One app. Multiple banks. Up to  £150 welcome bonus.

Money left in low-interest accounts risks losing purchasing power over time. A fixed rate bond locks in your interest rate for the entire term, protecting your returns against market fluctuations and rising costs—provided you are comfortable committing your money for the full term.

Raisin UK won Savings Platform of the Year at the Moneyfactscompare.co.uk Awards 2026. A single login gives you access to competitive savings accounts across more than 40 FSCS-protected banks and building societies, with zero platform fees.

New customers receive a welcome bonus on qualifying deposits made between 14 September 2026 and 30 September 2026.

To claim your bonus:

1. Sign up for a Raisin UK account and enter SEP150 in the promo code field during registration. The code won't apply automatically.
2. Open and fund a fixed rate bond with a term of one year or longer by 30 September 2026.
3. Your bonus payout depends on your first single deposit amount. 

Subject to full Terms and Conditions below.

These terms and conditions ("Terms and Conditions") govern the Raisin UK 'SEP150' welcome bonus offer. The bonus offer is available to customers who satisfy the eligibility criteria below and open a qualifying fixed rate bond through Raisin UK between 00:01 BST on 14 September 2026 and 23:59 BST on 30 September 2026 (the “Qualifying Period”).

Interpretation

References in these Terms and Conditions to “Raisin UK”, “we”, “us” or “our” mean Raisin Platforms Limited, trading as Raisin UK. References to “you” and “your” mean the customer participating in this Bonus Offer.

1. The Bonus

1.1 If you meet the eligibility criteria, you will receive a one-time cash bonus (the “Bonus”) based on the value of your first qualifying single deposit into a fixed rate bond with a term of 1 year or longer through Raisin UK during the Qualifying Period.

1.2  Your bonus payout depends on the value of your first qualifying single deposit:

i. £40 for a first qualifying deposit of £10,000 - £24,999.99;

ii. £100 for a first qualifying deposit of £25,000 - £49,999.99;

iii. £150 for a first qualifying deposit of £50,000 - £120,000

Please note that FSCS protection currently applies up to £120,000 per eligible depositor, per UK-authorised institution. Any amount above the FSCS protection limit is not covered by FSCS.

1.3 The Bonus will be paid into your Raisin UK Transaction Account within 28 days of the Qualifying Account being successfully opened and funded.

1.4 The maximum Bonus amount you can receive under this offer is £150.

2. Eligibility Requirements

2.1 This offer is only available to new Raisin UK customers who have never held a Raisin UK account.

2.2 To qualify for the Bonus you must complete all of the following during the Qualifying Period:

a. Register for a Raisin UK account and enter the promo code ‘SEP150’ in the “promo code” field at registration.

b. Open a fixed rate bond with a term of 12 months or longer and make a single deposit of at least £10,000.

c. Ensure that the fixed rate bond remains open in accordance with its terms. If the order is cancelled, rejected, reversed, switched to another product or not successfully funded, you will not be eligible for the Bonus.

d. Only your first successfully funded qualifying single deposit during the Qualifying Period will be used to determine the Bonus amount. Deposits made into any other savings products or any subsequent deposits do not qualify and will not alter your Bonus tier.

e. The Bonus amount will be determined by the value of your first qualifying single deposit at the time it is first successfully funded. If that deposit is withdrawn, cancelled, partially reversed or otherwise reduced at any time, you will not qualify for the Bonus.

3. General

3.1 The Bonus offer is limited to one Bonus per person. We may use reasonable checks to detect duplicate, fraudulent or suspicious registrations.

3.2  We may exclude a participant from this offer, withhold, cancel or reclaim a Bonus, if we reasonably suspect that these Terms have been breached, that the Bonus was obtained unlawfully, or where their Raisin UK account is closed or suspended due to a breach of Raisin UK’s account terms and conditions.

3.3 We reserve the right to withdraw or change this offer at any time without prior notice and without giving reasons where we reasonably consider it necessary to do so, for example, due to legal or regulatory changes, or events outside our reasonable control.

3.4. The Bonus is a cash payment and is non-transferable. No alternative or substitute bonus will be provided.

3.5. This offer cannot be used in conjunction with any other promotional offer or bonus.

3.6. You are solely responsible for determining any tax liability and for reporting and paying any tax that may be due in relation to the Bonus.

3.7. If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions will remain unaffected.

3.8. By participating in this offer, you agree to be bound by these Terms and Conditions.

4. The Promoter

The promoter of this offer is Raisin UK. Raisin UK is a trading name of Raisin Platforms Limited (registered no 11075085) registered office Cobden House, 12-16 Mosley Street, Manchester M2 3AQ, United Kingdom. Raisin Platforms Limited is authorised and regulated by the Financial Conduct Authority (FRN: 813894 and 978619).

5. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of England and Wales. Any disputes arising under them shall be subject to the exclusive jurisdiction of the courts of England and Wales.