6 months
1.75% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
Raiffeisenbank Straubing Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Raiffeisenbank Straubing.
- The return on the Raiffeisenbank Straubing fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.15% annually for a duration of 24 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 Raiffeisenbank Straubing.
How much interest does the Raiffeisenbank Straubing Festgeld - raisin pay?
Raiffeisenbank Straubing offers the fixed-term deposit “Festgeld - raisin” in 4 different terms, with annual percentage yields ranging from 1.75% to 2.15%. 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 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 Raiffeisenbank Straubing Raiffeisenbank Straubing fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
12 months
2.12% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
18 months
2.12% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
24 months
2.15% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
Who is behind Raiffeisenbank Straubing?
Raiffeisenbank Straubing eG was founded in 1894. The cooperative bank upholds clear values, including fairness, transparency, and honesty.
The regional bank headquartered in Lower Bavaria follows a hybrid concept of local presence and regional services. It serves both private and corporate clients. Raiffeisenbank Straubing eG offers a wide range of financial services, including lending, insurance, securities brokerage, start-up financing, succession planning, and real estate financing and brokerage.
How safe is my money with Raiffeisenbank Straubing?
A two-tier system doubly secures deposits at Raiffeisenbank Straubing: The statutory deposit protection of up to 100,000 euros per customer and institution, based on EU guidance. Germany's fiscal strength is underscored by the highest available sovereign credit rating, AAA.
Additionally, Raiffeisenbank Straubing adheres to the voluntary protection scheme of the National Association of German Cooperative Banks (BVR), in particular the BVR Institutssicherung GmbH. It practically protects unlimited deposits by providing mutual support among institutions. This system provides comprehensive protection that exceeds the statutory limit.
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How can I manage the Festgeld - raisin account?
Your Raiffeisenbank Straubing 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 Raiffeisenbank Straubing ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Raiffeisenbank Straubing “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Raiffeisenbank Straubing 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 Raiffeisenbank Straubing'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 Raiffeisenbank Straubing. The desired amount will automatically be transferred from your Raisin reference account to Raiffeisenbank Straubing.
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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