In 2001, four Latvian entrepreneurs founded BluOr Bank AS (hereinafter „BluOr Bank“) in Riga - initially as a bank only for companies engaged in international trade or acting as a holding company - gradually adding products for private customers.

Today, BluOr Bank is the ninth largest bank in the country in terms of assets under management and has built its reputation as a reliable partner and financially stable organisation over the 21 years of the bank's existence. The bank is highly liquid every year and has remained profitable during Latvia's economic slowdown

BluOr Bank AS

Younited Credit SA (“Younited”) is an online banking platform specialised in consumer loan, founded in 2009 and headquartered in Paris, France. The company, operating in Continental Europe, is authorized and regulated as a Credit Institution and Investment Service Provider by the French Central Bank Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) (license number: 16488).
The platform employs a staff of 250, with local offices in Paris, Rome and Barcelona.

In September 2017, Younited has welcome BPI France (the French public bank) as new shareholder, alongside with historical institutional shareholders such as Crédit Mutuel Arkéa (a leading French bank), Eurazeo (multinational investment fund) or AG2R (insurance company). Younited is now regarded as one of the most promising FinTechs in Europe, and plans to continue its international expansion by opening new offices in the coming years.

Younited Credit

J&T Banka was established in Prague in 1998 and is one of the largest private banks on the Czech market. The bank is a reliable partner especially for customers with high demands on service and product quality. In addition to complex private banking services, J&T Banka offers special financing for real estate and corporate acquisitions as well as securities transactions for private investors.

J&T Banka

Crédit Agricole Auto Bank is an international banking group, present in 19 European countries. It’s part of the Crédit Agricole Group, the tenth largest bank in the world and the first in Europe by number of retail customers.

CA Auto Bank is a leading player in vehicle financing and leasing and in the mobility sector, with a complete range of financial, insurance and rental solutions, and more than 50 prestigious brand partners.

The Bank’s history began in 1925: for almost 100 years it has accompanied the evolution of the automotive sector in Europe. CA Auto Bank has also long been active in daily banking, particularly in Italy and Germany, with its deposit accounts. CA Auto Bank's deposit accounts have proven to be one of the instruments that best meets customers' savings needs, thanks to the Bank’s soundness and transparency.

The Bank’s mission, “Creating everyday mobility solutions for a better planet”, sums up its raison d'être: to drive the energy transition in the sector, making access to zero- and low-emission vehicles increasingly democratic and affordable for everyone.

CA Auto Bank

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)

Today's Morrow Bank is a modern and digital niche bank based in Lysaker, Norway. It was founded in 2014 under the name Komplett Bank and was listed on the main index of the Oslo Stock Exchange in 2017. 
 
Operational efficiency and low costs are the foundations for the bank and are enabled by centralized operations, modern systems and a digital setup. Morrow Bank's offerings include consumer loans, credit cards and purchase financing for consumers in Norway, Sweden and Finland. In addition, Morrow Bank systematically tackles financial crime, promotes equality and diversity, and helps its customers take responsibility for their own financial situation.

Morrow Bank ASA

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

Fjord Bank is a digital consumer finance bank based in Lithuania, founded in 2019. The bank focuses on providing straightforward online loans and savings products. 
In December 2019, Fjord Bank received a specialized bank license from the European Central Bank, facilitated by the Bank of Lithuania. Fjord Bank operates entirely online and offers a range of services including deposit accounts, consumer loans, car loans, and home improvement loans. The bank's savings accounts are protected under Lithuania's deposit guarantee scheme, which covers deposits up to €100,000 per account holder​.

Fjord Bank

Founded in 2005, Privatbanka in Bratislava, Slovak Republic, was the first bank in Slovakia to specialize in private banking services, individual investment strategies and tailor-made investment solutions for wealthy clients. The bank has also expanded its activities to other areas, in particular corporate banking and retail banking with fixed-term deposits and corporate bonds.

Privatbanka, a.s.

