3 months
1% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
SME Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by SME Bank.
- The return on the SME Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.7% annually for a duration of 24 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 SME Bank.
How much interest does the SME Bank Festgeld - raisin pay?
SME Bank offers the fixed-term deposit “Festgeld - raisin” in 7 different terms, with annual percentage yields ranging from 1.00% to 2.70%. 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 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 SME Bank SME Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
1.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
9 months
1.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
12 months
2.5% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
18 months
2.65% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
24 months
2.7% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
36 months
2.4% (paid Annually)
Min. €10,000
Max. €100,000
Max. €100,000
Who is behind SME Bank?
SME Bank was founded in 2019 and is headquartered in Vilnius, Lithuania. The bank's focus is on digital banking for business customers. It offers financial solutions to small and medium-sized enterprises (SMEs) in the Baltic states, Finland, and the Netherlands.
How safe is my money with SME Bank?
Deposits at SME 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. Lithuania has an A sovereign credit 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 SME Bank 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 SME Bank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the SME Bank “Festgeld - raisin“?
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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