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BN Bank Fixed-Term Deposit: Festgeld - raisin Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits BN Bank Festgeld – raisin

Christian

Last updated on

In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by BN Bank.
  • The return on the BN Bank 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 Norway.

Find all the details and rates below in our frequently asked questions on the fixed-term deposit by BN Bank.

How much interest does the BN Bank Festgeld - raisin pay?

BN Bank offers the fixed-term deposit “Festgeld - raisin” with an annual percentage yield of 2.00% and a term of 12 months.

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 BN Bank BN Bank fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

Who is behind BN Bank?

Founded in 1961, BN Bank derives its name from Bolig- og Næringsbanken (Housing and Commercial Bank). As part of the SpareBank 1 Group, BN Bank has its headquarters in Trondheim and an additional branch in Oslo, from which it manages its operations nationwide. SpareBank 1 is the largest association of Norwegian savings banks, with over 300 branches throughout the country.

BN Bank is a Norwegian direct bank that offers services to retail customers as well as small and medium-sized enterprises (SMEs). It specializes in products for everyday needs, such as real estate financing, mortgages, and cost-effective payment solutions.

 

How safe is my money with BN Bank?

BN Bank deposits are covered by Norway’s national deposit guarantee scheme in line with EU regulations. Funds of up to 100,000 euros per depositor per bank are protected. As one of the most stable and affluent countries globally, Norway holds a strong sovereign credit rating (AAA). This also reflects its stable economy and well-regulated banking sector.

BN Bank Festgeld – raisin

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 bank 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 ’s own systems or require additional apps or credentials for any administrative steps related to the bank.

How can I open the BN Bank “Festgeld - raisin“?

Opening the “” bank with 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 ‘s bank, 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 bank with . The desired amount will automatically be transferred from your Raisin reference account to .

Click here to get your BN Bank flexible savings account!

About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

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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