5 years in EUR
4 years in EUR
3 years in EUR

 View all offers

Partner Bank Atlântico Europa

Founded in 2009, Atlântico Europa is a digital based relationship bank headquartered in Lisbon. As one of the fastest growing financial institutions in the country, Atlântico Europa strives to create value for its individual, corporate and institutional clients, offering them a wide variety of financial services, ranging from savings and day-to-day banking products to trade finance and highly complex advisory solutions.  Atlântico Europa has a solid capital base (tier 1 ratio amounting to 13.2% as of December 2015) and is committed to a continuous profitable growth, based on solid revenues, controlled expenses and meticulous management of risks.

Atlântico Europa is audited by the international accounting firm KPMG and covered by the Deposit Guarantee Fund of the Portuguese Republic (FGD, Fundo de Garantia de Depósitos), which protects all deposits up to EUR 100,000 per customer and bank.

About Portugal

Portugal is located in the west of the Iberian Peninsula and is a popular destination for tourists. The Southern European country has been a member of the EU since 1986, was a founding member of NATO, and introduced the euro as its currency in 2002 upon its inception. Apart from tourism, the service sector is the largest source of income. Portugal depends mainly on trade with its EU partners.

Deposit Guarantee Portugal

Deposits with Atlântico Europa are fully protected for amounts up to EUR 100,000 by the Deposit Guarantee Scheme of Portugal (Fundo de Garantia de Depósitos), backed by the Portuguese state. This protection covers the deposits of all individuals, not just Portuguese citizens. Further information about the Deposit Guarantee Scheme in Portugal can be found at http://www.fgd.pt/en-US/Pages/inicio.aspx.

All Member States of the European Union have agreed on the need to better protect savers. Throughout Europe, the minimum requirements for national Deposit Guarantee Schemes were harmonized a number of years ago (EU Directives 94/19/EC, 2009/14/EC, and 2014/49/EU). These Directives provide a standardized, high level of protection of deposits across the EU regulating, among other things, repayment modalities and repayment deadlines.

All Bank offers

1.64 %
5 years EUR Go to offer
1.61 %
4 years EUR Go to offer
1.28 %
3 years EUR Go to offer
1.25 %
1 year EUR Go to offer
1.14 %
2 years EUR Go to offer
0.20 %
6 months EUR Go to offer

Tax process and documents

Portugal has a withholding tax rate of 28% (the exact rate may differ depending on your country of residence), and, due to Double Taxation Agreements (DTAs) you have the option to reduce this rate.

Please provide one of the following proofs of occupation: i) Employee: (a) copy of payroll or (b) certificate by employer; ii) Self-employed person: (a) current copy of the commercial register or (b) recent income tax assessment or (c) current confirmation by an tax consultant or tax authority; iii) Retired person: valid pension approval certificate; iv) Student: Copy of valid student ID; v) Non-employed: no proof needed; vi) No documents are required if you wish to open further term deposits at Atlântico Europa. You can complete this process online.

What is Raisin?

Raisin’s goal is to provide savers the best interest rates! We give you access to exclusive savings products from all over Europe – all via one single platform and fully online!

To date, more than 75.000 customers have invested more than EUR 3.0 billion with our 32 partner banks.

We earned the trust of our customers and not only received numerous awards but also have a recommendation rate of 95 % on the independent German rating portal Bankingcheck. This allowed us to build the largest and by far the most successful marketplace for savings and investment products across Europe.

Raisin guarantees a smooth investment process and the simple management of your investments with all of our partner banks via one single platform. And in case of any questions or doubt you can always get in touch with our excellent customer service who are happy to help.

Raise your interest with Europe’s #1 savings marketplace!

Banco Privado Atlântico – Europa S.A. with its seat at Av. Da Liberdade 259, 1250-143 Lisboa, Portugal is registered with Banco de Portugal, part of Eurosysten, and Comissão do Mercado de Valores Mobiliários (Portuguese Securities Market Commission). Banco Privado Atlântico – Europa S.A is authorized and regulated by Portuguese Financial Supervision Authority.
Your eligible deposits with Banco Privado Atlântico – Europa S.A are protected up to a total of EUR 100,000 by the Portuguese deposit protection scheme (http://www.fgd.pt/en-US/Pages/inicio.aspx). Any deposits you hold above the EUR 100,000 limit are not covered. This communication has been authorized by Banco Privado Atlântico– Europa S.A.