Overview
- Raisin currently lists a 10‑year fixed‑term deposit yielding up to 3.17% via Netherlands‑based Achmea Bank, which is noted with an AAA rating.
- The platform provides German savers fee‑free access to more than 170 European partner banks to compare and open euro‑denominated time deposits.
- Consumer guidance contrasts flexible, variable‑rate Tagesgeld with Festgeld that locks a fixed rate for a set term at the cost of limited liquidity.
- Short‑term promotional Tagesgeld can briefly exceed 3%, whereas sustained rates above 3% on Festgeld are generally available only at very long maturities.
- Regulators and consumer groups urge verification of the responsible national deposit guarantee—typically €100,000 per person per bank—and attention to inflation, early‑withdrawal limits, and any voluntary protections.