Raisin Bank AG products, services and reviews

About Raisin Bank AG

Raisin Bank AG is a German-licensed commercial bank operating under the supervision of BaFin and the Deutsche Bundesbank; it acts primarily as a digital deposit taker and banking-as-a-service provider for partner platforms, supplying term deposits, savings products and back‑end services such as onboarding, custody and payment processing to customers who access products through marketplace partners. The bank concentrates on partner-driven distribution rather than a traditional retail branch network, which means many retail clients interact with Raisin Bank products via third-party platforms; deposits held with the bank are covered by the German statutory deposit guarantee up to €100,000 per depositor, while any additional protection depends on the specific product and contractual arrangements. Raisin Bank’s model can offer broader product access through partnerships but also concentrates operational and counterparty exposure around those partners, so prospective customers and partners should review the precise legal terms, the applicable jurisdiction for their account, and the bank’s published regulatory information and financial disclosures before committing funds.