Helping banks accelerate product development and expand distribution capabilities to meet their funding needs

Our cutting-edge software solution "Raisin Savings-as-a-Service" automates creation, maintenance and recordkeeping of time deposit accounts and cash strategies. You choose from a pre-built product catalogue and apply your cost of funds to quickly create ready-to-market products. Our unique product features allow you to create value beyond competing on rate. You can choose your preferred distribution channels to meet your funding objectives.

Our offering

  • Banks

  • Credit Unions
  • Traditional term deposits

  • Ladders

  • Liquidity term deposits

  • Market-linked term deposits
  • Your branches

  • Your online / mobile channels

  • Core

  • Brokered

* FDIC reporting treatment

The benefits

Quickly create time deposit products with our flexible Raisin SaaS toolbox

You control branding, pricing, and cost of funds

Expand distribution capabilities to meet your funding needs

Our backers

We have raised more than USD 200M in funding from leading investors

About Raisin

A trailblazer for open banking and the leading pan-European one-stop shop for online savings and investments, Berlin-based fintech Raisin is breaking down barriers to better savings for consumers and SMEs. Since launch in 2013, Raisin has placed more than USD 30 billion for more than 440,000 customers in 30+ countries and 119 partner banks.

Raisin was named Europe’s top 5 fintech by the renowned FinTech50 awards and is backed by prestigious investors such as Goldman Sachs, PayPal Ventures, Thrive Capital, Index Ventures, Orange Digital Ventures, btov Ventures, and Ribbit Capital. Raisin US in New York City, Raisin UK in Manchester, banking-as-a-service provider Raisin Bank in Frankfurt and pensions specialist fairr all belong to Raisin.

FDIC / NCUA coverage through our partner banks / credit unions for offered products is up to the applicable limits.  For more information go to and

Raisin holds 2 patents for its systems and methods (US 7,987,136 and US 10,891,143)