Menu

SIGMA Bank AG Fixed-Term Deposit: Festgeld - raisin Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits SIGMA Bank AG Festgeld – raisin

Christian

Last updated on

In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by SIGMA Bank AG.
  • The return on the SIGMA Bank AG fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% annually for a duration of 12 months.
  • Savings are protected under the national deposit insurance scheme of Liechtenstein.

Find all the details and rates below in our frequently asked questions on the fixed-term deposit by SIGMA Bank AG.

How much interest does the SIGMA Bank AG Festgeld - raisin pay?

SIGMA Bank AG offers the fixed-term deposit “Festgeld - raisin” with an annual percentage yield of 2.00% and a term of 12 months.

In comparison, the top Festgeld high-yield savings accounts are currently offered by J&T Direktbank (3.5% for 120 months) and Raiffeisenbank Wittelsbacher Land (3.33% for 6 months).

You can find an overview of all conditions for the SIGMA Bank AG SIGMA Bank AG fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

Who is behind SIGMA Bank AG?

SIGMA Bank is an independent private bank founded in 1997 and headquartered in Liechtenstein. The bank's portfolio ranges from traditional products such as checking accounts, e-banking, foreign exchange transactions, call and time deposits, and mortgage and Lombard loans to the management of your securities portfolio. Furthermore, SIGMA Bank offers asset management in cooperation with renowned partners.

How safe is my money with SIGMA Bank AG?

Deposits held with SIGMA Bank are protected under the Liechtenstein deposit guarantee scheme, which safeguards eligible deposits up to 100,000 Swiss Francs (100,000-110,000 euros, depending on the exchange rate) per depositor and per bank. Liechtenstein benefits from the top sovereign credit profile (AAA rating), closely aligned with Switzerland and supported by a stable financial system.

SIGMA Bank AG Festgeld – raisin

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 SIGMA Bank AG 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 SIGMA Bank AG ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.

How can I open the SIGMA Bank AG “Festgeld - raisin“?

Opening the "Festgeld - raisin" fixed-term deposit with SIGMA Bank AG 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 SIGMA Bank AG'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 SIGMA Bank AG. The desired amount will automatically be transferred from your Raisin reference account to SIGMA Bank AG.

Click here to get your SIGMA Bank AG flexible savings account!

About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

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).

Some of the links are promotional links. You help to keep this site running, as I gain a small commission for each purchase. It does not come at any cost to you.