Raisin DE review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Raisin DE suits German savers who want a free easy-access account and a managed investment on the same platform. The savings side charges a monthly fee of €0 and asks a minimum deposit of €1, so the pitch is access rather than top-rate yield.
Key facts
- Best for
- A free easy-access savings account in Germany with a managed investment option alongside it.
- Headline rate
- 3%↗
- Rate type
- Fixed↗
- Term
- 3 months↗
- Minimum deposit
- €1↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Deposits and withdrawals at any time, balance available daily, interest credited monthly, free Raisin account↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Raisin SE↗
- Headquarters
- Germany↗
- Founded
- 2012↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- raisin.com
Robo-advisors
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- TrustpilotLinkedIn
Pros and cons
Pros
- Cash goes in and out whenever you like, and the balance can be used the same day
- The account is free to hold, and interest is credited to it once a month
- A minimum deposit of €1 keeps the starting amount small
- Support runs on email, phone and help centre
Cons
- The headline rate of 3% sits below the savings median of 3%
- The rate ranks at position 249 of 488 on the listings, well down the table
- The term is 3, short of the term-deposit median of 12
Who it suits
- German savers who want an easy-access account they can draw on at any time
- Readers who also want a managed portfolio, with a minimum investment of €25
- People starting with small amounts, given the minimum deposit of €1
Who should look elsewhere
- Chasers of the top rate, since Wise pays 3.29% and bunq pays 3.01% on savings
- Fixed-term savers, since Finteres offers rates of 0% to 36% for a locked period
Safety of your money
Deposits sit under the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000. The account is run by Raisin SE, and the firm is listed in the financial intermediary register kept by the Bezirksamt Friedrichshain-Kreuzberg in Berlin, under the permission recorded as D-F-107-QQ43-76. That register entry is the permission to advise on financial investments in Germany.
How Raisin DE compares
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Where Raisin DE is available
- Available
- Germany
- Licence in Germany
- Bezirksamt Friedrichshain-Kreuzberg, Berlin (Finanzanlagenvermittler-Register), Erlaubnis nach Paragraf 34f GewO (D-F-107-QQ43-76), checked September 26, 2026
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), for Raisin Bank AG, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Raisin DE savings account pay?+
The savings account pays a headline rate of 3% on a fixed rate type. That sits below the savings median of 3% across the listings, so this is an access product rather than a rate leader. Interest is credited to the account once a month.
What does it cost to hold the account?+
Holding the savings account is free, with a monthly fee of €0. On the managed investment side, management fees run 0.25% to 0.46% depending on the portfolio you pick, and a minimum investment of €25 applies to that side.
How is my money protected?+
Deposits are covered by the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000. Raisin SE is listed in the Berlin financial intermediary register under the permission recorded as D-F-107-QQ43-76. Raisin Bank AG is supervised by BaFin.
Can I withdraw money whenever I want?+
Yes. Deposits and withdrawals are possible at any time, and the balance can be used on the day it lands, so this is an easy access account rather than a locked product. Interest is credited monthly, which suits cash you may need at short notice.
What is the minimum deposit?+
The savings account asks for a minimum deposit of €1, a small starting amount for a first deposit. The managed portfolios ask for a minimum investment of €25, so both entry points stay low rather than demanding a large opening balance.
How long is the money committed?+
The term attached to the headline rate is 3, and the account is set up as easy access, so access is not restricted. Across term deposits on the site the median runs to 12, which is a far longer lock-in.
Does Raisin DE also offer managed investing?+
Yes. The managed side runs on etf and crypto portfolios, with management fees of 0.25% to 0.46% and a minimum investment of €25. That fee is the main cost on the investment side, while the savings account itself stays free to hold.
How do I get help if something goes wrong?+
Support runs on email, phone and help centre, so the firm can be reached by phone, by email or through the help centre. The savings account fee is unaffected by contacting support and stays at €0 for as long as the account is open.
Sources
- raisin.com/de-de/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Raisin SE, Schlesische Strasse 33/34, 10997 Berlin; Berufsbezeichnung: Finanzanlagenvermittler nach Paragraf 34f Abs. 1 GewO, Bundesrepublik Deutschland”
- raisin.com/de-de/preise-konditionen checked September 26, 2026
Backs: Pricing model, Support channels
- raisin.com/de-de/tagesgeld/raisin-start-zins checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee, Rate type, Term
“Fester Zinssatz fuer 3 Monate (Raisin StartZins Tagesgeld)”
- raisin.com/de-de/ueber-raisin checked September 26, 2026
Backs: Founded
“2012 gegruendet: Raisin entstand in Berlin als Fintech-Startup”
- raisin.com/de-de/vermoegensverwaltung checked September 26, 2026
Backs: Management fee, Minimum investment, Portfolio types
“Sparpläne ab 25 € / Monat”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Raisin DE
A free easy-access savings account in Germany with a managed investment option alongside it.