Lithuania (A)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 1,335 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€20,000.00 - €100,000.00
Extension
An extension is possible and can be requested via online banking.
Withholding tax
In Lithuania, a withholding tax of 15% is levied, which can be reduced
to 10% if this option is stated in the product information sheet. To
qualify for a withholding tax reduction, please submit a certificate of
residence and another tax form no later than four weeks before the
interest payment date (due date).
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Finora Bank is part of the Finora Group, which has been operating since 2014. The
bank operates in Estonia and Lithuania, offering loans, leasing, and factoring
services to small and medium-sized enterprises (SMEs). The bank's founders and
managers are highly qualified professionals with more than 25 years of
experience in the financial sector. In its daily business, the bank aims to be a
well-known and trusted bank in the SME segment. Finora Bank therefore offers its
services using digital solutions.
About the country
Lithuania, the southernmost and largest state in the Baltic region, has been an
independent semi-presidential democracy since 1990. Like the rest of the Baltic
region, Lithuania has been strongly oriented politically and economically
towards Europe since its independence and has been a member of the European
Union (EU) since 2004 and part of the Eurozone since 2015. Lithuania's economic
growth is stable, and its national debt, at 40.2% of GDP (as of 2016), is very
low by European standards. Due to its geographical location and long history,
Lithuania is culturally diverse and influenced by a wide variety of cultures.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.65%pa
1 year
Stay flexible: Flexible deposits are fixed-term
deposits that you can withdraw early at any time.
Flex money
Lithuania (A)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 1,325 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
The European Merchant Bank (EMBank) was licensed by the European Central Bank in
December 2018. Based in the Lithuanian capital Vilnius, the bank is
distinguished by its many years of experience and management expertise in the
European banking sector. The European Merchant Bank's offering primarily
consists of financial products for small and medium-sized enterprises (SMEs).
Its product portfolio includes lending, fixed-term deposit products, and
commercial loans. The bank's goal is always to achieve high customer
satisfaction through financial expertise and modern technology solutions.
About the country
Lithuania, the southernmost and largest state in the Baltic region, has been an
independent semi-presidential democracy since 1990. Like the rest of the Baltic
region, Lithuania has been strongly oriented politically and economically
towards Europe since its independence and has been a member of the European
Union (EU) since 2004 and part of the Eurozone since 2015. Lithuania's economic
growth is stable, and its national debt, at 40.2% of GDP (as of 2016), is very
low by European standards. Due to its geographical location and long history,
Lithuania is culturally diverse and influenced by a wide variety of cultures.
Additional bank information
Year of foundation
2018
Place of foundation
Vilnius
Number of employees
64
Sales focus
Corporate banking, corporate loans, working capital loans, leasing,
deposit business
Countries in which the bank has branches
Lithuania
Total capital ratio
17.60%
Total capital ratio specified by the supervisory authority
8.00%
Listed on the stock exchange
No
Parent company shares in the bank
100.00%
Country of deposit insurance
Lithuania
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: A2, S&P: A, Fitch: A, DBRS: A high
* As of: December 13, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.45%pa
3 months
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Malta (A-)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 306 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
1.00 € - 100,000.00 €
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
There is no withholding tax in Malta. Interest income in Germany is
subject to withholding tax, the solidarity surcharge, and, if
applicable, church tax. Raisin Bank is obligated to withhold tax. The
tax treatment depends on the investor's personal circumstances.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
FIMBank plc is a licensed credit institution headquartered in Malta. It is listed
on the Malta Stock Exchange and just celebrated its 25th anniversary in 2019.
FIMBank is a leading international provider of trade finance, factoring, and
forfaiting services, operating in several key financial and trading centers
around the world. As a customer-centric service provider, FIMBank focuses on
optimizing business performance and growth strategies. It offers customized
trade finance solutions for corporate clients in over 50 countries around the
globe. FIMBank is a member of the KIPCO Group, one of the largest holding
companies in the Middle East and North Africa. The KIPCO Group employs over
16,000 people across 60 companies in over 24 countries.
