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Raisin.nl is an online platform that is part of the Raisin GmbH fintech group based in Germany. It allows customers from the Netherlands to place their savings in banks across Europe under more favorable terms than those offered by the local market. The service is focused on secure fixed-term deposits and savings accounts insured within the EU.


Raisin.nl offers a unified interface for placing deposits with various banks in Europe. After completing identity verification, the user gains access to deposit offers from banks registered in the EU. Fund management is done through a single personal account, and transfers are processed via Raisin Bank AG, a licensed partner bank based in Germany. All deposits are insured under national deposit guarantee schemes up to €100,000 per bank.

• The user opens a single account via Raisin.nl
• After verification, deposit and savings account offers become available
• Applications are submitted online, and funds are transferred directly to the chosen bank
• Funds are automatically returned upon maturity

The platform offers convenient access to higher interest rates than those available at Dutch banks, which is especially valuable in a low-rate environment. Raisin cooperates only with licensed banks, adding to its reliability. The absence of fees for account opening and maintenance makes the service particularly attractive for long-term saving. An additional advantage is centralized management of all deposits through a single account.


The main downside is that fixed-term deposits cannot be withdrawn early without losing interest or facing restrictions. Additionally, some users may find the language barrier challenging when dealing with banks from other EU countries. In certain cases, delays in transfer confirmation or identity verification have been reported. Finally, the lack of investment or multi-currency options makes the platform narrowly specialized.


Users of the platform share varied experiences with Raisin.nl. Here are a few typical reviews:

• "I opened a deposit with a bank in Latvia, everything went smoothly. The rate was almost double compared to ING."
• "I liked that you can manage all deposits in one place. No need to open accounts with each individual bank."
• "Registration took a few days, and I had to send copies of my documents. A bit tiring."
• "The return of funds after maturity took almost a week. I expected it faster."
• "No way to top up a deposit after opening it. You have to transfer the full amount at once."

Raisin.nl is a stable and functional tool for saving money with higher yields. The platform is well-suited for those who value reliability, simplicity, and don't require active investment management. However, it's important to read the terms of each offer carefully and consider the limitations related to fixed terms.

If you've experienced issues using the platform or would like to share important feedback, contact us at: admin@forum2.pl