6 months
2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
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Holm Bank for Expats in Germany
The fixed deposit by Holm Bank is available with various maturities and offers a maximum interest rate of 3.25% with a 60-month term to eligible residents in Germany.
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Holm Bank.
- The return on the Holm Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 3.25% annually for a duration of 60 months.
- Savings are protected under the national deposit insurance scheme of Estonia.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Holm Bank.
How much interest does the Holm Bank Festgeld - raisin pay?
Holm Bank offers the fixed-term deposit “Festgeld - raisin” in 5 different terms, with annual percentage yields ranging from 2.00% to 3.25%. The highest interest is paid for the 60-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 Holm Bank Holm Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
12 months
2.91% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
24 months
3.21% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
36 months
3.21% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
3.25% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind Holm Bank?
Holm Bank is a financial institution based in Estonia, an EU member state known for its innovative digital solutions. Initially, focusing on financing installment purchases, Holm Bank's services are now available in Estonia through over 1,000 retail partners and more than 2,000 points of sale.Since 2019, Holm Bank has significantly expanded its product range. The institution now also offers its customers fixed-term deposits, installment loans, car loans, credit cards, and business loans for small and medium-sized enterprises. All services are available online. In the same year, Holm Bank was the first Estonian credit institution to receive a licence from the European Central Bank under the new European Union Single Supervision Mechanism framework.
How safe is my money with Holm Bank?
Deposits at Holm Bank are protected by the Estonian national deposit insurance scheme known as "Tagatisfond." This scheme covers up to 100,000 euros per depositor and complies with EU regulations. Estonia has a strong sovereign credit rating of A+, which indicates the country's creditworthiness and stable political environment.
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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 Holm Bank “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 .
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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.
