Raisin 2026: how Raisin works
Updated
In October 2026 Raisin's Finnish site has 14 partner banks. The highest 12-month rate is 3.30% (BluOr Bank), the highest rate for any term is 4.25% (Achmea Bank, 120 months). Raisin is not a bank but a platform, and the same bank may offer a different rate directly and through Raisin, so always compare both.
What is Raisin?
Raisin SE runs an online platform through which the customer makes deposits into the products of Raisin's partner banks through an account opened with Raisin Bank AG. Raisin Bank AG is a German credit institution owned by Raisin SE. Raisin says it is supervised by the German financial supervisor BaFin and operates in 11 markets, and the company was founded in Germany in 2012 (Raisin's own information). Source: Raisin: etusivu (retrieved 16 October 2026).
How does Raisin work?
- You register once and identify yourself by video call or app with a passport or identity card and proof of address (Raisin's own information).
- You transfer the funds from your own bank account to the Raisin account.
- Raisin directs the funds to the partner bank's savings account or fixed-term deposit that you choose.
Deposits start from €1, and the maximum is usually €100,000. The exact limits are product-specific. According to Raisin's own information the service is free for the customer, and Raisin earns its commission from the partner banks.
Partner bank offers
Below are all the partner banks and their offers for Finland as Raisin published them on 16 October 2026. Pankkitutka does not arrange or recommend them, and the rates are those stated by Raisin.
| Partner bank | Country | Deposit guarantee | Savings account | Fixed-term deposits | Minimum | Mention of foreign withholding tax |
|---|---|---|---|---|---|---|
| Achmea Bank | the Netherlands | Dutch deposit guarantee scheme (home country), limit not known | not offered | 9 months 2.65%, 12 months 2.74%, 24 months 3.28%, 36 months 3.48%, 48 months 3.56%, 60 months 3.70%, 72 months 3.85%, 84 months 3.90%, 96 months 4.05%, 108 months 4.10%, 120 months 4.25% | €5,000 | Raisin: no foreign withholding tax |
| BluOr Bank | Latvia | Latvian deposit guarantee scheme (home country), limit not known | 2.40% | 3 months 0.01%, 6 months 2.85%, 9 months 2.90%, 12 months 3.30%, 24 months 3.35%, 36 months 2.00% | not available | no mention |
| SME Bank | Lithuania | Lithuanian deposit guarantee scheme (home country), limit not known | not offered | 3 months 1.00%, 6 months 1.50%, 9 months 1.50%, 12 months 3.20%, 18 months 3.30%, 24 months 3.30%, 36 months 2.40% | €20,000 | no mention |
| Hamburg Commercial Bank | Germany | German deposit guarantee scheme (home country), limit not known | not offered | 24 months 3.10%, 36 months 3.15%, 48 months 3.20%, 60 months 3.25% | €5,000 | Raisin: no foreign withholding tax |
| Myntro | Sweden | Swedish deposit guarantee scheme (home country), limit not known | not offered | 24 months 3.20%, 36 months 3.35%, 48 months 3.60%, 60 months 3.67%, 72 months 3.70%, 84 months 3.70%, 96 months 3.75%, 108 months 3.75%, 120 months 3.85% | €500 | Raisin: no foreign withholding tax |
| Klarna Bank | Sweden | Swedish deposit guarantee scheme (home country), up to 1,150,000 Swedish kronor | 2.01% | 3 months 1.65%, 6 months 1.96%, 9 months 2.27%, 12 months 2.76%, 18 months 2.92%, 24 months 2.96%, 36 months 3.00%, 48 months 3.05% | not available | Raisin: no foreign withholding tax |
| IBL Banca | Italy | Italian deposit guarantee scheme (home country), limit not known | not offered | 3 months 2.41%, 6 months 2.51%, 12 months 2.61%, 18 months 2.61%, 24 months 2.66%, 36 months 2.70% | €10,000 | Raisin: no foreign withholding tax |
