How Raisin Works
Complete your registration, upload an ID document and perform a reference transaction.
If you have already opened a Raisin Account, please continue with the second step.
Once we have verified your identity, we will send you your login details for the Online Banking System.
From there, you will have access to exclusive offers from our partner banks across Europe.My Account
Select your preferred deposit account and transfer the required investment amount – Raisin will take care of the rest for you.
The best part: You only have to verify your identity once!
Yes. Please bear in mind that we do not send any information documents by post. All information is available at www.raisin.com. Your product selections need to be made online. You will then receive the contractual documents to print out and sign – if required.
At Raisin, you can choose attractive deposit offers from European banks – online and from the comfort of your home. This is how it works:
- Open a Raisin Account with Keytrade Bank via www.raisin.com. To successfully open the account please complete the registration process online. Additionally, we will ask you to provide a copy of a valid ID document and transfer at least EUR 0.10 to Keytrade from your personal account that was specified during registration. You will then receive your personal login details by post and will be able to transfer funds to your Raisin Account.
- You will then be able to choose a deposit product from one of our partner banks in Raisin’s Online Banking System and submit the required documents. The opening of the deposit account as well as the transfer of funds to the partner bank occurs automatically. All important documents will be posted to your electronic mailbox in the Online Banking System.
- At the end of the agreed term, the partner bank will transfer the funds including accrued interest (less withholding tax) back to your Raisin Account unless you choose to prolong your term deposit, which you can easily arrange in the Raisin Online Banking System. Please note that you will only be able to prolong your term deposit.
Please note that it usually takes around 5 business days to open the term deposit account after we have received the necessary documents along with the funds.
No. We would like to emphasize that at no point will Raisin make recommendations concerning specific products or partner banks. We do not know your personal and individual asset position nor the investment goals you are pursuing, and therefore we are in no position to provide such advice. We appreciate your understanding in this regard.
Raisin GmbH receives a commission from the partner banks. Part of this commission is passed on to Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France). These commissions enable Raisin and Keytrade Bank to provide their services free of charge to you while continuously improving the quality of these services. We are not able to disclose details about these commissions.
The reference account, the bank account you specified during registration, is your normal current account (such as your salary account) held at a bank in your home country. This reference account is the only account that you can use in combination with your Raisin Account (both for incoming and outgoing payments). Transfers made from other accounts than the reference account will be rejected and automatically after 30 days send back to the originating account.
The Raisin Account is a current account accruing no interest at Keytrade Bank, serving as your central online transaction account. When you select a deposit we will debit your Raisin Account and credit the respective amount to your Deposit Account.
Deposit Accounts are accounts which accrue interest held with one of our partner banks. For each deposit product you choose, a new Deposit Account is opened with the respective partner bank. After creating the Deposit Account, the amount you wish to deposit will automatically be transferred from your Raisin Account. At maturity, you then have three options: you may either prolong the deposit, select an alternative deposit product, or the money will be automatically transferred back to your Raisin Account. Please note, that if you take no action, upon maturity, the amount deposited including interest (less withholding taxes if applicable) will be returned to your Raisin Account. There is no automatic rollover.