 3% annually for a duration of 120 months.
- Savings are protected under the national deposit insurance scheme of Italy.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Banca Sistema.
How much interest does the Banca Sistema Festgeld - raisin pay?
Banca Sistema offers the fixed-term deposit “Festgeld - raisin” in 6 different terms, with annual percentage yields ranging from 2.10% to 3.00%. The highest interest is paid for the 120-month fixed-term deposit.
You can find an overview of all conditions for the Banca Sistema fixed-term deposits below:
Term
Interest rate
Deposit amount
24 months
2.4% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
36 months
2.55% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
48 months
2.6% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
2.65% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
120 months
3% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind Banca Sistema?
Banca Sistema is an Italian financial institution founded in Milan in 2011. Banca Sistema now also has offices in Rome and London. In June 2015, it was listed on the Star Segment of the Borsa Italiana stock exchange.
Banca Sistema's services include the purchase of trade receivables from Italian public administrations and tax receivables. To private individuals, they offer savings solutions.
How safe is my money with Banca Sistema?
Savings deposited with Banca Sistema are protected under the Italian deposit guarantee scheme (Fondo Interbancario di Tutela dei Depositi), which secures up to 100,000 euros per customer in accordance with EU regulations. Italy carries an investment-grade sovereign credit rating of BBB+, indicating stable risk levels.
How can I manage the Festgeld - raisin account?
Your Banca Sistema 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 Banca Sistema ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Banca Sistema “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Banca Sistema 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 Banca Sistema'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 Banca Sistema. The desired amount will automatically be transferred from your Raisin reference account to Banca Sistema.
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