6 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
Saldo Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Saldo Bank.
- The return on the Saldo Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% annually for a duration of 30 months.
- Savings are protected under the national deposit insurance scheme of Lithuania.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Saldo Bank.
How much interest does the Saldo Bank Festgeld - raisin pay?
Saldo Bank offers the fixed-term deposit “Festgeld - raisin” in 11 different terms, with an annual percentage yield of 2.00% on all their deposits.
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 Saldo Bank Saldo Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
9 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
12 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
18 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
24 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
30 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
36 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
42 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
48 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
54 months
2% (paid Annually)
Min. €20,000
Max. €95,000
Max. €95,000
Who is behind Saldo Bank?
Saldo Bank UAB is a specialized bank from Vilnius, Lithuania, founded in 2006. As a subsidiary of the Finnish fintech company Saldo Finance, it is authorized by the European Central Bank and regulated by the central bank of the Republic of Lithuania.
Saldo Bank offers, among other things, consumer and small- and medium-sized enterprise (SME) credit solutions. For retail customers, it provides savings products.
How safe is my money with Saldo Bank?
Deposits at Saldo Bank are protected under the Lithuanian statutory deposit guarantee scheme (Deposit and Investment Insurance). This guarantees deposits of up to 100,000 euros per depositor and per bank, in accordance with EU law. Lithuania’s sovereign credit environment is A.
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 bank 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 ’s own systems or require additional apps or credentials for any administrative steps related to the bank.
How can I open the Saldo Bank “Festgeld - raisin“?
Opening the “” bank with 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 ‘s bank, 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 bank with . The desired amount will automatically be transferred from your Raisin reference account to .
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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