Holm Bank Flexible Savings Account: Tagesgeld - raisin Review 2026
In a nutshell:
- The “Tagesgeld - raisin” is a flexible savings account offered by Holm Bank.
- It pays a top interest rate of 1.49% annually.
- Savings are protected under the national deposit insurance scheme of Estonia.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by Holm Bank.
Holm Bank
Tagesgeld - raisin
1.49%
annual percentage yield
How much interest does the Holm Bank Tagesgeld - raisin pay?
Holm Bank offers the flexible savings account "Tagesgeld - raisin" with quarterly interest payouts. The regular interest rate is 1.49%. You must maintain a balance of at least 5,000 euros and at most 100,000 euros.
Who is behind Holm Bank?
Holm Bank is a financial institution based in Estonia, an EU member state known for its innovative digital solutions. Initially, focusing on financing installment purchases, Holm Bank's services are now available in Estonia through over 1,000 retail partners and more than 2,000 points of sale.
Since 2019, Holm Bank has significantly expanded its product range. The institution now also offers its customers fixed-term deposits, installment loans, car loans, credit cards, and business loans for small and medium-sized enterprises. All services are available online. In the same year, Holm Bank was the first Estonian credit institution to receive a licence from the European Central Bank under the new European Union Single Supervision Mechanism framework.
How safe is my money with Holm Bank?
Deposits at Holm Bank are protected by the Estonian national deposit insurance scheme known as "Tagatisfond." This scheme covers up to 100,000 euros per depositor and complies with EU regulations. Estonia has a strong sovereign credit rating of A+, which indicates the country's creditworthiness and stable political environment.
How can I manage the Tagesgeld - raisin account?
Your Holm Bank flexible savings account 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 Holm Bank ’s own systems or require additional apps or credentials for any administrative steps related to the flexible savings account.
How can I open the Holm Bank Tagesgeld - raisin?
Opening the "Tagesgeld - raisin" flexible savings account with Holm 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 Holm Bank's flexible savings account, 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 flexible savings account with Holm Bank. The desired amount will automatically be transferred from your Raisin reference account to Holm Bank.
About the Author
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