What is Raisin?
The Raisin platform features an exclusive selection of high-yielding products offered by our network of banks. It’s your destination to discover competitive savings products and start saving wisely. Select and fund multiple savings products from different institutions, and manage them all from one account!
Safety
Funds deposited into any of the savings products available through Raisin are always held by a federally insured financial institution. A very easy and safe way to diversify your deposit portfolio. We use a host of cybersecurity measures to protect your funds and sensitive information.
Choice
Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.
Convenience
One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
Referral Bonus offer
Earn up to $125 has never been so easy! Simply use the personalized referral code that you received from your friend when you register for a new Raisin account. Terms and conditions apply.
Earn your bonus in 3 simple steps:
1.Select the right products for your savings goals.
2.Register for a Raisin account and enter the referral code from your friend.
3.Deposit at least $5,000 and maintain the amount for 90+ days to qualify for your Bonus.
It’s that simple!
Program Details
Making $125 has never been so easy or rewarding. Simply enter in the code you received from your friend or family member when you sign up for an account with Raisin. Once you fund your account and maintain an initial balance of $5,000 or more for 90 days, you will earn a minimum bonus of $25 and a maximum bonus of $125 depending on the account balance you maintained after 90 days. The bonus will be paid out within 30 days of qualification. Funds will be deposited into your external bank account linked to Raisin. Please see referral bonus terms and conditions below.
Security Is Our Top Priority
Federal Deposit Insurance Corporation
All participating banks are members of the FDIC. Deposits in participating banks are insured by the FDIC up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured bank, for each deposit account ownership category.
Click to learn more about FDIC insuranceNational Credit Union Administration
All participating credit unions are insured by the NCUA through its Share Insurance Fund. Deposits in participating credit unions are insured by the NCUA up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured credit union, for each deposit account ownership category.
Click to learn more about NCUA insuranceCybersecurity is a top priority at Raisin
We invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include multi-factor authentication, encryption, and web application firewall advanced internet protection technologies. We are a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private.
Click to learn more about SOC 2 certificationFAQs
At Raisin, cybersecurity is a top priority and we implement a variety of technologies to protect our customer’s data, privacy and transactions.
Access: Raisin platform uses Multi-Factor authentication combined with leading authentication technology to protect our client identities.
Encryption: Your information is encrypted in-transit and at-rest using the latest cryptographic security algorithms.
Protection: Web application firewall advanced internet protection technologies are implemented to protect the Raisin site from malicious actors, botnets and denial of service attacks (DDOS).
Monitoring: The information security monitoring platform is in place to detect and alert on information security events.
Assessments: Our platform undergoes rigorous security assessments and testing from architecture planning to production phases.
In return for helping them connect with savers across the United States, we are paid fees by our product partner banks that offer savings products. This allows us to provide these services free of any charge from Raisin to our valued customers!
* Referral bonus offer Terms and Conditions:
Existing Raisin customers are eligible to receive a $50 USD referral bonus and their referees are eligible to receive a minimum $25 USD bonus for each referee who (1) opens an account with Raisin.com with a minimum initial deposit of $5,000 USD and (2) referee maintains the minimum deposit amount for a period of at least 90 days. Referee must use your unique personal referral code for you to be eligible to receive your referral bonus cash. You are eligible to earn a maximum of 20 referral bonuses or $1,000 with the Raisin referral program. Referees earn $25 for $5,000 USD in initial deposits maintained over 90 days and $5 additional for every $5,000 thereafter, up to $125 in bonus for $105,000 USD or more. Referral bonus cash will be deposited by Raisin US LLC into customer’s and into referee’s external bank accounts, respectively, that were linked to www.raisin.com/en-us within 30 days of satisfying all terms to qualify for referral bonus cash. US customers only. Not open to Raisin Solutions employees. Raisin reserves the right to terminate this offer at any time and to deny Customer referral bonus cash for any reason.
The Raisin name and logo are trademarks of Raisin GmbH. All other trademarks, logos, marks, and brand names are the property of their respective owners — used with permission.
© 2023 Raisin GmbH. All rights reserved.
*APY means Annual Percentage Yield. APY is accurate as of {todayDate}. Interest rate and APY may change after initial deposit. Minimum opening deposit is $1.00.
Credit union savings products: “Interest” and related terms (e.g., interest earned) may be used to describe dividends. Credit union savings products (e.g., “share account,” “share certificate”) may be categorized with bank products (e.g., “savings,” “CDs”) to best indicate alike terms and functions.
Each customer authorizes the Custodian Bank to hold the customer’s funds in a custodial capacity in order to effectuate the customer’s deposits to and withdrawals from deposit accounts at various Product Banks that the customer requests through Raisin.com. The Custodian Bank does not establish the terms of the deposit accounts, or offer the deposit accounts to customers, and provides no advice to customers about deposit accounts. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Custodian services are provided by Central Bank of Kansas City and Lewis & Clark Bank.