About the country
Malta is a member of the European Union and, since 2008, of the Eurozone. Malta
is classified as a modern economy by the International Monetary Fund and a
high-income country by the World Bank. The World Economic Forum describes Malta
as particularly innovation-oriented. The strengths of the Maltese economy lie in
its strategic location in the middle of the Mediterranean, in the triangle
between Europe, North Africa, and the Middle East, its open market economy, its
multilingual population (88% of Maltese people speak English), and its
well-developed financial and information and communications technology centers.
At the beginning of 2018, Malta was rated A- by Standard & Poor's and A3 by
Moody's. At 69.8% of GDP, Malta's public debt is lower than that of Germany,
France, the United Kingdom, and Austria.
Additional bank information
Year of foundation
1994
Place of foundation
St. Julian's
Number of employees
172
Number of branches / offices
2
Sales focus
Deposit business, factoring, commercial real estate financing, corporate
loans
Countries in which the bank has branches
Malta, Greece, United Arab Emirates
Total capital ratio
18.20%
Total capital ratio specified by the supervisory authority
8.00%
Average return on equity over the last three years
-3.30%
Listed on the stock exchange
Yes
Bank rating
Fitch: B
Parent company shares in the bank
100.00%
Country of deposit insurance
Malta
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: A2, S&P: A-, Fitch: A+, DBRS: A high
* As of: December 17, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.43%pa
3 months
No withholding tax is payable
No withholding tax
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 304 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
IBL Banca is a major player in Italy's personal lending sector and is among the
most competitive banks offering interest-bearing accounts. Founded in 1927 as
the Istituto Nazionale di Credito agli Impiegati (National Institute for Credit
for Undergraduates), the bank was transformed into a bank in 2004 and into a
banking group in 2008. The IBL Banca Group operates in Italy with over 55
branches and representative offices. In 2018, IBL Banca received its first
official rating (BBB) from the European agency Scope. This rating was
confirmed in 2021, making the bank an investment-grade issuer. The final rating
is based on the bank's market-leading position and very solid financial data,
such as capitalization and asset quality.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Additional bank information
Year of foundation
1927
Place of foundation
Rome
Number of employees
733
Number of branches / offices
53
Sales focus
Insurance, consumer loans, payment solutions
Countries in which the bank has branches
Italy
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
7.85%
Average return on equity over the last three years
8.87%
Listed on the stock exchange
No
Parent company shares in the bank
100.00%
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 18, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.31%pa
6 months
Austria (AA+)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 578 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
1,000.00 € - 100,000.00 €
Cost
No
Extension
An extension is not possible.
Withholding tax
In Austria, a withholding tax of 25% is levied, but this tax is waived
if the "Declaration of Natural Persons for the Purposes of Domestic
Withholding Tax Relief" is submitted on time. We will provide you with
this declaration pre-filled in your online banking system with
confirmation of the attachment. The document is valid for five years
from the date of signature by the tax office – and thus also for further
attachments during this period.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Austrian Anadi Bank AG is a challenger to the status quo, headquartered in
Klagenfurt am Wörthersee. It operates in the core areas of digital banking,
corporate banking, and public finance. Its primary goal is to provide simple and
cost-effective digital services to its customers. From Carinthia to all of
Europe: Anadi Bank was founded in 1896 as a state mortgage institution. Since
then, it has stood the test of time and overcome numerous financial and
geopolitical crises. Throughout its history, Anadi Bank has required a great
deal of staying power and has repeatedly had to prove its ability to adapt to a
new environment. This resilience is even reflected in its name: "Anadi" means
"eternal" in Hindu. Regional value creation and support for the people of the
region: Anadi Bank employs around 180 people. Almost 140 of them work in the
digital sector. In recent years, it has created almost 100 digital jobs in
Carinthia, thus making a tangible contribution to strengthening Carinthia as a
business location. The strategic cooperation with the University of Klagenfurt,
launched in 2023 to promote young talent, is also driving forward promising
topics such as digitalization and AI. In the coming years, the bank plans to
create additional new jobs in Carinthia. The state of Carinthia has close ties
to Anadi Bank. Based on its history, the bank also sees a responsibility to make
a contribution beyond job creation. With its association "Anadi hilft," the bank
does just that: It supports selected social projects in the region and thus aims
to strengthen social cohesion.
