WeltSparen (Raisin) review 2026
How good is WeltSparen (Raisin) really?
BaFin-regulated 85/100 points
kosten.org editorial team
Last updated: 2026-02-16
85/100
Points
Based on published terms and features
WeltSparen (Raisin) is revolutionising saving: through one platform you have access to the best call money and fixed-term deposit rates from across Europe – always with EU deposit protection.
Highlights of our WeltSparen (Raisin) review
- 400+ partner banks
- Top rates EU-wide
- One account
- EU deposit protection
Table of contents
1 Interest rates & terms
26/30
Points
WeltSparen currently offers up to 3.20% p.a. on call money via European partner banks. The interest rate varies depending on the partner bank chosen. Fixed-term deposit offers with up to 3.50% p.a. No tiering. ETF savings plan (Raisin Invest) as a supplement. Rate comparison directly on the platform.
2 Security & deposit protection
22/25
Points
Each partner bank is subject to national EU deposit protection up to €100,000. The settlement account is held at Raisin Bank (BaFin-regulated). Raisin/WeltSparen received the Deutsche Bank FinTech Award in 2020. Over €40 billion in volume arranged.
3 Account opening & management
17/20
Points
One-off registration at WeltSparen, then access to all offers. Video identification or PostIdent (identity verification at a post office). Clear dashboard showing all investments. Push notifications for rate changes. Automatic reinvestment possible.
4 Flexibility & availability
13/15
Points
Call money is available daily (transfer time of 1-3 working days depending on the partner bank). Fixed-term deposits with terms from 1 month to 10 years. Easy switching between partner banks. No minimum deposit on many offers.
5 Costs & transparency
7/10
Points
Completely free for customers: WeltSparen is funded by commissions from the partner banks. Transparent rate comparison. Tax certificate automatic. Tax exemption order (Freistellungsauftrag, which exempts interest from German withholding tax up to an allowance) possible for German partner banks.
Pros & cons at a glance
Pros
- Always the best rates in the market
- EU deposit protection
- Free of charge
- ETF savings plan as a bonus
Cons
- Intermediary, not a bank of its own
- Switching needed when rates fall
- Transfer time varies
Conclusion: WeltSparen (Raisin) review
85/100
Very good (1.8)
WeltSparen is the best platform for rate optimisers: anyone who always wants to use the highest rates in Europe cannot get around Raisin.
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