6 months
2.25% (paid Annually)
Max. €100,000
Novum Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Novum Bank.
- The return on the Novum Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 3.15% annually for a duration of 36 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 Novum Bank.
How much interest does the Novum Bank Festgeld - raisin pay?
Novum Bank offers the fixed-term deposit “Festgeld - raisin” in 5 different terms, with annual percentage yields ranging from 2.25% to 3.15%. The highest interest is paid for the 36-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Achmea Bank (3.6% for 120 months) and J&T Direktbank (3.5% for 120 months).
You can find an overview of all conditions for the Novum Bank Novum Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
12 months
2.7% (paid Annually)
Max. €100,000
18 months
2.95% (paid Annually)
Max. €100,000
24 months
3.06% (paid Annually)
Max. €100,000
36 months
3.15% (paid Annually)
Max. €100,000
Who is behind Novum Bank?
Novum Bank was founded on the island of Malta in June 2009 under the name VoiceCash Bank Limited. It is a private credit institution holding a full banking license along with an e-money license for the European SEPA area.
Novum Bank operates as a provider of mini-loans in Spain, Germany, Austria, and Denmark under its Cashper brand. In addition, the bank offers various card solutions (credit, prepaid debit) in Germany through its Mastercard issuing license.
How safe is my money with Novum Bank?
Deposits at Novum Bank are safeguarded by Malta's national deposit insurance scheme, which protects up to 100,000 euros per depositor, in accordance with EU regulations. Malta holds an investment-grade sovereign credit rating of A-, reflecting a stable financial 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 August 2026
How can I manage the Festgeld - raisin account?
Your Novum 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 Novum 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 Novum Bank “Festgeld - raisin“?
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