About the country
The Republic of Austria is a democratic and federal landlocked country in Central
Europe, a member of the EU since 1995 and a founding member of the OECD. With a
higher per capita gross domestic product than Germany, Austria is one of the
wealthiest countries in the EU. The Austrian economy is characterized primarily
by the high proportion of renewable energy used in energy consumption, which is
primarily due to the use of hydropower in the Alps. The country maintains high
standards regarding banking secrecy, compliance, and investor protection and
enjoys an Aa1/AA+ financial rating. Austria as a banking center is governed by
strict legal requirements, compliance with which is continuously monitored by
the supervisory authorities.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
1.90%pa
6 months
Detailed information can be found in the offer
details in the sustainability data sheet
Sustainable
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Germany (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 475 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
1,000.00 € - 100,000.00 €
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
In Germany, interest income is subject to withholding tax, the
solidarity surcharge, and, if applicable, church tax. Raisin Bank is
obligated to withhold tax. The tax treatment depends on the investor's
personal circumstances.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Creditplus Bank was founded in 1960 in Stuttgart, where it is still headquartered
today. With its clear focus on consumer loans and the diversity of its sales
channels, Creditplus Bank is unique in Germany. Its activities focus on simple
yet responsible lending. As a wholly owned subsidiary of CA Consumer Finance,
Creditplus Bank is part of the Crédit Agricole banking group, one of the largest
banking groups in the world. As part of this banking group, Creditplus Bank is
committed to cooperative principles and builds on values such as solidarity,
democracy, and reciprocity. The satisfaction and interests of customers,
employees, shareholders, and cooperative members are always at the heart of its
actions.
About the country
The Federal Republic of Germany is by far the strongest trading nation among the
member states of the European Union. Germany is one of the few countries
worldwide to boast the highest possible AAA rating (highest credit rating) from
all three major rating agencies.
Additional bank information
Year of foundation
1960
Place of foundation
Stuttgart
Number of employees
727
Number of branches / offices
20
Sales focus
Consumer loans, deposit business, sales financing, insurance, building
society
Countries in which the bank has branches
Germany
Total capital ratio
14.99%
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
1.80%
Average return on equity over the last three years
years
3.97%
Listed on the stock exchange
No
Bank rating
Moody's: Aa2, S&P: A+, Fitch: A+, DBRS: A high
Parent company shares in the bank
100.00%
Country of deposit insurance
Germany
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Aaa, S&P: AAA, Fitch: AAA, DBRS: AAA
* As of: April 1, 2025 - The data is provided by our partner FMH-Finanzberatung
eK for private use. Raisin SE assumes no liability for the timeliness, accuracy,
or completeness of the information. FMH-Finanzberatung specializes in
information on interest rates and financial products and has been collecting
financial data in Germany since 1986 and preparing it for consumers, banks, and
editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.39%pa
9 months
No withholding tax is payable
No withholding tax
Sweden (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 896 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Qred is a Swedish bank founded in 2015 with the mission to improve small business
banking and prioritize customer needs. Headquartered in Stockholm, the company
operates in several Northern European markets and is the market leader in small
business financing in the Nordic region. In its day-to-day operations, Qred
focuses particularly on flexible and fair financing—including providing a credit
card specifically for entrepreneurs, lending, and factoring services.
About the country
Sweden is a parliamentary democracy with a monarchical head of state and is
located in Northern Europe. The country has been a member of the European Union
since 1995, but has its own currency, the Swedish krona (SEK). Sweden has a high
per capita income and a healthy economy, which is why it has been awarded an AAA
credit rating by leading rating agencies.
×
Security of your deposits
In accordance with EU Directive 2014/49/EU on deposit guarantee schemes, your
deposits – including accrued but not yet credited interest – are protected by
the Swedish statutory deposit guarantee scheme up to a maximum of SEK 1,050,000
(the equivalent in euros) per account holder and bank (if you still have
balances at the relevant bank outside of World Savings, all amounts are added
together and together fall below the limit). Repayment will be made to your
World Savings account in euros. The refundable amount will be transferred to the
account holder within 7 business days of the deposit guarantee scheme coming
into effect. The protection applies to all natural persons, regardless of
whether they reside in Sweden or elsewhere. The administrator and enforcer of
the deposit guarantee scheme is the Riksgälden (https://www.riksgalden.se/en/).
