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Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Italy

Italian 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.

Crédit Agricole Auto Bank is an international banking group, present in 19 European countries. It’s part of the Crédit Agricole Group, the tenth largest bank in the world and the first in Europe by number of retail customers.

CA Auto Bank is a leading player in vehicle financing and leasing and in the mobility sector, with a complete range of financial, insurance and rental solutions, and more than 50 prestigious brand partners.

The Bank’s history began in 1925: for almost 100 years it has accompanied the evolution of the automotive sector in Europe. CA Auto Bank has also long been active in daily banking, particularly in Italy and Germany, with its deposit accounts. CA Auto Bank's deposit accounts have proven to be one of the instruments that best meets customers' savings needs, thanks to the Bank’s soundness and transparency.

The Bank’s mission, “Creating everyday mobility solutions for a better planet”, sums up its raison d'être: to drive the energy transition in the sector, making access to zero- and low-emission vehicles increasingly democratic and affordable for everyone.

CA Auto Bank

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)

The Kingdom of Spain is located in the southwest of Europe on the Iberian Peninsula and borders France, Portugal, Andorra and Morocco. The country has been a member of the European Union since 1986 and, like Germany, introduced the euro as a means of payment in 2002.

As Spain is the second most popular vacation destination in the world, tourism represents the largest part of Spain's economic power. This is followed by the industrial sector and the agricultural sector.

After the recession in 2011, the Spanish economy is again in a steady upswing and is considered one of the fastest and most sustainably growing economies within the European Union.

Spain

In Spain, interest income is normally taxed at 19%. Irish customers can reduce this to 0% by providing a tax residency certificate from Irish Revenue. Please see the product information sheet for more details.

Haitong Bank S.A. Sucursal en España was established in Madrid, Spain in 2001. It is the Spanish branch of the Portuguese Haitong Bank S.A., which was established in Lisbon, Portugal in 1983. Haitong Bank S.A.'s business in Spain focuses on investment banking products and services for corporate and institutional clients. These include financial solutions, equities and asset management. As a wholly-owned subsidiary of Haitong Securities, one of the leading investment banks with securities operations in China, Haitong Bank S.A. focuses its extensive range of services on both the domestic and international markets. The bank specialises in particular in the financial markets in Europe, America and Asia.

Please note that Haitong has a banking license in Portugal and offers term deposits via Raisin through its Spanish branch (Sucursal en España) in Madrid. This means that your savings with the bank are covered by the Portuguese deposit guarantee (up to €100,000 per depositor per bank), but Spanish withholding tax applies (which can easily be reduced to 0%).

Haitong Bank

Portugal is located in the west of the Iberian Peninsula and is a popular destination for tourists. The Southern European country has been a member of the EU since 1986, was a founding member of NATO, and introduced the euro as its currency in 2002 upon its inception. Apart from tourism, the service sector is the largest source of income. Portugal depends mainly on trade with its EU partners.

Portugal

Deposits including accrued interest income are legally protected by the Portuguese 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 Raisin Bank were invested with a particular bank, but also other deposits of this customer were invested with the respective bank.

Deposit Guarantee Scheme of Portugal

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

Swedish 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.

TF Bank, established in 1987 in Borås, Sweden, has experienced remarkable growth both in terms of product offering and geographic presence since its inception as a provider of catalogue order financing. Today, TF Bank operates in multiple countries, including Finland, Norway, Denmark, Estonia, Poland, Latvia, Germany and, of course, Sweden, where its listing on the Nasdaq Stockholm Stock Exchange since 2016 has strengthened its position in the financial market.

TF Bank has established itself as a leading digital bank, recognised for its customer-centric approach and its e-commerce and merchant banking solutions. Its unique technology platform ensures scalability and flexibility to adapt to diverse financial needs in a constantly evolving digital banking environment. 

With a strategic focus on controlled organic growth, TF Bank focuses on three key segments: consumer lending, credit cards and e-commerce solutions, including digital payment options tailored especially for individuals. 

In addition, the deposit and savings business has been central to TF Bank's business model, providing attractive investment and savings opportunities for its customers in multiple markets.

TF Bank AB (publ)

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

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

French 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.

Younited is a leading European company specializing in innovative financial solutions. Thanks to its advanced technology platform, Younited offers a full range of solutions: personal loans, payment solutions, insurance products and personalized budget coaching. In addition to its direct-to-consumer business, Younited collaborates with leading companies in the retail, telecommunications, and banking industries, integrating its platform to drive innovation and enrich its partners' offerings. More than one million customers trust Younited in four countries (France, Italy, Netherlands, Spain and Portugal). Younited is committed to helping European households achieve financial well-being through education, protection and inclusion. Younited Financial (Younited's parent company) is listed on Euronext. For more information, visit www.younited.com.

Younited Credit

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

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

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Raisin Bank AG

Deposits of up to €100,000 per person per bank are legally protected by the national deposit guarantee scheme of the country where the bank is headquartered.

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Still have questions? We're here to help! Email contact@raisin.com 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.

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<ul><li>One account. 25+ trusted European banks.</li><li>Up to 3.05% AER on fixed terms (3 months–7 years) or flexible demand deposits.</li><li>No fees. No subscriptions. Deposit protection up to €100,000 per person, per bank.</li><li>Get 3.10 % AER for 3 months with the Raisin Starter Account. Exclusively for new customers.</li><li>Here to help – real people, real answers.</li></ul>

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Grow your money with Raisin Bank, and access zero-fee savings accounts at attractive interest rates from hand-picked banks outside of Ireland.