1.05%
%
p.a.
2 years in EUR
0.95%
%
p.a.
1.5 years in EUR
0.75%
%
p.a.
1 year in EUR

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Partner Bank Euram Bank

Euram Bank (European American Investment Bank AG), an independent Austrian private bank based in Vienna, was founded in 1999 and has since established itself in the areas of private and investment banking for Austrian and international individuals, entrepreneurs and institutional investors.

Euram Bank has a solid capital base and is committed to a total return approach, which focuses on long-term wealth preservation and strict discipline in risk management.

About Euram Bank

Austria is a democratic and federal republic in Central Europe.

It is a founding member of the OECD and has been a member of the EU since 1995. With a higher GDP per capita than Germany, Austria is one of the wealthiest countries in the world.

The Austrian economy is characterized by the high amount of renewable energy consumption, which is mainly due to the large hydropower resources in the Alps.

The country has high standards in terms of bank secrecy, compliance and investor protection and therefore boasts a credit rating of Aa1/AA+. The banking sector in Austria is regulated by strict legal guidelines and abidance is regularly checked by the supervisory authorities.

Deposit Guarantee Euram Bank

Deposits with Euram Bank are fully protected for amounts up to EUR 100,000 per customer by the Austrian Deposit Guarantee Scheme (Einlagensicherung der Banken & Bankiers Gesellschaft m.b.H.), backed by the Austrian state. This protection covers the deposits of all individuals, not just those of Austrian citizens. Further information about the Deposit Guarantee Scheme in Austria can be found at https://einlagensicherung.at/.

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

1.05 %
2 years EUR
0.95 %
1.5 years EUR
0.75 %
1 year EUR
0.30 %
6 months EUR

Tax process and documents

The standard withholding tax rate on interest in Austria is 25%. This can be reduced to 0% by providing the bank with the document “Declaration by individuals for the purpose of tax treaty relief at source”.

To open term deposits with EURAM Bank, customers have to provide a copy of the signed account opening application which can be uploaded directly in the Online Banking System or sent by email or post. For the opening of an additional term deposit with EURAM Bank, no further documents are required, as long as the repayment of the prior term deposit took place within the past 12 months.

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

To date, more than 60,000 customers have invested more than EUR 2 billion with our 28 partner banks.

The feedback from our customers speaks for itself: we have a rating of 4.6 out of 5 and a recommendation rate of 96 % on the independent German rating portal Bankingcheck. Raisin was also voted the best German term deposit marketplace 2014 and 2015. 

Raisin guarantees a smooth investment process and the simple management of your investments with all of our partner banks via one single platform.

The European American Investment Bank AG (Euram Bank) with its seat at Palais Esterházy, Wallnerstraße 4, 1010 Vienna, Austria is registered with the Commercial Court of Vienna under no. : FN 286544 p. Euram Bank is authorized and regulated by the Austrian Financial Market Authority.
Your eligible deposits with the Euram Bank are protected up to a total of EUR 100,000 by Einlagensicherung der Banken und Bankiers Gesellschaft m.b.H (http://www.einlagensicherung.at), one of the five Austrian deposit protection schemes. Any deposits you hold above the EUR 100,000 limit are not covered. This communication has been authorized by the Euram Bank.