| Rietumu Bank | Latvia | Latvian deposit guarantee scheme (home country), limit not known | not offered | 6 months 2.00%, 12 months 2.30%, 24 months 2.50%, 36 months 2.60%, 48 months 2.45%, 60 months 2.45% | €5,000 | no mention |
| Resurs Bank | Sweden | Swedish deposit guarantee scheme (home country), up to 1,150,000 Swedish kronor | 2.20% | 6 months 2.25%, 9 months 2.25%, 12 months 2.35%, 24 months 2.85% | not available | Raisin: no foreign withholding tax |
| Collector Bank | Sweden | Swedish deposit guarantee scheme (home country), up to 1,150,000 Swedish kronor | 2.05% | 3 months 1.90%, 24 months 2.56%, 36 months 2.65%, 48 months 2.75% | not available | Raisin: no foreign withholding tax |
| Morrow Bank | Sweden | Swedish deposit guarantee scheme (home country), up to 1,150,000 Swedish kronor | not offered | 24 months 2.40% | €500 | Raisin: no foreign withholding tax |
| A&G Banco | Spain | Spanish deposit guarantee scheme (home country), limit not known | not offered | 3 months 1.00%, 6 months 1.50%, 12 months 1.60%, 24 months 2.00% | €20,000 | Raisin: no foreign withholding tax |
| EuroExtra | Germany | German deposit guarantee scheme (home country), limit not known | 2.20% | not offered | not available | Raisin: no foreign withholding tax |
| FCM Bank | Malta | Maltese deposit guarantee scheme (home country), limit not known | 2.26% | not offered | not available | Raisin: no foreign withholding tax |
Source: Raisin: kumppanipankit (retrieved 16 October 2026); Raisin: määräaikaistalletukset (retrieved 16 October 2026). The maximum deposit is usually €100,000, and €1,000,000 at EuroExtra. The table gives the offers as Raisin published them, and Pankkitutka has not checked them on the banks' own sites.
Directly or through Raisin?
The same bank may offer a different rate on its own site and on Raisin. Below are the banks whose own offer is found in Pankkitutka's data.
Klarna: own offer and Raisin
| Product | Directly | On Raisin | Difference |
|---|---|---|---|
| Savings account | 2.20% | 2.01% | -0.19 pp |
| 3 months fixed-term deposit | 1.84% | 1.65% | -0.19 pp |
| 6 months fixed-term deposit | 2.15% | 1.96% | -0.19 pp |
| 9 months fixed-term deposit | 2.46% | 2.27% | -0.19 pp |
| 12 months fixed-term deposit | 2.95% | 2.76% | -0.19 pp |
| 18 months fixed-term deposit | 3.11% | 2.92% | -0.19 pp |
| 24 months fixed-term deposit | 3.15% | 2.96% | -0.19 pp |
| 36 months fixed-term deposit | 3.19% | 3.00% | -0.19 pp |
| 48 months fixed-term deposit | 3.24% | 3.05% | -0.19 pp |
Collector (Norion Bank): own offer and Raisin
| Product | Directly | On Raisin | Difference |
|---|---|---|---|
| Savings account | 2.65% | 2.05% | -0.6 pp |
The sources for the direct rates are the own pages of Klarna and Collector, and for the Raisin rates the Raisin partner bank pages (retrieved 16 October 2026).
Deposit guarantee at Raisin
The funds in a Raisin account (Raisin Bank AG) are protected by the German deposit guarantee (Entschädigungseinrichtung deutscher Banken) up to €100,000. Deposits made to partner banks are covered by each bank's home-country deposit guarantee, typically €100,000 or an equivalent amount in the local currency (e.g. Sweden 1,150,000 SEK) per bank. The Financial Stability Authority takes part in compensation only if the partner bank has its registered office or a branch in Finland.
Read more in the guide deposit guarantee and see the other providers in the savings rates comparison.
