6 months
2% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Holm Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
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 2.75% annually for a duration of 24 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 2.75%. 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 J&T Direktbank (3.5% for 120 months) and Raiffeisenbank Wittelsbacher Land (3.33% for 6 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
2.39% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
24 months
2.75% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
36 months
2.52% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
2.5% (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.
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 Holm Bank 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 Holm Bank ’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 Holm Bank 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 Holm Bank'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 Holm Bank. The desired amount will automatically be transferred from your Raisin reference account to Holm Bank.
About the Author
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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