3 months
2% (paid Annually)
Max. €50,000
MeDirect Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by MeDirect Bank.
- The return on the MeDirect Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% 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 MeDirect Bank.
How much interest does the MeDirect Bank Festgeld - raisin pay?
MeDirect Bank offers the fixed-term deposit “Festgeld - raisin” in 5 different terms, with annual percentage yields ranging from 1.20% to 2.00%. The highest interest is paid for the 3-month fixed-term deposit.
You can find an overview of all conditions for the MeDirect Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
6 months
2% (paid Annually)
Max. €50,000
9 months
2% (paid Annually)
Max. €50,000
12 months
2% (paid Annually)
Max. €50,000
24 months
1.2% (paid Annually)
Max. €50,000
Who is behind MeDirect Bank?
MeDirect is a Maltese banking and financial services provider founded in 2004 and regulated by the Malta Financial Services Authority. In addition to its headquarters, MeDirect also maintains a branch network in Malta. Its Belgian subsidiary operates as a pure online provider and is expanding its presence across the European market. The bank focuses on international corporate lending, private banking, investment services, and asset management for wealthy private clients.
How safe is my money with MeDirect Bank?
Deposits with MeDirect are protected by Malta's national deposit insurance scheme, which covers up to 100,000 euros per depositor in line with EU regulations. Malta has an investment-grade sovereign credit rating of A-, indicating a stable financial environment.
How can I manage the Festgeld - raisin account?
Your MeDirect 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 MeDirect 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 MeDirect Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with MeDirect 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 MeDirect 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 MeDirect Bank. The desired amount will automatically be transferred from your Raisin reference account to MeDirect Bank.
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