Deutsche Bausparkasse Badenia
This bank is based in: Germany (AAA)
• Start saving from €5,000.00 up to €100,000.00
• No fees, no subscriptions and Deposit Guarantee protected.
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About the Bank
Deutsche Bausparkasse Badenia AG, located in Karlsruhe, was founded in 1931 and is part of the
Generali Deutschland AG. It is one of the major private building societies in Germany, with more than
90 years of experience in the fields of building society saving plans and real estate financing. Its core
portfolio includes home savings contracts and loans for the construction, acquisition, or modernization
of residential properties. Deposits are safeguarded under statutory deposit guarantee up to an amount
of €100,000 per individual.
Deposit Guarantee Scheme
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.
Tax process and documentation
German banks do not deduct tax on savings for Irish customers. This means your interest is paid in full (gross). For more details, please see the product information sheet.
Important: Irish deposit interest tax (DIRT) is not deducted automatically. Any interest earned must be declared to Revenue in an annual tax return.
Raisin's role
With Raisin, one login gives you access to competitive savings accounts from banks across Europe, allowing your savings to work even harder. No fees, no paperwork: saving with Raisin is online and hassle-free.
Als Pionier für Spar-, Investment- und Altersvorsorgeprodukte ermöglichen wir Privatkunden einen unkomplizierten Zugang zu globalen Einlagen- und Kapitalmärkten – ein Vorteil, der auch Finanzinstitute stärkt.
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All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time. Raisin Bank, trading as Raisin, is authorised/licensed or registered by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) in Germany and is regulated by the Central Bank of Ireland for conduct of business rules.