Welcome to Raisin!
A friend thought you’d like this: access competitive interest rates from trusted European banks, and get a €50 bonus when you start saving with €5,000 or more for 6 months*. Here’s how it works.
How it works
Open a Raisin Account
Use the personal link your friend sent you to register.
Start saving
Pick the savings account that fits your plans, apply to open it, and transfer your money to your Raisin Account.
Receive your bonus!
Once you’ve met the conditions, your €50 bonus will be paid into your Raisin Account automatically.
What’s in it for you?
With Raisin, you can:
- Access over 100 savings offers from 25+ European partner banks – all from one secure platform.
- Open multiple accounts easily, with just one registration.
- Earn competitive interest rates from well-known European banks.
- Enjoy deposit protection – all accounts are covered by each bank’s national deposit guarantee scheme, up to €100,000 per customer, per bank.
- Save with no fees and no paperwork. Manage everything securely online.
Need-to-know: Bonus conditions
Register using your friend’s personal link and deposit at least €5,000 into a single savings account (either term deposit or demand deposit). Leave it there for 6 months and you’ll both receive your bonus within 14 days.
Who can participate?
Participation in the refer a friend programme is limited to active Raisin customers with an open Raisin Account.
A referred person qualifies as a new customer only if they are not registered with Raisin at the time the referral is made.
To be eligible, new customers must successfully complete registration, pass the identification process, and open and fund a savings account via Raisin with at least €5,000 in a single term deposit or demand deposit account.
Raisin reserves the right to verify eligibility and to exclude participants who do not meet these conditions.
*Full terms and conditions
- The referred friend must deposit at least €5,000 in a single term deposit or demand deposit account.
- The deposit must stay in the selected account for at least 6 months (no splitting across savings accounts).
- Extra deposits don’t count towards the minimum.
- After 6 months, the bonus is paid within 14 days to both parties’ Raisin Accounts.
- An active Raisin Account is required to receive the bonus.
- You can refer up to 10 friends, receiving up to €2,000.
- The refer a friend programme cannot be used for commercial purposes.
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© 2026 Raisin Bank AG, Frankfurt a.M.
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.