The Federal Republic of Germany is the largest economy and the main export-power among European Union member states. Germany is also one of the few nations in the world that has obtained the highest rating, “AAA”, for its sovereign debt from the three major credit rating agencies.

Germany

Germany does not levy withholding tax on non-residents, i.e. you are automatically exempt from withholding tax and do not have to do anything else.

Aareal Bank AG, headquartered in Wiesbaden, is a leading international real estate specialist. The bank's origins date back to 1923. It offers financing, software products and digital solutions for the real estate sector and related industries. Aareal Bank operates on three continents - Europe, North America and Asia/Pacific - and supports real estate financing in more than 20 countries.

Aareal Bank AG

Deposits including accrued interest income are legally protected up to an amount of EUR 100,000 per customer and per bank by the Entschädigungseinrichtung deutscher Banken GmbH. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.   It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Compensation Scheme of German Banks GmbH

The French Republic is a democratic central state in Western Europe with overseas islands and territories on different continents.
France is the sixth largest economy in the world and, along with Germany, the most important industrialized country in Europe. The country has been part of the Eurozone since 1999 and France's credit rating is currently rated "AA" by leading rating agencies, which corresponds to an investment grade rating with a stable outlook.

France

In France, no withholding tax is levied on interest income for persons with permanent residence abroad.

Carrefour Banque SA is a public limited company established under French law, authorised as a credit institution and investment services provider. It is 60% owned by Carrefour SA, a mixed holding company, and 40% by BNP Paribas Personal Finance.
Carrefour Banque consistently focuses on innovation and digital services to better serve its customers.  The bank offers a broad selection of accessible, reliable financial products tailored to the needs of savers and consumers. These include credit cards, revolving credit, personal loans, credit consolidation, savings products, car and home insurance, and personal protection.
Carrefour Banque SA is registered with the Evry Trade and Companies Register (department 91) under number 313 811 515. It operates under the Order of 3 November 2014 on internal control for banking, payment, and investment service providers, and is supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF).

Carrefour Banque

In accordance with EU Directive 2014/49/EU on Deposit Guarantee Schemes, your savings - including interest that has accrued but not yet credited - are guaranteed by the French statutory deposit guarantee scheme up to €100,000 per account holder per bank (keep the latter in mind, should you still hold balances with the bank in question outside of Raisin). Repayment is made in euros. The refundable amount will be made available to the account holder within 7 business days from the time the deposit guarantee scheme comes into effect. The guarantee applies to all natural persons, whether resident in France or elsewhere. Manager and executor of the deposit guarantee scheme is the Fonds de Garantie des Dépôts et de Résolution (https://www.garantiedesdepots.fr/en).

French Deposit Insurance and Resolution Fund

Sweden is a member of the European Union since 1995, however it has its own currency, the Swedish Krona (SEK). Sweden is distinguished by its highly industrialised economy, based on cutting-edge technology in key sectors such as automotive, electronics and telecommunications. Its strong social welfare network, including a high quality public health and education system, reinforces its position as a society with high levels of equality and well-being. In addition, its focus on environmental sustainability and technological innovation has positioned the country as a leader in the transition to a green economy. Its policy of openness to international trade and its political and social stability continue to attract investment from around the world.

Sweden

Since 2005 Klarna has been on a mission to revolutionize the retail banking industry. With over 150 million global active users and 2 million transactions per day, Klarna is meeting the changing demands of consumers by saving them time and money while helping them be informed and in control. Klarna works with over 500,000+ retailers such as H&M, Spotify, MediaMarkt, Expedia, Adidas and Deutsche Bahn and currently employs over 5,000 people in 45 countries.

Klarna Bank AB

In accordance with EU Directive 2014/49/EU, deposits with this Bank, inclusive of accrued interest not yet credited, are guaranteed by the Swedish statutory deposit guarantee scheme up to (the equivalent in euros of) SEK 1,050,000 per account holder, per bank. This amount also includes possible deposits and/or savings accounts ordered outside Raisin Bank. This protection covers the deposits of all natural persons, not only Swedish citizens.   In the event of an intervention by the Swedish DGS, the payment shall be made in Euros to your Raisin Account, within 7 business days from the time the DGS comes into effect. In this case, the exchange rate applied will be the one valid at the time of the bank’s administrative settlement process and is thus subject to currency fluctuations.   The administrator and executor of the deposit guarantee scheme is Riksgälden. For more information please visit https://www.riksgalden.se/en/)

Swedish Deposit Protection Fund

Italy is a republic in the South of Europe. It has one of the biggest economies in the world and is rated as a highly developed stated on the Human Development Index. Italy is one of the founding members of the European Union and uses the Euro as a currency since 2002.

Italy

Banca Profilo is an institution based in Milan, Italy, specialized in Private & Investment Banking. It has been offering services for the asset management of private and institutional clients and for the financial needs of companies since 1995. Banca Profilo was listed on the Borsa Italiana in 2007.

Banca Profilo

Deposits including accrued interest income are legally protected by the Italian Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Interbank Deposit Protection Fund (FITD)

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✓ Raisin Bank AG is a fully licensed German bank, supervised by the Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).

✓ All partner banks on our platform are covered by European Deposit Guarantee Schemes, protecting your savings up to €100,000 per bank, per depositor. <a href="https://www.raisin.com/en-ie/deposit-guarantee/" target="_self">More about the Deposit Guarantee Scheme</a>.<a href="https://www.raisin.com/en-ie/deposit-guarantee/" target="_self"></a>

✓ Still have questions? We're here to help! Email <a href="mailto:contact@raisin.com" target="_self">contact@raisin.com</a><a href="mailto: service@raisin.ie" target="_self"></a> or send us a message through your Raisin Account. Alternatively, you can call us on +353 1 5461020 from 11:00 a.m. - 15:00 p.m., Monday to Friday. See <a href="https://contact.raisin.com/hc/en-gb/" target="_self">FAQs</a>.

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Irish savings rates vs. abroad

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