3 months
1.91% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
OLB Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by OLB Bank.
- The return on the OLB Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.51% annually for a duration of 60 months.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by OLB Bank.
How much interest does the OLB Bank Festgeld - raisin pay?
OLB Bank offers the fixed-term deposit “Festgeld - raisin” in 8 different terms, with annual percentage yields ranging from 1.91% to 2.51%. 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 Raiffeisenbank Wittelsbacher Land (3.33% for 6 months) and Rediem Capital AB (3.25% for 120 months).
You can find an overview of all conditions for the OLB Bank OLB Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
1.96% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
9 months
1.96% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
12 months
2.21% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
24 months
2.22% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
36 months
2.36% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
48 months
2.46% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
2.51% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind OLB Bank?
Oldenburgische Landesbank AG, or OLB Bank, was founded in 1869. Headquartered in Oldenburg, it serves more than 600,000 customers in Germany and further European countries. The business segments include retail banking (private banking and wealth management), commercial banking, specialized financing (commercial real estate and acquisition financing), and brokerage services for real estate, home savings contracts, and insurance.
Today’s OLB resulted from the merger of four successful banks, enabling OLB to evolve into a profitable, nationwide, and diversified bank. Since January 2026, OLB has been part of TARGO Deutschland GmbH, the German holding company of the major French bank Crédit Mutuel Alliance Fédérale.
How safe is my money with OLB Bank?
Deposits with Oldenburgische Landesbank AG are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and per institution. This is in accordance with EU deposit-guarantee rules. Germany’s sovereign credit rating is at the top (AAA with major agencies).
In addition to the statutory guarantee, OLB Bank participates in the voluntary deposit protection fund of the Association of German Banks (Bundesverband deutscher Banken e.V.), which extends coverage above the statutory limits.
See all Festgeld options
Check our complete list of time money and easily calculate your possible return.
How can I manage the Festgeld - raisin account?
Your OLB 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 OLB 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 OLB Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with OLB 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 OLB 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 OLB Bank. The desired amount will automatically be transferred from your Raisin reference account to OLB 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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