A&G Banco, established in 2014 as part of the A&G Group with roots tracing back to 1987, operates from its Madrid headquarters with 10 additional branches across Spain.

It specializes in offering competitive banking services tailored to the needs of high-net-worth individuals worldwide. Providing exclusive advisory and management services, the bank focuses on wealth management, investment management, estate planning, and asset allocation strategies, to private and institutional clients alike.

Known for its personalized approach, A&G builds long-term relationships with clients, delivering tailored solutions to meet their financial goals, becoming a trusted partner in the Spanish financial sector.

A&G Banco

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%).


Since 2005 Klarna has been on a mission to revolutionize the retail banking industry. With over 150 million global active users and 2 million transactions per day, Klarna is meeting the changing demands of consumers by saving them time and money while helping them be informed and in control. Klarna works with over 500,000+ retailers such as H&M, Spotify, MediaMarkt, Expedia, Adidas and Deutsche Bahn and currently employs over 5,000 people in 45 countries.

Klarna Bank AB

Founded in 1994, Izola Bank is an online bank based in Valletta, Malta. It offers competitive, simple and user-friendly financial products to corporate and retail customers in Belgium, France and Malta.

The bank was originally established to support the financial management of the Van Marcke Group. The Van Marcke Group, based in Kortrijk, Belgium, is one of Europe's largest suppliers in the wholesale plumbing and heating products sector. The family business continues to hold full ownership of the bank, which is now the 14th largest bank in Malta in terms of total assets.

Izola Bank has invested heavily in its IT and e-business infrastructure. This ensures that every transaction is reliable and, above all, secure. As a purely internet-based bank, Izola also manages to make many cost savings, which they pass on to their customers in the form of higher interest rates.

Izola Bank

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

TF Bank was founded in Borås, Sweden, in 1987 with the aim of offering customers a financing solution when ordering goods by catalogue. Over the years, the Group has grown in terms of its product range, turnover and geographical presence. Today, in addition to Sweden, TF Bank is also active in Finland, Norway, Denmark, Estonia, Poland, Latvia and Germany. In 2016, TF Bank was listed on the Nasdaq Stockholm Stock Exchange and has been a registered Swedish public limited company ever since.

Today, the bank's focus is on personal loan and credit card business as well as financing in the e-commerce sector, among other things. The deposit business is also a mainstay of TF Bank's business model. TF Bank's largest shareholders are TFB Holding AB (47%), the property company Erik Selin Fastigheter AB (9%), Merizole Holding LTD (7%) and Swedbank Robur Fonder (6%). A further 30 % of the shares are in free float.

TF Bank AB (publ)

Banca Privata Leasing S.p.A. was founded in 1987 as a leasing company in the Italian region of Reggio Emilia (Emilia-Romagna), an area that has always been the scenario of important economic and social development in Italy. In September 2011, BPL obtained a banking licence, expanding its portfolio of financial products. Banca Privata Leasing is an independent, private bank, specialised in leasing and online deposit-taking. The bank also has offices in Milan. The bank focuses mainly on the SMEs and freelancer segments with leasing and lending offers, as well as a wide range of financing solutions for individuals. The products offered by Banca Privata Leasing through Raisin Bank can be ordered 100% online and in just one minute through your inline banking, no additional documents are required.

Banca Privata Leasing

Banco Português de Gestão is a Portuguese private corporate and investment bank founded in 2000. In addition to its main branch in Lisbon, the bank has a branch in Porto. The majority shareholder of Banco Português de Gestão, with over 98%, is the private and non-profit foundation Fundação Oriente.

Banco Português de Gestão's offering includes investment banking, corporate banking, retail banking, financing and asset management services for small and medium-sized enterprises (SMEs), as well as wealthy individuals and government institutions. The bank also provides tailor-made solutions for the special requirements of the welfare state institutions that are part of its customer base.

Banco Português De Gestão

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<h4><strong>Easy</strong></h4><p><span style='font-size: 12pt;'>A single login provides access to over 80 savings accounts from 17 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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What is AER, and how does it work?