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

The Kingdom of Spain is located in the southwest of Europe on the Iberian Peninsula and borders France, Portugal, Andorra and Morocco. The country has been a member of the European Union since 1986 and, like Germany, introduced the euro as a means of payment in 2002.

As Spain is the second most popular vacation destination in the world, tourism represents the largest part of Spain's economic power. This is followed by the industrial sector and the agricultural sector.

After the recession in 2011, the Spanish economy is again in a steady upswing and is considered one of the fastest and most sustainably growing economies within the European Union.

Spain

The withholding tax rate of 19% on interest income in Spain can be reduced to 0% for customers from Ireland, as you must to provide the Spanish tax form ("Declaración de Residencia Fiscal") when you first open an account with each of our partner banks in Spain. This form is sufficient to reduce the withholding tax and only needs to be submitted once per person and per partner bank.

BFF Banking Group is the largest operator of specialized financing in Italy and a leading player in Europe specializing in the management and non-recourse factoring of trade receivables from public administration, investment services, banking and corporate payments. The group operates in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, Slovakia and Spain. BFF is listed on the Italian stock exchange.

Please note:
BFF Bank has a banking license in Italy. However, the bank offers deposits via Raisin Bank through its Spanish branch (Sucursal en España) in Madrid. This means that your savings with the bank are covered by the Italian deposit guarantee (up to €100,000 per account holder per bank), but Spanish withholding tax applies (which you can easily exempt when opening your term deposit, i.e. reduce to 0%).


Italy is a republic in the South of Europe. It has one of the biggest economies in the world and is rated as a highly developed stated on the Human Development Index. Italy is one of the founding members of the European Union and uses the Euro as a currency since 2002.

Italy

Deposits including accrued interest income are legally protected by the Italian Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. 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.

Interbank Deposit Protection Fund (FITD)

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

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

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

Latvia, located in the centre of the Baltic States, is an independent parliamentary democracy since 1991, a member of the European Union (EU) since 2004 and part of the euro zone since 2014. The Latvian economy is characterised by a high degree of business-friendliness, which is also reflected in a large number of successful start-ups, especially in the capital Riga. Latvia's economic growth is stable and the national debt is very low by European standards at 37.9 % of GDP (as of 2016). Culturally, Latvia is characterised by strong Northern European influences, Hanseatic architecture and its famous music folklore.

Latvia

In Latvia, a withholding tax of 20 % will be levied on interest payments from 1 January 2018, although this can be reduced. In order for the withholding tax to be reduced to 10%, the Bank must receive a certificate of residence no later than eight weeks before the due date. You should be able to claim additional tax relief for this foreign tax in Ireland.

Rietumu Bank is a Latvian bank headquartered in Riga, Latvia. Established in 1992, it has become one of the leading banks in the Baltic region, offering a wide range of financial services to individuals and businesses. The bank specializes in corporate banking, private banking, and investment services, catering to both local and international clients. Rietumu Bank is known for its expertise in international trade finance, capital markets, and wealth management solutions. It has built a reputation for reliability and professionalism, attracting clients from various industries worldwide. The bank adheres to strict regulatory standards and is committed to maintaining the highest level of integrity and customer service.

Rietumu Bank

The statutory Deposit Guarantee Scheme in Latvia guarantees deposit amounts up to a maximum of 100,000 Euro per bank and customer. Further information about the Deposit Guarantee Scheme can be found at http://www.fktk.lv/en. Within the European Union, the minimum amount guaranteed by Deposit Guarantee Schemes of each member state has been harmonized by EU directives 94/19/EG, 2009/14/EG and 2014/49/EU.

The Deposit Guarantee Fund of Latvia

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<h4><strong>Easy</strong></h4><p><span style="font-size: 12pt;">A single login provides access to over 100 savings accounts from more than 20 banks across Europe. With no fees, saving with Raisin is online and hassle-free.</span></p>

<h4><strong></strong><span><strong>Flexible</strong></span></h4><p><span style="color: rgb(64, 64, 64);font-size: 13pt;">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.</span></p><p></p>

<h4><strong>Secure</strong></h4><p><span style="color: rgb(64, 64, 64);font-size: 13pt;">All of our savings accounts are secured by European Deposit Guarantee Schemes, allowing you to choose between competitive interest rates with peace of mind.</span></p>

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

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

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

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<p>Raisin.ie in <a href="https://www.independent.ie/business/savings-platform-raisin-eyes-up-a-bigger-stake-in-irish-market/a464451115.html" target="_blank">the media</a></p>

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Global diversifiziertes Portfolio mit 6 ETFs und 1 Indexfonds inkl. jährlichem Rebalancing und Wiederanlage von Ausschüttungen

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