24 months
2.5% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Rediem Capital AB Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Rediem Capital AB.
- The return on the Rediem Capital AB fixed-term deposit is dependent on the duration of the deposit. The highest interest is 3.25% annually for a duration of 120 months.
- Savings are protected under the national deposit insurance scheme of Sweden.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Rediem Capital AB.
How much interest does the Rediem Capital AB Festgeld - raisin pay?
Rediem Capital AB offers the fixed-term deposit “Festgeld - raisin” in 9 different terms, with annual percentage yields ranging from 2.50% to 3.25%. The highest interest is paid for the 120-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 Rediem Capital AB Rediem Capital AB fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
36 months
2.65% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
48 months
2.7% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
2.8% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
72 months
2.8% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
84 months
2.8% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
96 months
2.7% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
108 months
2.7% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
120 months
3.25% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind Rediem Capital AB?
Rediem Capital is a Swedish credit market company founded in 2024. It is headquartered in Stockholm and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen). The bank offers attractive fixed-term deposits to private customers in several European markets.
Since 2026, Rediem Capital has been part of Myntro Group (formerly Alektum Group), a debt collection company founded in 1992 and headquartered in Bremen, Germany.
How safe is my money with Rediem Capital AB?
Deposits at Rediem Capital are protected under Sweden’s statutory deposit guarantee scheme, administered by the Swedish National Debt Office (Riksgälden), which covers up to 1,150,000 Swedish Crowns (roughly 100,000 euros, depending on the exchange rate) per depositor and bank. Sweden has the top sovereign credit rating (AAA), reflecting a stable and secure banking 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 April 2026
How can I manage the Festgeld - raisin account?
Your Rediem Capital AB 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 Rediem Capital AB ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Rediem Capital AB “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Rediem Capital AB 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 Rediem Capital AB'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 Rediem Capital AB. The desired amount will automatically be transferred from your Raisin reference account to Rediem Capital AB.
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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