3 months
2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Banco BAI Europa Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Banco BAI Europa.
- The return on the Banco BAI Europa fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% annually for a duration of 12 months.
- Savings are protected under the national deposit insurance scheme of Portugal.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Banco BAI Europa.
How much interest does the Banco BAI Europa Festgeld - raisin pay?
Banco BAI Europa offers the fixed-term deposit “Festgeld - raisin” in 6 different terms, with annual percentage yields ranging from 0.50% to 2.00%. 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 Banco BAI Europa Banco BAI Europa fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
12 months
2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
0.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
0.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
60 months
0.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind Banco BAI Europa?
Banco Angolano de Investimentos (BAI) was founded on November 13, 1996, in Luanda as Angola’s first private bank. It is the Angolan bank with the highest level of savings deposits and operates internationally.
Banco BAI Europa is an independent subsidiary incorporated under Portuguese law, supervised by the Portuguese Central Bank and the European Union. The bank is headquartered in Lisbon.
In its day-to-day operations, Banco BAI Europa focuses on banking products and services for private and business customers, such as deposit and credit accounts. The bank also offers solutions to support small and medium-sized enterprises (SMEs).
How safe is my money with Banco BAI Europa?
Deposits with Banco BAI Europa are protected under the Portuguese statutory deposit guarantee scheme (Fundo de Garantia de Depósitos), protecting deposits up to 100,000 euros per depositor and institution. It is in line with EU law. Portugal’s sovereign credit rating is generally investment-grade (A+).
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 Banco BAI Europa 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 Banco BAI Europa ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Banco BAI Europa “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Banco BAI Europa 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 Banco BAI Europa'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 Banco BAI Europa. The desired amount will automatically be transferred from your Raisin reference account to Banco BAI Europa.
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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