Raisin is Europe’s largest savings account aggregator: from a single platform, you can access savings accounts from over 100 banks across Europe, each backed by the deposit insurance scheme of the bank’s country. This guide lists the best rates available in May 2026.
Top Deposits on Raisin: May 2026
| Bank | Country | Term | APR | Minimum | Collateral |
|---|---|---|---|---|---|
| Mano Bank | Lithuania | 12 months | 2.94% | €1,000 | Lithuanian DGS (€100,000) |
| SME Bank | Latvia | 12 months | 2.89% | €1,000 | Latvian DGS (€100,000) |
| Mano Bank | Lithuania | 24 months | 2.59% | €1,000 | FGD Lithuania |
| SME Bank | Latvia | 24 months | 2.42% | €1,000 | FGD Latvia |
| Younited Credit | France | 12 months | 2.47% | €1,000 | FGD France (€100,000) |
| Younited Credit | France | 24 months | 2.67% | €1,000 | FGD France |
| Klarna Bank | Sweden | 12 months | 2.46% | €1,000 | FGD Sweden (€100,000) |
| Klarna Bank | Sweden | 24 months | 2.56% | €1,000 | FGD Sweden |
| BluOr Bank | Latvia | 12 months | 2.81% | €1,000 | Latvian DGS |
| Nordax Bank | Sweden | 24 months | 2.57% | €1,000 | Swedish Deposit Guarantee Fund |
Data verified in May 2026. Rates are subject to change at any time.
How does Raisin work?
With Raisin, you create a single account (“Raisin account”) and use it to open deposits at any of its partner banks without having to open a bank account at each one. The process:
- Open an account on Raisin.es (online process, ~10 minutes)
- Transfer money to your Raisin account (Surefin, S.A., regulated in Spain)
- Select the deposit you want, and the money is sent to the partner bank
- At maturity, the money returns to your Raisin account and from there to your bank
Raisin does not charge fees to the depositor — it is funded by the banks’ margins.
Are Raisin’s Baltic banks safe?
Mano Bank (Lithuania) and SME Bank (Latvia) offer the best rates. Some investors wonder if they are as safe as Spanish or German banks. The answer: the DGS is European; it does not depend on the individual bank.
- All deposits in the EU up to €100,000 are covered by the European DGS system
- The DGS kicks in if the bank goes bankrupt—in that case, the country’s government (Lithuania, Latvia) guarantees repayment
- Lithuania and Latvia are EU members and have DGS systems compliant with European Directive 2014/49/EU
- Real risk: if there were a systemic banking crisis in one of those countries, the DGS might take time to activate or encounter difficulties
To mitigate the risk: do not deposit more than €100,000 per bank. And if you have large amounts, diversify across several banks in countries with stronger economies (Germany, France, Sweden).
Best deposits by term
Best 12-month option
Mano Bank at 2.94% is the leader. For those who prefer greater country security: Younited Credit (France) at 2.47% or Klarna Bank (Sweden) at 2.46%.
Best 24-month
Younited Credit (France) at 2.67% leads the pack. Klarna Bank (Sweden) at 2.56% is the second-best option, backed by a Nordic country.
Best liquidity (savings account)
For money you might need: Lea Bank (Norway) at 1.85% with a 4-day notice period is the most flexible savings account on Raisin.
Raisin vs. direct deposits at Spanish banks
| Option | Best 12-month rate | Guarantee | Complexity |
|---|---|---|---|
| Raisin (best banks) | 2.94% (Mano Bank) | European FGD | Average (one platform) |
| EVO Banco (Spain) | 2.85% | Spanish DGS | Baja (Spanish bank) |
| Pibank (Spain) | 2.12% | FGD Spain | Baja (Spanish bank) |
The difference between Raisin (2.94%) and EVO Banco (2.85%) is 0.09 percentage points — on €20,000 for one year: ~€18 more. For many people, the peace of mind that comes with a Spanish bank supervised by the Bank of Spain is worth that difference.