12 months
1.9% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
SIGNAL IDUNA Bauspar Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by SIGNAL IDUNA Bauspar.
- The return on the SIGNAL IDUNA Bauspar fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.8% 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 SIGNAL IDUNA Bauspar.
How much interest does the SIGNAL IDUNA Bauspar Festgeld - raisin pay?
SIGNAL IDUNA Bauspar offers the fixed-term deposit “Festgeld - raisin” in 6 different terms, with annual percentage yields ranging from 1.90% to 2.80%. 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 SIGNAL IDUNA Bauspar SIGNAL IDUNA Bauspar fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
18 months
2.15% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
24 months
2.2% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
36 months
2.55% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
48 months
2.7% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
60 months
2.8% (paid Annually)
Min. €5,000
Max. €500,000
Max. €500,000
Who is behind SIGNAL IDUNA Bauspar?
SIGNAL IDUNA Bauspar AG, headquartered in Hamburg, is the building society of the SIGNAL IDUNA Group, one of Germany’s leading providers of insurance and financial services. As one of the first German building societies, SIGNAL IDUNA Bauspar AG was founded in 1930 under the name Bausparkasse Deutsche Mittelstandshilfe eGmbH. Following the merger of the Hamburg-based IDUNA NOVA Group and the Dortmund-based SIGNAL Versicherungen, the building society adopted its current name in 2002.
SIGNAL IDUNA Bauspar AG offers tailored solutions for planning and realizing housing and homeownership goals. It has established itself as a center of expertise for processing construction financing within the SIGNAL IDUNA Group.
How safe is my money with SIGNAL IDUNA Bauspar?
Deposits with SIGNAL IDUNA Bauspar are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution. This is pursuant to EU deposit-guarantee rules. Germany’s sovereign credit rating is at the top (AAA with major agencies).
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 SIGNAL IDUNA Bauspar 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 SIGNAL IDUNA Bauspar ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the SIGNAL IDUNA Bauspar “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with SIGNAL IDUNA Bauspar 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 SIGNAL IDUNA Bauspar'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 SIGNAL IDUNA Bauspar. The desired amount will automatically be transferred from your Raisin reference account to SIGNAL IDUNA Bauspar.
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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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