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Raisin France review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Raisin France suits savers in France seeking flexible easy access cash with open movement for deposits and withdrawals. The account pays interest at 2.28% with a variable rate structure at variable and opens from €1 under operation by Raisin Bank AG for steady low friction saving.

Key facts

Best for
Flexible euro savings with very low entry and open access
Headline rate
2.28%↗
Rate type
Variable↗
Minimum deposit
€1↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Free deposits and withdrawals anytime↗
Monthly fee
€0↗
Account kind
Easy access↗
Regulators
Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin)↗
Legal entity
Raisin Bank AG↗
Headquarters
Germany↗
Founded
1973↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
raisin.fr

Facts checked September 30, 2026, 6 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • Opens from €1, keeping entry accessible for modest starting balances.
  • Charges of €0 keep ongoing account costs down for long term holders.
  • Free deposits and withdrawals anytime without a fixed lock in period for flexible use.
  • Cover of EU DGS up to EUR 100,000 applies to eligible balances held with partner banks, unlike trading cash at ActivTrades at 3.3%.

Cons

  • Variable return at variable means the rate paid at 2.28% may move lower or higher over time.
  • Support runs on email, phone and help centre only, without live chat or branch service for in person help.
  • Cover applies through EU DGS up to EUR 100,000, so amounts above the stated ceiling lack additional protection.
Raisin France

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Savers who want easy access cash where Free deposits and withdrawals anytime and low entry from €1.
  • Cautious holders who value cover of EU DGS up to EUR 100,000 under oversight by Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin).

Who should look elsewhere

  • Rate chasers who want higher headline interest may prefer XTB, which pays interest at 4% on eligible balances.
  • Investors who want cash interest inside a trading account may prefer eToro, which offers interest at 3.8% with investing tools attached.

Where it sits among rivals

Raisin France sits toward the lower middle of the savings comparison on headline return, placed at 223 among 353 ranked offers. That placement reflects a flexible easy access design rather than a premium fixed term deal. For entry level, it sits at 177 among 310 ranked offers, showing broad accessibility for savers starting with limited funds. The combined picture is balanced access with modest pricing, appealing where liquidity matters more than chasing peak returns.

Fees and currency costs

The account opens from €1, which allows you to begin with a very limited placement and add funds over time. Ongoing account charges are €0, so there is no recurring fee eroding the balance while it remains open. That combination supports gradual saving, emergency cash holdings and testing the service before committing larger amounts. You should still review partner bank conditions for transfers, currency handling and any third party charges outside the core account.

Safety of your money

Balances placed through Raisin France benefit from EU DGS up to EUR 100,000, which defines the protection ceiling for eligible deposits. Supervision is provided by Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin), the authority shown in the legal and regulatory disclosures. That framework gives a clear route for oversight and defined cover relative to unprotected cash products. You should keep deposits within the stated protected scope and check which partner bank holds funds at each stage.

Access to your money

Day to day use follows Free deposits and withdrawals anytime, allowing you to pay in and draw down without a notice period or maturity date. The pricing basis is variable, so the return may adjust while access remains flexible. That setup suits cash you may need at short notice, including reserve funds and short horizon goals. You manage movements through the online account, with timing dependent on linked bank processing.

Rates and terms

The account pays a headline rate of 2.28%, structured on a variable basis. Variable pricing means the rate may rise or fall in line with provider decisions and market conditions, rather than staying locked for a set period. That trade off brings flexibility for withdrawals and deposits, while accepting less certainty over future returns. It suits savers who prioritise liquidity over a guaranteed term rate.

Who runs it

The service is operated by Raisin Bank AG, with home registration in Germany. The business traces its origins to 1973, giving a long corporate history behind the savings marketplace model. Customer support is provided through email, phone and help centre, covering email contact, phone help and help centre guides. That mix suits savers comfortable with remote service rather than branch visits.

How Raisin France compares

Where Raisin France is available

Available
France
Licence in Germany
Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

Does Raisin France charge fees for the savings account+

The account carries charges of €0, so there is no recurring fee for keeping the balance open. Deposits and withdrawals follow Free deposits and withdrawals anytime, which helps keep routine use predictable. Always check the partner terms shown before moving larger sums.

What interest rate does Raisin France pay+

The headline return is 2.28%, set as a variable rate at variable. That means the provider may adjust the rate in response to market conditions. Your actual interest will reflect the rate in force during each interest period.

Is money held through Raisin France protected+

Balances benefit from EU DGS up to EUR 100,000, which sets the ceiling for protected deposits per depositor and bank. Oversight comes from Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin), the authority named in the legal disclosures. Protection applies through the partner bank holding the funds.

How much do you need to open an account+

You may start saving from €1, which keeps entry accessible for modest balances. There is no high threshold to open the account. That structure suits gradual saving as well as larger placements within protection limits.

How do deposits and withdrawals work+

You get Free deposits and withdrawals anytime, giving flexibility to add funds and take money out without a fixed term. The rate basis remains variable, so access does not depend on locking funds away. Transfer times will depend on the linked bank used.

Who operates Raisin France and how can you get help+

Contact is available through email, phone and help centre, covering written queries, calls and self help guides. The operator is Raisin Bank AG, based in Germany. That setup suits savers comfortable managing accounts online or by phone.

Who is this account suitable for+

The account suits savers who value liquidity because Free deposits and withdrawals anytime and a low start from €1. It is less suited if you want a guaranteed fixed return, since pricing is variable. Savers seeking a locked term may prefer fixed offers elsewhere.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Term.

Raisin France

Raisin France

Flexible euro savings with very low entry and open access

9.0/10See alternatives