Raisin review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Raisin is a savings marketplace with an easy-access account, an ISA and no monthly charge, so it suits UK savers who want one place to hold cash. Its headline rate of 4.15% sits above the 3% median across the site, and the minimum deposit starts at £100.
Key facts
- Best for
- Savers who want an easy-access account with a variable rate and no monthly fee.
- Minimum deposit
- £100↗
- Account fee
- £0↗
- Regulators
- Bezirksamt Friedrichshain-Kreuzberg (financial investment intermediary register, registration D-F-107-QQ43-76)↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Account types
- ISA↗
- Legal entity
- Raisin SE↗
- Headquarters
- Germany↗
- Founded
- 2012↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- raisin.com
Savings
Robo-advisors
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- The account fee and monthly fee are £0 and £0, so holding cash costs nothing
- The headline rate of 4.15% is above the site median of 3%
- The account is easy access, so you can top up and withdraw with no fixed term
- Deposits carry FSCS up to GBP 85,000
Cons
- Protection on investments is EU ICS up to EUR 20,000, well below the FSCS up to GBP 85,000 that covers savings
- The rate is variable, so the headline figure can move
- The minimum deposit of £100 is above the €0.88 median across the site
Who it suits
- UK savers who want a variable rate and no monthly charge
- Anyone holding an ISA who values easy access over a fixed term
- Savers comfortable choosing a marketplace rather than a single bank's savings account
Who should look elsewhere
- Vantage or eToro readers who want to pick and trade investments rather than hold savings
- Vivid Plus readers who want a multi-currency account with a card
- Anyone whose balance sits above the protection on investments
How Raisin compares
8.8 vs 9.4
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8.8 vs 9.4
8.8 vs 9.3
8.8 vs 8.7
8.8 vs 9.2eToro charges an account fee of $0 and is aimed at trading and investing rather than a savings balance.
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.0
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.8
Where Raisin is available
- Available
- Austria, Finland, France, Germany, Ireland, Netherlands, Poland, Spain, United Kingdom, United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Raisin pay on its easy-access savings account?+
The easy-access account pays a variable rate of 4.15%. Because the rate type is variable, that figure can change, so the headline number is a starting point rather than a promise. The account carries no fixed term.
Is there any monthly or account fee at Raisin?+
No. The account fee is £0 and the monthly fee is £0, so there is no monthly charge on the easy-access account. The account kind is easy access, which suits a no monthly fee model.
How much do I need to deposit to open an account?+
The minimum deposit is £100. That is higher than the €0.88 median minimum across the site, so check the figure before transferring. The account kind listed is easy access.
What protection covers my money at Raisin?+
Savings held on the platform are covered by FSCS up to GBP 85,000. Investments, by contrast, sit under EU ICS up to EUR 20,000, a different scheme with a much lower ceiling. The two protections do not cover the same money.
Which account types can I open?+
The account types listed are isa, alongside an easy-access savings account on the Raisin UK marketplace. With that account you can top up and withdraw at your convenience and there is no fixed term.
Who runs and regulates Raisin?+
The operating company is Raisin SE, and the listed regulator entry is Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76). Support runs on phone, email and help centre, so the team can be reached by phone, email or the help centre.
Can I withdraw money whenever I want?+
Yes. The account is easy access with no fixed term, so you can top up and withdraw at your convenience. Nothing locks your balance for a set period, which suits a savings pot you may want to move.
Sources
- raisin.com/en/site-information checked September 26, 2026
Backs: Headquarters, Investor protection, Regulators
“Registered Office: Berlin, Germany”
- raisin.com/en-gb checked September 26, 2026
Backs: Account fee, Account types
“No faff. No fuss. No fees.”
- raisin.com/en-gb/about-us checked September 26, 2026
Backs: Deposit protection
- raisin.com/en-gb/savings-accounts/easy-access-savings-acc... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“giving you the freedom to top up and withdraw money at your convenience”
- raisin.com/en-us checked September 26, 2026
Backs: Management fee, Minimum investment, Portfolio types, Support channels
“Raisin's platform is free to use, with no account fees or minimum balance requirements.”
- raisin.com/en-us/about-us checked September 26, 2026
Backs: Founded
“Since launching in 2012, Raisin has helped millions of customers”
- raisin.com/en/corporate/site-information checked September 26, 2026
Backs: Legal entity
“Raisin SE Schlesische Straße 33/34 10997 Berlin, Germany”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Inactivity fee, Markets, Retail accounts that lose money.
Raisin
Savers who want an easy-access account with a variable rate and no monthly fee.