The first and only pan-European deposit marketplace

Raisin enables banks to expand or to diversify their funding reach (“Product Bank model”) as well as to monetize their excess liquidity (“Distribution Bank model”). We are available in over 30 markets across Europe and operate country-dedicated platforms in Germany, France, Spain, Austria, Netherlands, Ireland and the UK. In addition to these platforms, we are also present in the United States with our innovative and customization Savings as a Service solution, which you can find out more about here.

30+

Countries

104

Partner banks

720+

Offers

33.0 bn

EUR Assets invested

340,000+

Customers

8

Market places

Acquire the needed stable funding, optimize your costs and diversify your funding sources.

 

Acquire Funding

  • Access stable and long-term retail and corporate deposit funding.
  • Choose a funding mix that perfectly matches your assets and maturity needs.
  • Reduce funding cost by tapping into different markets.
  • Improve your LCR & NSFR ratios with retail quality funding.
  • Take advantage of the full range of Raisin’s integration solutions, providing full process automation and API for free.
  • Leverage Raisin’s capabilities to enter a new market completely digitally.
  • Exert full control over volumes and maturities.

 

Diversify Sources

  • Gain access to over 30 European savings markets and offer market-specific pricing.
  • Acquire funding from retail and corporate customers.
  • Build your portfolio in various currencies.
  • Tap into exclusive customer pools by offering your products to other banks (see Distribution Partnership Model).
  • Offer full product spectrum – overnight money, term deposits and notice accounts in all maturities.
  • Expand your distribution capacity across your home market.

Offer third party deposits and monetize your excess liquidity.

 

Explore Open Banking

  • Offer attractive deposit products to your customers choosing from Raisin´s partners, protected by deposit guarantee schemes.
  • Tailor your customer offer choosing from the widest deposit offering in the EU.
  • Easily integrate the products into your system and be in control of the customer experience.
  • Gain a powerful and innovative tool for customer acquisition and retention.

 

Monetize Liquidity

  • Earn an attractive commission on the deposits brokered.
  • Optimize your balance sheet and avoid the ECB penalty interest.
  • Convert low and negative-margin products into revenue streams.
  • Benefit from a flexible setup with no fixed costs and maximum flexibility to turn on/off the offer.

Raisin: Your Innovation Driver

Eight B2C platforms
in the biggest savings markets

Live since 2014
81 Partner banks
www.weltsparen.de

Live since 2016
23 Partner banks
www.weltsparen.at

Live since 2016
3 Partner banks
www.raisin.com

Live since 2016
8 Partner banks
www.raisin.fr

Live since 2016
17 Partner banks
www.raisin.es

Live since 2018
21 Partner banks
www.raisin.co.uk

Live since 2018
16 Partner banks
www.raisin.nl

Live since 2019
10 Partner banks
www.raisin.ie

Our partner banks

AIGIS Banca
Addiko Bank
Aegean Baltic Bank
Agram Banka
Ahli United Bank (UK) PLC
Aldermore Bank
Alior Bank
Allied Irish Banks
Aros Kapital
Attica Bank
Avida Finans
Axis Bank (UK) Ltd
BACB
BFF Bank
BGFIBank Europe
BN Bank
BRAbank
Banca Finint
Banca Ifis
Banca Popolare di Cortona
Banca Privata Leasing
Banca Progetto
Banca Promos
Banca Sistema
Banca di Cividale (CiviBank)
Banco BAI Europa
Banco BNI Europa
Banco Finantia Spain
Banco Português de Gestão
Bank GPB International
Bankhaus August Lenz & Co. AG
Bankhaus Obotritia
Banque BCP S.A.S.
Banque Misr
Banque Wormser
BlueOrange
CKV Bank
Cambridge & Counties Bank
Charter Savings Bank
Collector Bank
Coop Pank
Credorax Bank
DLL
Deutsche Handelsbank
Euram Bank
Expobank
FCMB Bank (UK) Limited
Fibank
GEFA BANK
GRENKE Bank
Gatehouse Bank
Greensill Bank
Haitong Bank S.A. Sucursal en España
Hampshire Trust Bank Plc
Hanseatic Bank
Hodge
Hoist Finance
Holm Bank
ICICI Bank (UK)
Inbank
Instabank
International Asset Bank
Investbank
Investec
Izola Bank
J&T Banka
KT Bank
KentBank
Klarna Bank
Komplett Bank
LHV
MeDirect Bank
Medicinos Bankas
Nordax Bank
Nordiska
North Channel Bank
OakNorth Bank
PEAC Bank
Paragon Bank
PayRay
Podravska banka
Privatbanka
QIB (UK)
RCB Bank
Resurs Bank
RiverBank
SIGNAL IDUNA Bauspar AG
Sberbank Europe AG
Shawbrook Bank
Solution Bank
TBI Bank
TF Bank
Teachers Building Society
UniCredit Bank
Union Bank UK PLC
ViViBanca
Wyelands Bank Plc
Younited Credit
Zenith Bank (UK)
illimity Bank
imprebanca
solarisBank
İşbank
Šiaulių Bankas

Some of our distribution partners

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vbstendal
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psdbanknuernberg
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pma
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maxpool
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and-many-more-test-2-25022021

Get in touch and learn how you can benefit from partnering with Raisin.

Partner Bank Team

Dr. Verena Thaler

VP Business Development & Strategy

verena.thaler@raisin.com

Emmanuel Rodriguez

France

emmanuel.rodriguez@raisin.com

Boyan Byanov

Scandinavia, Benelux, Iberia and CEE

boyan.byanov@raisin.com

Christoph Witte

DACH, Ireland and Malta

christoph.witte@raisin.com

Massimo Monzio Compagnoni

Italy

massimo.compagnoni@raisin.com

David Berkes

DACH, Ireland and Malta

david.berkes@raisin.com

Distribution Team

Benedikt Voller

VP Business Clients & Distribution Partnerships

benedikt.voller@raisin.com

Carina Ebling

Associate Director

carina.ebling@raisin.com

Oliver Schubert

Germany and Austria

oliver.schubert@raisin.com

Our backers

We have raised more than EUR 195 million in funding from leading investors including PayPal, Index
Ventures, Ribbit Capital and Thrive Capital and we are here to last.