Taxation
Interest received from abroad is taxable capital income in Finland (30% / 34%), and you declare it yourself. Foreign interest income may not appear automatically in the pre-filled tax return. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state. Sources: Verohallinto: ulkomailta saadut korkotulot (retrieved 16 October 2026); Raisin: verotus (retrieved 16 October 2026).
Most partner banks pay the interest gross without local withholding tax, and the information on each product states whether withholding tax is deducted. Raisin provides an annual summary for the tax return (Raisin's own information). The Raisin pages of the Latvian and Lithuanian banks do not mention the absence of foreign withholding tax. Read tax on savings deposits.
Pros and cons
Pros
- Pro: One registration and one account for several banks (Raisin's own information)
- Pro: The service is free for the customer (Raisin's own information)
- Pro: Access to banks whose deposits are available in Finland only through Raisin: Resurs Bank and Morrow Bank
Cons
- Con: The rate may be lower than on the bank's own site
- Con: As a rule, you cannot withdraw from a fixed-term deposit during the term
- Con: Foreign interest income is declared by you
- Con: The Financial Stability Authority takes part in compensation only if the partner bank is domiciled in Finland or has a branch here
Raisin's banks in Pankkitutka's comparison
See all providers in the savings rates comparison and the fixed-term deposit comparison.
Sources
- Raisin: Parhaat talletuskorot Euroopastaretrieved 16 October 2026
- Raisin: Kumppanipankitretrieved 16 October 2026
- Raisin: Achmea Bankretrieved 16 October 2026
- Raisin: BluOr Bank ASretrieved 16 October 2026
- Raisin: SME Bankretrieved 16 October 2026
- Raisin: Klarna Bank ABretrieved 16 October 2026
- Raisin: Myntroretrieved 16 October 2026
- Raisin: Hamburg Commercial Bankretrieved 16 October 2026
- Raisin: IBL Bancaretrieved 16 October 2026
- Raisin: Rietumu Bankretrieved 16 October 2026
- Raisin: Resurs Bankretrieved 16 October 2026
- Raisin: Collector Bankretrieved 16 October 2026
- Raisin: Morrow Bank ABretrieved 16 October 2026
- Raisin: A&G Bancoretrieved 16 October 2026
- Raisin: EuroExtraretrieved 16 October 2026
- Raisin: FCM Bankretrieved 16 October 2026
- Raisin: Talletussuojaretrieved 16 October 2026
- Raisin: Määräaikaistalletuksetretrieved 16 October 2026
- Rahoitusvakausvirasto: Talletussuojajärjestelmän pankitretrieved 16 October 2026
Information checked 16 October 2026. Check the current rate and terms with Raisin and the partner bank.
Frequently asked questions
What is Raisin?
Raisin SE runs an online platform through which the customer makes deposits into the products of partner banks through an account opened with Raisin Bank AG. Raisin Bank AG is a German credit institution owned by Raisin SE. Raisin says it operates in 11 markets and was founded in Germany in 2012 (Raisin's own information).
Is Raisin safe?
The funds in a Raisin account are covered by the German deposit guarantee up to €100,000, and the deposits in partner banks are covered by the deposit guarantee of each bank's home state. The Financial Stability Authority takes part in compensation only if the partner bank is domiciled in Finland or has a branch here. Check the cover of each bank in the product information.
What does Raisin cost?
According to Raisin's own information the service is free for the customer, and Raisin earns its commission from the partner banks. Deposits start from €1, and the maximum is usually €100,000.
Is the Raisin rate better than the bank's own rate?
Not necessarily. In October 2026 Klarna savings account: directly 2.20%, on Raisin 2.01%, Klarna 12 months fixed-term deposit: directly 2.95%, on Raisin 2.76% and Collector (Norion Bank) savings account: directly 2.65%, on Raisin 2.05%. Always compare the bank's own offer before going through Raisin.
Is interest received through Raisin taxed in Finland?
Interest received from abroad is taxable capital income in Finland (30% / 34%), and you must declare it yourself. Most partner banks pay the interest gross without local withholding tax, and Raisin provides an annual summary for the tax return (Raisin's own information).