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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

Latvia, located in the centre of the Baltic States, is an independent parliamentary democracy since 1991, a member of the European Union (EU) since 2004 and part of the euro zone since 2014. The Latvian economy is characterised by a high degree of business-friendliness, which is also reflected in a large number of successful start-ups, especially in the capital Riga. Latvia's economic growth is stable and the national debt is very low by European standards at 37.9 % of GDP (as of 2016). Culturally, Latvia is characterised by strong Northern European influences, Hanseatic architecture and its famous music folklore.

Latvia

In Latvia, a withholding tax of 25.5% will be levied on interest payments from the 1st of January 2025. You can reduce this to 10% by providing the relevant documentation to Raisin Bank who will forward it to our partner bank on your behalf. Please check the product information sheet for further information.

In 2001, four Latvian entrepreneurs founded BluOr Bank AS (hereinafter „BluOr Bank“) in Riga - initially as a bank only for companies engaged in international trade or acting as a holding company - gradually adding products for private customers.

Today, BluOr Bank is the ninth largest bank in the country in terms of assets under management and has built its reputation as a reliable partner and financially stable organisation over the 21 years of the bank's existence. The bank is highly liquid every year and has remained profitable during Latvia's economic slowdown

BluOr Bank AS

The statutory Deposit Guarantee Scheme in Latvia guarantees deposit amounts up to a maximum of 100,000 Euro per bank and customer. Further information about the Deposit Guarantee Scheme can be found at http://www.fktk.lv/en. Within the European Union, the minimum amount guaranteed by Deposit Guarantee Schemes of each member state has been harmonized by EU directives 94/19/EG, 2009/14/EG and 2014/49/EU.

The Deposit Guarantee Fund of Latvia

Rietumu Bank is a Latvian bank headquartered in Riga, Latvia. Established in 1992, it has become one of the leading banks in the Baltic region, offering a wide range of financial services to individuals and businesses. The bank specializes in corporate banking, private banking, and investment services, catering to both local and international clients. Rietumu Bank is known for its expertise in international trade finance, capital markets, and wealth management solutions. It has built a reputation for reliability and professionalism, attracting clients from various industries worldwide. The bank adheres to strict regulatory standards and is committed to maintaining the highest level of integrity and customer service.

Rietumu Bank

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

TF Bank was founded in Borås, Sweden, in 1987 with the aim of offering customers a financing solution when ordering goods by catalogue. Over the years, the Group has grown in terms of its product range, turnover and geographical presence. Today, in addition to Sweden, TF Bank is also active in Finland, Norway, Denmark, Estonia, Poland, Latvia and Germany. In 2016, TF Bank was listed on the Nasdaq Stockholm Stock Exchange and has been a registered Swedish public limited company ever since.

Today, the bank's focus is on personal loan and credit card business as well as financing in the e-commerce sector, among other things. The deposit business is also a mainstay of TF Bank's business model. TF Bank's largest shareholders are TFB Holding AB (47%), the property company Erik Selin Fastigheter AB (9%), Merizole Holding LTD (7%) and Swedbank Robur Fonder (6%). A further 30 % of the shares are in free float.

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

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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

All of our savings accounts are covered by European Deposit Guarantee Schemes, protecting your savings up to €100,000 per depositor, per bank.

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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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<p>Smarter saving starts here.</p><ul><li>Access 25+ trusted European banks with one account.</li><li>Fixed terms from 3 months to 7 years, with rates up to 3.00% AER.</li><li>Top up or withdraw anytime with flexible demand deposit accounts.</li><li>No fees, no subscriptions. Peace of mind with Deposit Guarantee Scheme protection.</li><li>Here to help – real people, real answers.</li></ul>

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