12 months
2.15% (paid Annually)
Min. €5,000
Max. €85,000
Max. €85,000
TF Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by TF Bank.
- The return on the TF Bank 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 Sweden.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by TF Bank.
How much interest does the TF Bank Festgeld - raisin pay?
TF Bank offers the fixed-term deposit “Festgeld - raisin” in 5 different terms, with annual percentage yields ranging from 2.15% to 2.80%. The highest interest is paid for the 60-month fixed-term deposit.
You can find an overview of all conditions for the TF Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
24 months
2.5% (paid Annually)
Min. €5,000
Max. €85,000
Max. €85,000
36 months
2.6% (paid Annually)
Min. €5,000
Max. €85,000
Max. €85,000
48 months
2.7% (paid Annually)
Min. €5,000
Max. €85,000
Max. €85,000
60 months
2.8% (paid Annually)
Min. €5,000
Max. €85,000
Max. €85,000
Who is behind TF Bank?
Founded in 1987, TF Bank is a Swedish online bank specializing in consumer banking and financial services. In 2012, TF Bank obtained an official Swedish Banking license from the national supervisory authorities. For German customers, its portfolio includes credit cards and savings accounts. With a presence across several European markets, TF Bank focuses on accessible online and competitive products adapted to local needs.
How safe is my money with TF Bank?
Deposits at TF Bank are protected under Sweden’s statutory deposit guarantee scheme, which guarantees eligible deposits up to 1,150,000 Swedish Crowns (depending on the exchange rate, equal to 100,000 euros) per depositor and bank. Sweden has the strongest sovereign credit rating (AAA), reflecting robust economic and financial fundamentals that support the banking sector’s stability.
How can I manage the Festgeld - raisin account?
Your TF 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 TF 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 TF Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with TF Bank 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 TF Bank'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 TF Bank. The desired amount will automatically be transferred from your Raisin reference account to TF Bank.
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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