Raisin Bank Flexible Savings Account: Raisin StartZins Review 2026
In a nutshell:
- The “Raisin StartZins” is a flexible savings account offered by Raisin Bank.
- It pays a top interest rate of 3.2% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
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 Raisin Bank.
Raisin Bank
Raisin StartZins
3.20%
annual percentage yield
How much interest does the Raisin Bank Raisin StartZins pay?
Raisin Bank offers the flexible savings account "Raisin StartZins" with annually interest payouts. The promotional interest rate of 3.2% is valid for 3 months. This interest is applicable for account balances of at most 50,000 euros.
Who is behind Raisin Bank?
Raisin Bank is a German-licensed bank that operates within the wider Raisin Group (a pan-European savings marketplace). The bank was founded in 1973 as Mitteleuropäische Handelsbank AG Deutsch-Polnische Bank in Frankfurt. In 2019, the bank was acquired by Berlin-based Raisin SE and renamed.
As a partner bank for Raisin’s platform, Raisin Bank provides deposit and savings products that are made available to customers across multiple European countries. The bank focuses on straightforward, competitive deposit offerings and operates under German banking regulation.
How safe is my money with Raisin Bank?
Deposits at Raisin Bank are protected by Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken), which secures eligible deposits up to 100,000 euros per depositor and bank in accordance with EU directives. Germany maintains the highest sovereign credit rating (AAA with most major agencies), which supports overall banking system stability.
How can I manage the Raisin StartZins account?
Your Raisin 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 managed through the Raisin platform, you are not dependent on any specific systems or require additional apps or credentials for any administrative steps related to the flexible savings account.
How can I open the Raisin Bank Raisin StartZins?
Opening the "Raisin StartZins" flexible savings account with Raisin 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 Raisin 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 Raisin Bank. The desired amount will automatically be transferred from your Raisin reference account to Raisin Bank.
By opening the Raisin StartZins and getting an account with Raisin, you automatically have the option to invest in all other savings options provided through the marketplace.
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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