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UniCredit Bank Fixed-Term Deposit: Festgeld - raisin Review 2026

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

Christian

Last updated on

In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by UniCredit Bank.
  • The return on the UniCredit Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% annually for a duration of 6 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 UniCredit Bank.

How much interest does the UniCredit Bank Festgeld - raisin pay?

UniCredit Bank offers the fixed-term deposit “Festgeld - raisin” with an annual percentage yield of 2.00% and a term of 6 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 UniCredit Bank UniCredit Bank fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

Who is behind UniCredit Bank?

HypoVereinsbank (HVB), operating under the name UniCredit Bank GmbH, is one of Germany’s leading universal banks and financial service providers. HypoVereinsbank is part of the UniCredit Group, Italy’s largest and one of Europe's major banks. It has become a successful pan-European commercial bank with a network in Western, Central, and Eastern Europe.

HypoVereinsbank’s integration into the UniCredit Group enables it to leverage the Group’s international network, with access to banks in 13 core markets and 18 other countries worldwide. Beyond its banking activities, HypoVereinsbank sees itself as a corporate citizen and maintains a strong social commitment in the regions where it operates.

How safe is my money with UniCredit Bank?

Deposits with UniCredit Bank GmbH are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution. This is in accordance with EU deposit-guarantee rules. Germany’s sovereign credit rating is AAA.

In addition, UniCredit Bank GmbH participates in the voluntary deposit protection fund of the Association of German Banks (Bundesverband deutscher Banken e.V.), which extends coverage above the statutory limits. 

UniCredit Bank 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 UniCredit 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 UniCredit 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 UniCredit Bank “Festgeld - raisin“?

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

Click here to get your UniCredit Bank 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).

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