$10M+
.png&w=3840&q=75)
1
4.3 / 5
$0
Share Raisin. Earn More.
You can earn a referral bonus when you refer a friend to Raisin.
You can earn:
$150 per referral¹
Earn $150 for each friend who opens and funds an account using your referral code, up to a maximum of 20 referrals.
Your friend can earn:
Up to $1,500¹
New customers who sign up using your referral code can earn cash rewards when they open and fund their first account with Raisin. Rewards vary by deposit amount and are paid after balance requirements are met.
How it works
1. Share your referral code
Share your unique referral code with friends or family.
2. Your friend opens and funds an account
Your friend signs up using your code and deposits at least $10,000 within 14 days of opening their account.
3. You earn $150
After your friend maintains their deposit for 90 days, you earn $150 for each successful referral, up to a maximum of 20 referrals.
What your friend can earn
When your friend opens their first Raisin account through your referral, they can earn a cash bonus by depositing and maintaining qualifying funds on the Raisin platform, in addition to earning competitive rates.
Bonuses are based on the amount your friend deposits within 14 days of opening their account and maintains for 90 days. Higher deposit amounts qualify for higher bonus amounts, up to $1,500.¹
Frequently asked questions
How many friends can I refer?
You can earn $150 for each successful referral, up to a maximum of 20 referrals.
Where will my referral bonus be paid?
Your referral bonus will be credited directly to your Cash Account on the Raisin platform within 30 days of your referral meeting all qualifying requirements.
Do I need to do anything after sharing my referral code?
No. After your friend maintains their deposit for 90 days, you earn $100 for each successful referral, up to a maximum of 20 referrals.
What counts as a successful referral?
A referral is successful when your friend signs up using your referral code, deposits at least $10,000 within 14 days of opening their account, and maintains that qualifying deposit for 90 days. Referral bonuses are available when a new Raisin customer signs up through a referral.
¹Existing Raisin customers (the “Referrer”) are eligible to receive a $150 referral bonus for each new customer they refer (a “Referee”) who (1) opens an account with Raisin.com and (2) makes a “Qualifying Deposit” (as defined below) of at least $10,000. A Referee must use the Referrer’s unique personal referral code at sign-up for the Referrer to be eligible to receive the referral cash bonus. Referral bonuses are limited to a maximum of twenty (20) successful referrals per customer. Raisin may, in its sole discretion, decline to award or revoke referral bonuses for referrals exceeding this limit or in cases of suspected fraud, abuse, or misuse of the referral program.
The Referee bonus offer is available to new customers to the Raisin platform only. Eligible new customers may earn a one-time cash bonus by depositing and maintaining qualifying funds on the Raisin platform with participating partner banks and credit unions, subject to the following terms. To qualify, the Referee must sign up and initiate their first deposit between January 30, 2026, and April 30 2026, by 11:59 PM ET, using the Referrer’s unique referral code during sign-up. Only funds deposited within 14 days of the initial deposit date and maintained on the Raisin platform with participating partner banks for 90 days will be eligible for this bonus (a “Qualifying Deposit”). Referees will receive $70 for Qualifying Deposits between $10,000 and $24,999, $175 for Qualifying Deposits between $25,000 and $49,999, $350 for Qualifying Deposits between $50,000 and $99,999, $750 for Qualifying Deposits between $100,000 and $199,999, and $1,500 for Qualifying Deposits of $200,000 or more. To qualify for a bonus amount, the Qualifying Deposit balance must be maintained continuously at or above the minimum required amount for the applicable bonus tier for the full 90-day maintenance period. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the Referee will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period. Additional deposits made after the initial 14-day funding window will not increase the bonus amount. Bonus payouts will be credited directly to the Referrer’s and Referee’s Cash Accounts within 30 days of satisfying all requirements.
US customers only. Not open to Raisin employees. This Referee bonus offer is available to new customers only. Referral and Referee bonuses may not be combined with any other bonus offers unless expressly stated otherwise. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
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 April 10, 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.