2.45%pa
2 years
Latvia (A)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 2,450 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
50,000.00 € - 100,000.00 €
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
In Latvia, a withholding tax of 25.5% will be levied on interest
payments starting January 1, 2025. However, this tax can be reduced. To
reduce the withholding tax to 10%, a certificate of residency must be
submitted to the bank no later than eight weeks before the due date.
This certificate can then be fully credited against capital gains tax in
Germany.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Signet Bank was founded in 1992 under the name Latvian Business Bank and is one
of Latvia's first banks. Since 2013, Signet Bank's strategy has been focused on
business people and their companies. The bank focuses particularly on managing
client capital and structuring investment projects. Signet Bank provides
customized services for clients' families and businesses.
About the country
Latvia, located in the center of the Baltic states, has been an independent
parliamentary democracy since 1991, a member of the European Union (EU) since
2004, and part of the Eurozone since 2014. The Latvian economy is characterized
by a high degree of business friendliness, which is also reflected in a large
number of successful start-ups, particularly in the capital, Riga. Latvian
economic growth is stable, and at 37.9% of GDP (as of 2016), public debt is very
low by European standards. Culturally, Latvia is characterized by strong
Northern European influences, Hanseatic architecture, and its famous musical
folklore.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Latvian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
1.42%pa
1.5 years
Stay flexible: Flexible deposits are fixed-term
deposits that you can withdraw early at any time.
Flex money
Croatia (BBB+)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 1,065 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€5,000.00 - €100,000.00
Cost
No
Extension
An extension is possible and can be requested via online banking.
Withholding tax
Croatia normally imposes a withholding tax of 12%. However, this can be
reduced to 0% by submitting a certificate of residence, provided it is
provided no later than four weeks before each interest payment.
Documents to be submitted
To open an account, an original application must be submitted by post.
Founded in 1872, Podravska banka dd is one of the oldest banks in Croatia. It is
a modern financial institution based in Koprivnica, which stands for innovative
banking and personalized customer service.
About the country
The Republic of Croatia is a country in Central Europe, a member of the European
Union since July 1, 2013, and a member of the Eurozone since 2023. The Croatian
economy has been on the upswing since the beginning of 2015 and was further
strengthened by the structural reforms adopted in January 2016. Accordingly, EU
forecasts for Croatia's economic outlook are positive, not least due to
significant increases in trade with Germany.
×
Security of your deposits
Deposits, including interest income, are legally protected by the Croatian
Deposit Guarantee Fund up to an amount of EUR 100,000 (as of January 1, 2023)
per customer and per bank. Further information on deposit guarantees can be
found at https://www.haod.hr/en/. Within the European Union, the minimum
requirements are harmonized across all member states by Directives 94/19/EC,
2009/14/EC, and 2014/49/EU. Please note that this guarantee applies to a
customer's entire deposits at a bank. This is relevant if not only the deposits
brokered through WeltSparen were invested at a specific bank, but also if this
customer has additional deposits at the respective bank.
1.50%pa
2.5 years
Czech Republic (AA-)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 1,875 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 SEK per customer and per bank - payout in CZK
Currency
EUR
Minimum/maximum deposit
10,000.00 € - 100,000.00 €
Cost
No
Extension
An extension is possible and can be requested via online banking.
Withholding tax
A withholding tax of 15% is generally levied, but this can be reduced to
0%. To qualify for a withholding tax reduction, a certificate of
residency must be submitted no later than four weeks before the first
interest payment (interest capitalization), and for multi-year
fixed-term deposit products, also before the maturity date.
Documents to be submitted
To open an account, you must submit an account opening application, a
tax form or a scanned supporting document via online banking (see
product information sheet).
J&T Banka was founded in Prague in 1998 and is part of the Czech-Slovak J&T
Finance Group, which holds investments in various industries, including the
energy sector, healthcare, real estate, and media. The Czech football club
Sparta Prague is also part of its portfolio. Over the past few years, the bank
has established itself as one of the largest private banks on the Czech market.
