12 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
J&T Banka Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by J&T Banka.
- The return on the J&T Banka fixed-term deposit is dependent on the duration of the deposit. The highest interest is 1% annually for a duration of 12 months.
- Savings are protected under the national deposit insurance scheme of the Czech Republic.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by J&T Banka.
How much interest does the J&T Banka Festgeld - raisin pay?
J&T Banka offers the fixed-term deposit “Festgeld - raisin” in 7 different terms, with an annual percentage yield of 1.00% on all their deposits.
You can find an overview of all conditions for the J&T Banka fixed-term deposits below:
Term
Interest rate
Deposit amount
18 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
30 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
48 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
60 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind J&T Banka?
J&T Direktbank is the German branch of J&T Banka, a Czech private and investment bank. It was founded in 1998 and is now one of the top 10 banks in the Czech Republic.
In Germany, the bank focuses primarily on savings and deposit products for retail customers, including Tagesgeld and fixed-term deposits, offered through a streamlined online platform. J&T Direktbank targets savers who value attractive interest rates combined with a straightforward, digital banking experience.
How safe is my money with J&T Banka?
Deposits at J&T Direktbank are protected under the Czech statutory deposit guarantee scheme "Garanční systém finančního trhu", which covers eligible deposits up to 100,000 euros per depositor and bank in accordance with EU law. The Czech Republic has a solid sovereign credit rating of "AA-", reflecting a stable economic environment within the European Union.
How can I manage the Festgeld - raisin account?
Your J&T Banka 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 J&T Banka ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the J&T Banka “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with J&T Banka 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 J&T Banka'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 J&T Banka. The desired amount will automatically be transferred from your Raisin reference account to J&T Banka.
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