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Raisin France review

Updated September 30, 2026 · VaultCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Raisin France suits savers seeking flexible easy access savings with freedom to move funds as needs change. The account pays a headline rate of 2.28% with account design shown as easy access for everyday saving while keeping cash available for urgent costs and planned goals.

Key facts

Best for
Flexible easy access saving with free withdrawals
Headline rate
2.28%↗
Rate type
Variable↗
Minimum deposit
€1↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Free deposits and withdrawals anytime↗
Monthly fee
€0↗
Account kind
Easy access↗
Regulators
Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin)↗
Legal entity
Raisin Bank AG↗
Headquarters
Germany↗
Founded
1973↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
raisin.fr

Facts checked September 30, 2026, 6 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • Free deposits and withdrawals anytime supports flexible movement for bills and short term goals
  • Low entry with minimum deposit of €1 lets you start small and add over time
  • Cover of EU DGS up to EUR 100,000 helps eligible cash feel secure under the scheme
  • Help across email, phone and help centre gives mail, telephone and guidance options

Cons

  • Headline rate of 2.28% sits below the group median of 3.25%, so yield chasers may look elsewhere.
  • Return may shift over time with rate type of variable, which suits less well where a locked return is preferred.
  • Support runs on email, phone and help centre only, without live chat for instant help.
Raisin France

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Scored 9.0 / 10 by VaultCue.

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Who it suits

  • Savers who want flexible access for emergency funds and short term goals with free movement
  • New savers starting small and building balances over time alongside current spending

Who should look elsewhere

  • Savers chasing higher headline yield may prefer eToro, as its headline rate can sit above Raisin France where return matters more than flexible access.
  • Borrowers seeking card credit rather than savings may prefer Plazo, where the product focus centres on credit terms rather than deposit flexibility.

Fees and currency costs

Cost matters when choosing where to keep savings, and this account keeps the structure plain to follow. The monthly fee is shown as fees of €0, which means keeping cash here adds no recurring charge to your balance. That clarity helps when planning deposits for bills, holidays or a rainy day fund, as you can focus on saving rather than on admin charges affecting interest. The entry point is also modest, with a minimum deposit of €1, so you can start small and add funds over time as pay arrives or spending allows. Such a low threshold suits savers who wish to test the account alongside a current account before moving larger sums. Together, fees of €0 and a minimum deposit of €1 create a low barrier way to build a buffer, with costs that remain easy to predict across months of regular use. For households watching every euro, that predictability supports steady habits, from rounding up spare change to setting aside pay on arrival.

Access to your money

Flexibility is central to this account. Free deposits and withdrawals anytime, so you can pay funds in after payday and take funds out when urgent costs appear, such as car repairs or home expenses, without locking cash away. That style suits emergency funds and short term goals where timing is uncertain and access matters more than a set schedule. The return follows a rate type of variable, described as variable, so the return may rise or fall with market conditions. You should expect movement rather than a locked outcome, and review updates when planning future deposits. For savers who value control, Free deposits and withdrawals anytime keeps cash available while returns adjust, which helps balance safety, access and growth across changing needs.

Who runs it

The account is provided by Raisin Bank AG, based in Germany, with roots tracing to 1973. That background places savings within a banking provider that focuses on deposit products for savers across Europe, with experience built over long service. Day to day help is available through email, phone and help centre, covering mail, telephone and guidance pages for common queries. You can ask about opening, managing details or handling documents, with support suited to savers who prefer direct contact. The link between Raisin Bank AG, location in Germany, history since 1973, and help via email, phone and help centre gives a clear picture of who holds funds and where to turn. For savers who value clarity about the provider, that structure helps set expectations before opening and during ongoing use.

How Raisin France compares

Where Raisin France is available

Available
France
Licence in Germany
Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

Does Raisin France charge a monthly fee for the savings account?+

The monthly fee is shown as fees of €0, so there is no recurring charge for holding the account. You can keep funds in place across months without admin costs reducing the balance, which helps small and regular savers plan with clarity.

What is the minimum deposit to open with Raisin France?+

The minimum deposit is shown as €1, so entry is modest for most households. You can open with a small sum and add further deposits over time as pay arrives, which suits testing the account before moving larger amounts.

How do deposits and withdrawals work?+

Access is described as Free deposits and withdrawals anytime, which means deposits and withdrawals remain free and flexible. You can add funds after payday and withdraw when urgent costs appear, without locking cash away for a set period.

Is the savings rate fixed or variable?+

The rate type is shown as variable, so the return can rise or fall with market conditions. You should expect movement rather than a locked return, and review updates before planning future deposits for goals such as holidays or home costs.

Is money held with Raisin France protected?+

Funds carry protection described as EU DGS up to EUR 100,000, which applies under the European deposit scheme. This cover helps savers feel secure about eligible balances held with the bank, subject to scheme limits and eligibility rules that apply to deposits.

Who operates Raisin France and who regulates it?+

The provider is Raisin Bank AG, based in Germany, with roots tracing to 1973. Oversight comes from Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin), which supports confidence in how the deposit business is run and supervised within Europe.

How can I get help with my account?+

Help is available through email, phone and help centre, covering mail, telephone and guidance pages. You can ask about opening, managing details or handling documents, with options suited to savers who prefer direct contact alongside online account management.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Term.

Raisin France

Raisin France

Flexible easy access saving with free withdrawals

9.0/10See alternatives