12 months
2.2% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Banque BCP Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Banque BCP.
- The return on the Banque BCP fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.4% annually for a duration of 24 months.
- Savings are protected under the national deposit insurance scheme of France.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Banque BCP.
How much interest does the Banque BCP Festgeld - raisin pay?
Banque BCP offers the fixed-term deposit “Festgeld - raisin” in 2 different terms, with annual percentage yields ranging from 2.20% to 2.40%. The highest interest is paid for the 24-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 Banque BCP Banque BCP fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
24 months
2.4% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind Banque BCP?
Banque BCP S.A.S. is a French retail bank. A part of France’s second-largest cooperative banking group, Groupe BPCE, the bank’s capital is divided among three parties: Caisse d’Epargne Ile-de-France (79.8%), Millennium bcp (Portugal’s leading retail bank) (19.7%), and the bank’s employees (0.5%).
BCP S.A.S. focuses on providing long-term support for the projects of its private and business clients in France and Portugal. In addition, the bank offers its expertise in real estate and asset management, as well as in the transfer of international assets. Through the latest digital innovations, the bank makes online banking easier for its customers.
How safe is my money with Banque BCP?
Deposits held with Banque BCP are protected under the French statutory deposit guarantee scheme (Fonds de Garantie des Dépôts et de Résolution – FGDR), which secures eligible deposits up to 100,000 euros per person and institution. France generally maintains an investment‑grade sovereign credit rating (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 Banque BCP 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 Banque BCP ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Banque BCP “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Banque BCP 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 Banque BCP'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 Banque BCP. The desired amount will automatically be transferred from your Raisin reference account to Banque BCP.
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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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