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FIMBank Fixed-Term Deposit: Festgeld - raisin Review 2026

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

Christian

Last updated on

In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by FIMBank.
  • The return on the FIMBank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.32% annually for a duration of 6 months.
  • Savings are protected under the national deposit insurance scheme of Malta.

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

How much interest does the FIMBank Festgeld - raisin pay?

FIMBank offers the fixed-term deposit “Festgeld - raisin” in 3 different terms, with annual percentage yields ranging from 2.20% to 2.32%. The highest interest is paid for the 6-month fixed-term deposit.

You can find an overview of all conditions for the FIMBank fixed-term deposits below:

Term

Interest rate

Deposit amount

Who is behind FIMBank?

FIMBank p.l.c. is a licensed credit institution headquartered in Malta with a listing on the Malta Stock Exchange. The bank itself was founded in 1994. FIMBank is a member of the KIPCO Group, one of the largest holding companies in the Middle East and North Africa, with over 16,000 employees across 60 companies in more than a dozen countries. FIMBank is globally active, particularly with its services in trade finance, factoring, and forfaiting.

How safe is my money with FIMBank?

Deposits at FIMBank are covered by Malta's national deposit insurance scheme, which protects up to 100,000 euros per depositor according to EU regulations. Malta holds an investment-grade sovereign credit rating of A-, reflecting a stable financial environment.

How can I manage the Festgeld - raisin account?

Your FIMBank 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 FIMBank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.

How can I open the FIMBank “Festgeld - raisin“?

Opening the "Festgeld - raisin" fixed-term deposit with FIMBank 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 FIMBank'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 FIMBank. The desired amount will automatically be transferred from your Raisin reference account to FIMBank.

Click here to get your FIMBank 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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