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The Federal Republic of Germany is the largest economy and the main export-power among European Union member states. Germany is also one of the few nations in the world that has obtained the highest rating, “AAA”, for its sovereign debt from the three major credit rating agencies.

Germany

Germany does not levy withholding tax on non-residents, i.e. you are automatically exempt from withholding tax and do not have to do anything else.

Aareal Bank AG, headquartered in Wiesbaden, is a leading international real estate specialist. The bank's origins date back to 1923. It offers financing, software products and digital solutions for the real estate sector and related industries. Aareal Bank operates on three continents - Europe, North America and Asia/Pacific - and supports real estate financing in more than 20 countries.

Aareal Bank AG

Deposits including accrued interest income are legally protected up to an amount of EUR 100,000 per customer and per bank by the Entschädigungseinrichtung deutscher Banken GmbH. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.   It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Compensation Scheme of German Banks GmbH

Sweden is a member of the European Union since 1995, however it has its own currency, the Swedish Krona (SEK). Sweden is distinguished by its highly industrialised economy, based on cutting-edge technology in key sectors such as automotive, electronics and telecommunications. Its strong social welfare network, including a high quality public health and education system, reinforces its position as a society with high levels of equality and well-being. In addition, its focus on environmental sustainability and technological innovation has positioned the country as a leader in the transition to a green economy. Its policy of openness to international trade and its political and social stability continue to attract investment from around the world.

Sweden

HoistSparen is part of Hoist Finance AB (publ), a credit market company supervised by the Swedish FSA. HoistSparen offers savings accounts with attractive terms and conditions to private customers in selected European markets. 

Hoist Finance is an asset manager specialised in debt restructuring, set to become the leading NPL asset manager of secured and unsecured consumer- and SME loans in Europe. Hoist Finance was founded in Sweden in 1994 and is today present in 11 European markets. The HOFI-share is listed on Nasdaq Stockholm. For more information, please visit hoistfinance.com.

HoistSparen

In accordance with EU Directive 2014/49/EU, deposits with this Bank, inclusive of accrued interest not yet credited, are guaranteed by the Swedish statutory deposit guarantee scheme up to (the equivalent in euros of) SEK 1,050,000 per account holder, per bank. This amount also includes possible deposits and/or savings accounts ordered outside Raisin Bank. This protection covers the deposits of all natural persons, not only Swedish citizens.   In the event of an intervention by the Swedish DGS, the payment shall be made in Euros to your Raisin Account, within 7 business days from the time the DGS comes into effect. In this case, the exchange rate applied will be the one valid at the time of the bank’s administrative settlement process and is thus subject to currency fluctuations.   The administrator and executor of the deposit guarantee scheme is Riksgälden. For more information please visit https://www.riksgalden.se/en/)

Swedish Deposit Protection Fund

Nordax Bank is a Swedish financial institution that specializes in consumer banking services across Northern Europe. Founded in 2003, Nordax primarily focuses on providing loans and savings products to cusotmers across Scandavia and Germany. The bank prioritises simplicity, efficiency, and customer-centric solutions in its operations. Nordax offers various loan products, including personal loans, refinancing options, and credit cards, tailored to meet the diverse needs of its clientele. With a commitment to responsible lending practices, Nordax prioritizes transparency and fair terms for borrowers. The bank's online platform facilitates easy access to financial services, allowing customers to manage their accounts conveniently. Nordax Bank's growth and reputation stem from its dedication to delivering reliable banking solutions while maintaining a strong emphasis on customer satisfaction and financial stability in the dynamic European market.

Nordax Bank AB publ

Resurs Bank, a key entity within The Resurs Group and a leading force in retail finance across the Nordic region, is a Swedish financial services company established in 1977. Over the years, Resurs has become a premier partner for sales-driven payment and loyalty solutions in retail and e-commerce. The bank collaborates with over 1,200 retail partners and 35,000 stores, serving approximately 5.7 million private customers across Sweden, Denmark, Norway, and Finland, making it one of the fastest-growing niche banks in the Nordics.

In the private sector, Resurs has broadened its offerings to include savings accounts, insurance policies, consumer loans, and credit cards. The bank obtained its banking licence in 2001 and operates under the supervision of the Swedish Financial Supervisory Authority. Headquartered in Helsingborg, Sweden, Resurs maintains full-service offices in Oslo, Copenhagen, and Helsinki.

Resurs Bank

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<h4>Easy</h4>A single login provides access to over 100 savings accounts from more than 25 banks across Europe. With no fees, saving with Raisin Bank is online and hassle-free.

<h4>Flexible</h4>Whether you want to lock your money away at a fixed rate, or have easy access to your savings whenever you need them, we have savings accounts to suit you.

<h4>Secure</h4>All of our savings accounts are secured by European Deposit Guarantee Schemes, allowing you to choose between competitive interest rates with peace of mind.

Why save with Raisin Bank?

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<h4>Sign up for free</h4>First, register for your free Raisin Account, and verify your identity and address through online banking.

<h4>Pick your product</h4>Choose a savings account, decide the amount you wish to deposit, and submit your application.

<h4>Start saving</h4>Then, securely transfer your deposit to your Raisin Account, and we’ll take care of the rest!

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Download the Raisin Bank app and manage your savings wherever you are

Our comprehensive guides cover everything from early retirement to the different types of pensions available in Ireland. 

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Grow your money with Raisin Bank, and access zero-fee savings accounts at attractive interest rates from hand-picked banks outside of Ireland.

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2.80%

AER

2.75%

AER

2.60%

AER

2.47%

AER

Why save with Raisin Bank?

Easy

Flexible

Secure

How does it work?

Sign up for free

Pick your product

Start saving

Download the Raisin Bank app to manage your savings anytime, anywhere.

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Guide to pensions

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Guide to pensions

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Guide to investments