Raisin Austria review
Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Raisin Austria suits savers who value clearly stated European protection of EU DGS up to EUR 100,000 while dealing with an entity supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) as shown in Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). Protection limits shape how much confidence you can place in balances held under this arrangement for planning ahead.
Key facts
- Best for
- Savers seeking European bank deposits with clearly stated protection
- Deposit protection
- EU DGS up to EUR 100,000↗
- Regulators
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)↗
- Official website
- weltsparen.at
Facts checked September 30, 2026, 1 source
Apps and profiles
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- Elsewhere
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Pros and cons
Pros
- Clearly stated European protection of EU DGS up to EUR 100,000 helps you understand safety limits before you commit
- Identified supervision in Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) gives transparent accountability for governance and oversight
- European savings focus contrasts usefully with ActivTrades cover of FSCS up to GBP 85,000 when you compare safety models
- Defined limit structure contrasts with Betterment cover of FDIC up to USD 250,000 for readers weighing jurisdictions
Cons
- Cover remains bounded by EU DGS up to EUR 100,000, so balances above the stated scope sit outside the described safety net
- Supervision is tied to Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), which may feel remote if you prefer familiar domestic oversight
- Safety depends on EU DGS up to EUR 100,000 without additional layers described, unlike broader platform contrasts with Betterment cover of FDIC up to USD 250,000
Who it suits
- Savers who value European protection of EU DGS up to EUR 100,000 more than ActivTrades cover of FSCS up to GBP 85,000
- Savers who prefer identified oversight in Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) over XTB cover of FSCS up to GBP 85,000
- Planners who accept a defined European ceiling rather than Betterment cover of FDIC up to USD 250,000
Who should look elsewhere
- Traders seeking ActivTrades because you want brokerage style cover of FSCS up to GBP 85,000 rather than European savings protection
- Savers preferring Betterment because you want United States cover of FDIC up to USD 250,000 rather than European limits
Deposit protection
Safety for Raisin Austria centres on two stated elements that you can weigh together. Protection is described as EU DGS up to EUR 100,000. That description gives you a clear boundary for the safety net that applies to eligible deposits, and it helps you plan how much to hold within the stated scope. You should treat the stated ceiling as the guide for sizing balances, since amounts beyond that scope would sit outside the described cover. Supervision is described in Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). That entry names Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) as the relevant authority, which provides accountability for conduct and governance. You can use that information to understand which body oversees the entity, what standards apply, and where responsibility rests if questions arise. Taken together, protection of EU DGS up to EUR 100,000 and supervision in Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) offer a transparent basis for judging confidence. You should keep expectations aligned with the stated limit, remain mindful of how European protection works in practice, and consider spreading larger totals so that your approach stays consistent with the safety boundary you have chosen. This clarity helps you compare European savings arrangements with confidence and care.
How Raisin Austria compares
ActivTrades offers cover of FSCS up to GBP 85,000, which suits you if you compare UK style protection with European cover
Where Raisin Austria is available
- Available
- Austria
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What protection limit applies to savings held through Raisin Austria+
Your savings sit under protection of EU DGS up to EUR 100,000. That statement defines the outer boundary for safety you can expect. You should keep balances within the stated scope and consider spreading funds across banks if your total exceeds the described ceiling.
Which protection scheme covers deposits placed through Raisin Austria+
The arrangement uses European deposit protection described as EU DGS up to EUR 100,000. That framework is designed for bank deposits rather than investment risk. You should view market movements as separate from the safety boundary that the stated protection provides.
Who regulates the entity behind Raisin Austria+
Oversight is linked to Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). That body provides regulatory accountability for the entity behind the service. You can take comfort from knowing which authority supervises operations when you assess trust and governance.
Where is the regulator for Raisin Austria based+
Regulatory details point to Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), which is based in Germany. That cross border supervision is common for European savings platforms. You should be comfortable dealing with an authority outside Austria before you commit funds to the arrangement.
How does Raisin Austria protection compare with ActivTrades+
Raisin Austria describes protection of EU DGS up to EUR 100,000, while ActivTrades describes cover of FSCS up to GBP 85,000. The currencies and schemes differ, so direct comparison needs care. You should focus on which jurisdiction and limit align with your savings location.
How does Raisin Austria protection compare with Betterment+
Betterment describes cover of FDIC up to USD 250,000, while Raisin Austria describes protection of EU DGS up to EUR 100,000. Those frameworks belong to different systems and currencies. You should choose based on where you live and which protection structure gives you greater clarity.
What should you check on safety before using Raisin Austria+
Supervision shown in Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) sets expectations for conduct and accountability. Protection shown in EU DGS up to EUR 100,000 sets expectations for safety limits. You should weigh those strands together, since sound oversight supports confidence while defined limits shape how you size deposits.
Sources
- raisin.com/de-at/impressum checked September 30, 2026
Backs: Deposit protection, Regulators, Licences
Compiled from 1 source page, checked September 30, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit.