Younited Credit
France
(AA-)
(AA-)• Start saving from €2,000 up to €100,000
• Deposit Guarantee protection Up to €100,000 payout in EUR
No withholding tax
Our offers
Show all offers of the bank
Rate
Term
Currency
Product Type
Gross rate
3.17%
AER
3.17%
Compound interest
No
Term
1 Year
Availability
When the deposit reaches maturity
Interest capitalisation?
No, Interest is paid at maturity
Interest payment
At maturity
Interest type
Fixed - The rate won't change for the entire term.
Renewal
You can choose to extend this deposit if you enable the option in your Raisin Account
About the Bank
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.
Deposit Guarantee Scheme
In accordance with EU Directive 2014/49/EU on Deposit Guarantee Schemes, your savings - including interest that has accrued but not yet credited - are guaranteed by the French statutory deposit guarantee scheme up to €100,000 per account holder per bank (keep the latter in mind, should you still hold balances with the bank in question outside of Raisin). Repayment is made in euros. The refundable amount will be made available to the account holder within 7 business days from the time the deposit guarantee scheme comes into effect. The guarantee applies to all natural persons, whether resident in France or elsewhere. Manager and executor of the deposit guarantee scheme is the Fonds de Garantie des Dépôts et de Résolution (https://www.garantiedesdepots.fr/en).
Tax process and documentation
In France, no withholding tax is levied on interest income for persons with permanent residence abroad.
Raisin Bank's role
With Raisin Bank, one login gives you access to competitive savings accounts from banks across Europe, allowing your savings to work even harder. No fees, no paperwork: saving with Raisin Bank is online and hassle-free.