High-yield cash management built for advisors
Bring real value to your clients' idle cash. Deliver exceptional rates and expanded insurance coverage all on one platform. Discover what a dedicated cash platform can do for your practice.
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The incremental value
At today's rates, finding a higher yield on Raisin can deliver more than $120,000 in incremental return on cash over ten years compared to a Big-4 Bank.
Performance Comparison: $250,000 Initial Deposit
Feature | Raisin for Advisors | The "Big 4" Bank |
Current Rate | 4.05%* | 0.01% |
Year 1 Interest | $10,125 | $25 |
Balance After 10 Years | $371,819 | $250,250 |
Incremental Return | $121,569 | — |
Why clients and advisors use Raisin
Top rates & diverse savings products
Drive better returns than standard sweep accounts with high-yield savings and CDs (currently up to 4.10% APY) from a single marketplace of 100+ partner institutions.
Save with intention
Our network includes Community Development Financial Institutions (CDFIs), minority-owned banks (MDIs), and family-owned institutions that support local communities.
$10M+ in deposit coverage†
Maximize wealth protection with millions in FDIC or NCUA insurance through our partner network.
A secure, free-to-use platform
Account holders manage funds and generate consolidated tax documents through a single login, while you retain full visibility of their financial picture.
It’s easy for your client to get started
1. Register
Visit raisin.com and click "Get Started" to create an account.
2. Select & fund
Choose a savings product and connect an external bank account to transfer funds.
3. Build & diversify
Clients can easily manage cash and add more products as savings goals evolve.
Stability at scale
100+
federally insured partner banks and credit unions
1M+
Raisin customers globally
$7B+
interest earned with Raisin
$90B+
in assets on the Raisn platform worldwide
Secure a better cash strategy for your clients
Connect with our advisory team to learn how Raisin simplifies cash management for RIAs.
Contact us
Als Pionier für Spar-, Investment- und Altersvorsorgeprodukte ermöglichen wir Privatkunden einen unkomplizierten Zugang zu globalen Einlagen- und Kapitalmärkten – ein Vorteil, der auch Finanzinstitute stärkt.
© 2026 Raisin SE. All rights reserved.
The Raisin name and logo are trademarks of Raisin SE. All other trademarks, logos, marks, and brand names are the property of their respective owners.
*APY means Annual Percentage Yield. APY is accurate as of May 25, 2026. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
Raisin is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
Raisin is not an NCUA-insured credit union. NCUA deposit insurance only covers the failure of an insured credit union.
Raisin does not hold any customer funds. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered by the applicable bank or credit union through Raisin.com. Each customer also authorizes the Service Bank to move funds among the various banks and credit unions at the customer’s request. First International Bank & Trust (FIBT), Member FDIC, is the Service Bank. Bell Bank and Starion Bank, each Member FDIC, are the Custodial Banks.
†Based on $250,000 in FDIC or NCUA insurance coverage per insurable category of ownership at each partner bank or credit union on the Raisin platform (each a "Product Bank"), when aggregated with all other deposits held by you at such Product Bank and in the same insurable category. Deposits made through Raisin will be eligible to receive deposit insurance from the FDIC or the NCUA (each a "Deposit Insurer") in accordance with and up to the maximum amount permitted by law at each Product Bank. Raisin is not a bank or credit union and does not hold any customer funds. Funds are held at FDIC-insured banks and NCUA-insured credit unions. Deposit insurance covers the failure of an insured bank or credit union. Certain conditions must be satisfied for pass through deposit insurance coverage to apply. Customers may choose to deposit funds with identically registered accounts at different Product Banks on the Raisin platform to be eligible for Deposit Insurer coverage up to $10 million for individual accounts and $20 million for joint accounts when at least 40 Product Banks are utilized. Please be aware, however, that any deposits you have at a Product Bank, whether through the Raisin platform or outside the Raisin platform, that you may hold in the same capacity (such as in an individual capacity or joint capacity) count toward the applicable Deposit Insurer's deposit insurance maximum amount, and any such amounts that you hold in the same capacity at a Product Bank that exceed the maximum insurance coverage by the applicable Deposit Insurer will not be insured. For more information on FDIC deposit insurance, please see here. For more information on the NCUA share insurance fund, please see here. You are solely responsible for monitoring the amount of funds you have on deposit at each a Product Bank, whether through the Raisin platform or outside the Raisin platform, to confirm that the deposits you hold in the same capacity at each Product Bank do not exceed the maximum deposit insurance coverage provided by the applicable Deposit Insurer.