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Raisin review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Raisin is a marketplace rather than a bank, and its easy-access UK savings account pairs a variable 4.15% rate with a £100 minimum deposit and no monthly charge. It suits savers who want a single app for easy-access deposits and are happy to pick a partner bank themselves.

Key facts

Best for
Easy-access saving through a marketplace at a 4.15% variable rate with no monthly fee.
Headline rate
4.15%↗
Rate type
Variable↗
Minimum deposit
£100↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Easy access savings account on the Raisin UK marketplace: top up and withdraw at your convenience, no fixed term↗
Monthly fee
£0↗
Account kind
Easy access↗
Legal entity
Raisin SE↗
Headquarters
Germany↗
Founded
2012↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
raisin.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInTrustpilotyoutube.com

Pros and cons

Pros

  • The 4.15% rate sits above the 3.08% median for savings accounts on the site.
  • Deposit protection is stated as FSCS up to GBP 85,000 on the UK marketplace.
  • No monthly charge: £0 on the easy access account.
  • Support runs on email, phone and help centre, so a phone route sits alongside email and the help centre.

Cons

  • The £100 minimum deposit is above the €21.82 upper quartile for savings accounts.
  • A variable rate means the 4.15% headline figure is not guaranteed to hold.
  • The 4.15% rate places Raisin 136 of 473 brands on headline rate, so higher offers exist.
Raisin

Ready to try Raisin?

Scored 8.8 / 10 by VaultCue.

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Who it suits

  • UK savers who want an easy access account they can top up and withdraw from at convenience.
  • Savers who put FSCS up to GBP 85,000 protection ahead of a headline rate above 4.15%.
  • Readers who are content to select a partner bank on a marketplace rather than hold a savings account with one provider.

Who should look elsewhere

  • Anyone chasing the largest quoted figure: AXI Card Tarjeta y Credito lists 21.59%.
  • Savers after the biggest rate on the table, since Plazo ES quotes 24.19%.
  • Readers who prefer a payments brand to a savings marketplace, such as PayPal Colombia at 3.3%.

Deposit protection

Raisin holds a UK registration with the Financial Conduct Authority, 813894, 978619, and its German side is covered by the D-F-107-QQ43-76 register. Deposit protection on the UK marketplace is stated as FSCS up to GBP 85,000.

Rates and card terms

The easy-access account pays a variable rate of 4.15%, above the 3.08% median for savings accounts and just under the 4.5% upper quartile. You can top up and withdraw at your convenience, with no fixed term, so the account suits ongoing cash rather than money you want locked away.

How Raisin compares

Where Raisin is available

Available
Austria, Finland, France, Germany, Ireland, Italy, Netherlands, Poland, Spain, United Kingdom, United States
Licence in United Kingdom
Financial Conduct Authority (813894, 978619), checked September 26, 2026
Licence in Germany
Bezirksamt Friedrichshain-Kreuzberg (financial investment intermediary register, section 34f GewO) (D-F-107-QQ43-76), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Raisin pay on easy-access savings?+

The easy-access account pays a variable rate of 4.15%, above the 3.08% median across savings accounts on the site. Because the rate is variable it can move, and the account is easy access rather than a fixed term, so deposits are not locked away.

How much do I need to deposit?+

The minimum deposit is £100, above the €21.82 upper quartile and ranked 315 of 370 on this measure. Top ups are open, so that opening figure is the only real entry bar.

Are there monthly fees?+

The easy-access account carries a monthly fee of £0 and sits on the no monthly fee model, the most common one among savings accounts here. With no monthly charge, the 4.15% variable rate is the main thing to weigh.

Is my money protected?+

Deposit protection is stated as FSCS up to GBP 85,000 on the UK marketplace. Raisin also carries a UK registration with the Financial Conduct Authority, 813894, 978619, so the platform sits inside a regulated framework alongside the partner banks.

Who regulates Raisin?+

In the UK the operator is registered with the Financial Conduct Authority under 813894, 978619. The German side is covered by the D-F-107-QQ43-76 register, reflecting a company headquartered in Germany.

How do I get money in and out?+

The account is easy access and you can top up and withdraw at your convenience, with no fixed term, so money does not wait for a maturity date. Support runs on email, phone and help centre if a transfer needs attention.

How does Raisin compare with the wider market?+

The 4.15% rate places Raisin 136 of 473 brands on headline rate, ahead of the 3.08% median but short of the 4.5% upper quartile. Its overall score of 5 splits into 3.3 for cost and 7.5 for offer.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Raisin

Raisin

Easy-access saving through a marketplace at a 4.15% variable rate with no monthly fee.

8.8/10See alternatives