12 months
2.5% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
Banco Finantia Spain Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Banco Finantia Spain.
- The return on the Banco Finantia Spain fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.5% 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 Finantia Spain.
How much interest does the Banco Finantia Spain Festgeld - raisin pay?
Banco Finantia Spain offers the fixed-term deposit “Festgeld - raisin” with an annual percentage yield of 2.50% and a term of 12 months.
In comparison, the top Festgeld high-yield savings accounts are currently offered by J&T Direktbank (3.5% for 120 months) and Raiffeisenbank Wittelsbacher Land (3.33% for 6 months).
You can find an overview of all conditions for the Banco Finantia Spain Banco Finantia Spain fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
Who is behind Banco Finantia Spain?
The Spanish subsidiary, Banco Finantia, S.A., is part of the private Portuguese Finantia Group and is headquartered in Madrid.
The Finantia banking was founded in Lisbon in 1992 and operates across the Iberian Peninsula, in Latin America, and in the financial markets of Turkey, Russia, and the Commonwealth of Independent States. The financial institution has brokerage firms in London, New York, Miami, and São Paulo.
In Spain, the bank focuses specifically on consumer finance and financial services for private individuals.
How safe is my money with Banco Finantia Spain?
Deposits with Banco Finantia are protected under the Portuguese statutory deposit guarantee scheme (Fundo de Garantia de Depósitos), which safeguards eligible deposits up to 100,000 euros per depositor and institution in line with EU law. Portugal’s sovereign credit rating is generally investment-grade (A+), indicating a stable regulatory environment for banking customers.
See all fixed-term deposits
Check our complete list of time money and easily calculate your possible return.
Best interest rates for Festgeld in Germany in April 2026
How can I manage the Festgeld - raisin account?
Your Banco Finantia Spain 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 Finantia Spain ’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 Finantia Spain “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Banco Finantia Spain 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 Finantia Spain'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 Finantia Spain. The desired amount will automatically be transferred from your Raisin reference account to Banco Finantia Spain.
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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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