6 months
2.02% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
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CiviBank for Expats in Germany
The fixed deposit by CiviBank is available with various maturities and offers a maximum interest rate of 2.25% with a 84-month term to eligible residents in Germany.
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by CiviBank.
- The return on the CiviBank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.25% annually for a duration of 84 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 CiviBank.
How much interest does the CiviBank Festgeld - raisin pay?
CiviBank offers the fixed-term deposit “Festgeld - raisin” in 10 different terms, with annual percentage yields ranging from 2.02% to 2.25%. The highest interest is paid for the 96-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Rediem Capital AB (3.65% for 120 months) and Calenberger Kreditverein (3.6% for 84 months).
You can find an overview of all conditions for the CiviBank CiviBank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
9 months
2.02% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
12 months
2.02% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
18 months
2.02% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
24 months
2.02% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
36 months
2.02% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
48 months
2.12% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
60 months
2.18% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
84 months
2.25% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
96 months
2.25% (paid Annually)
Min. €20,000
Max. €100,000
Max. €100,000
Who is behind CiviBank?
Founded in 1886, Banca di Cividale (CiviBank) is an independent cooperative bank. In addition to its headquarters in Cividale del Friuli, a municipality in the Italian province of Udine, the bank operates more than 60 branches in northeastern Italy.
Banca di Cividale’s services are aimed at individuals, families, and businesses. The bank offers its customers traditional banking products, financing solutions, and insurance.
How safe is my money with CiviBank?
Deposits at CiviBank are protected by the Italian deposit guarantee (Fondo Interbancario di Tutela dei Depositi), which secures up to 100,000 euros per customer in accordance with EU regulations. Italy carries a sovereign credit rating of BBB+, reflecting investment-grade status.
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 August 2026
How can I manage the Festgeld - raisin account?
Your 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 ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the CiviBank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit 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 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 . The desired amount will automatically be transferred from your Raisin reference account to .
About the Author
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This content is for general information only and does not constitute personalized financial advice or a recommendation to use any particular product or provider. Product features, rates, fees, eligibility requirements, and terms can change. Please conduct your own research and seek independent professional advice where appropriate. Always verify the current terms with the provider before applying or opening an account.