Additional bank branches are operated in Slovakia, Russia, and Croatia, among
others. The bank is a reliable partner, especially for clients with high demands
on service and product quality. In addition to complex private banking services,
J&T Banka offers specialized financing for real estate and corporate
acquisitions, as well as securities transactions for private investors.
About the country
The Czech Republic is located in the center of Europe and has been a member of
the European Union for over a decade (May 2004), ensuring barrier-free access to
the EU market. In terms of economic strength, both countries are highly
developed industrial nations and are among the key economies of Central and
Eastern Europe. The Czech Republic's national debt-to-GDP ratio is among the
lowest in the entire EU and is lower than Germany's. The Czech Republic has
received an investment-grade rating with a stable outlook from all major rating
agencies. The Czech banking system is considered healthy and stable.
×
Security of your deposits
The Czech Republic's statutory deposit guarantee scheme guarantees a maximum
protection amount equivalent to EUR 100,000 per bank and customer. In the event
of a payout by the Deposit Guarantee Fund, this is made in Czech crowns (CZK) at
the exchange rate on the day the deposit guarantee event is determined.
Therefore, a currency/exchange rate risk exists. Further information on deposit
guarantee schemes can be found at https://www.garancnisystem.cz/de. Within the
European Union, the minimum requirements are harmonized across all member states
by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this
protection applies to a customer's entire deposits at a bank. This is relevant
if not only the deposits brokered through WeltSparen were invested at a specific
bank, but also if this customer has additional deposits at the respective bank.
2.62%pa
3 years
No withholding tax
No withholding tax
Recommended by Stiftung Warentest: This offer is
part of the current best list of the specialist magazine Finanztest of
Stiftung Warentest.
Financial test best list
Luxembourg (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 3,930 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
RiverBank is a Luxembourg-based credit institution. Founded in 2017, it
specializes in financing solutions for small and medium-sized enterprises (SMEs)
in the Benelux countries, France, and Germany. To this end, RiverBank
collaborates with a network of diverse advisors and partners—including law
firms, tax advisors, and financial institutions. Within its lending business,
RiverBank combines banking with the best of financial technology. This allows
the bank to offer its customers digitalized and simple processes that have,
among other things, significantly simplified and shortened the processing of
loan applications.
About the country
Located between Germany, France, and Belgium, Luxembourg, with an area of 2,586
km² and a population of approximately 602,000, is one of the smallest member
states of the European Union. However, due to its strategic geographical
location, the continuous expansion of its foreign relations, and its integration
into a larger economic environment, Luxembourg's economy and domestic market
extend beyond the narrow confines of the Grand Duchy. Luxembourgers enjoy the
second-highest per capita gross domestic product in the world after Qatar.
Luxembourg's most important economic sector is finance, with many banks and
insurance companies located here. Among the eurozone member states, only
Germany, Luxembourg, and the Netherlands enjoy a AAA rating, which was
reaffirmed in March 2019. All of Luxembourg's major banks have passed the ECB
(European Central Bank) stress tests with excellent results over the past four
years. Luxembourg's financial world is increasingly making its mark in the green
finance sector, for example with the Luxembourg Green Exchange (LGX), which, as
an ecologically oriented stock index, now lists more than 50% of the world's
green bonds.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Luxembourg
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.55%pa
4 years
No withholding tax
No withholding tax
Recommended by Stiftung Warentest: This offer is
part of the current best list of the specialist magazine Finanztest of
Stiftung Warentest.
Financial test best list
Sweden (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 5,298 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Rediem Capital AB is a Swedish credit market company operating in several
European countries, including Sweden, Germany, Norway, and Finland. Founded in
2015, the bank is a wholly-owned subsidiary of TF Bank, which specializes in
managing non-performing loans.
About the country
Sweden is a parliamentary democracy with a monarchical head of state and is
located in Northern Europe. The country has been a member of the European Union
since 1995, but has its own currency, the Swedish krona (SEK). Sweden has a high
per capita income and a healthy economy, which is why it has been awarded an AAA
credit rating by leading rating agencies.
Additional bank information
Year of foundation
2015
Place of foundation
Stockholm
Sales focus
Deposit business, corporate loans
Countries in which the bank has branches
Sweden, Germany, Finland, Norway
Total capital ratio specified by the supervisory authority
8.00%
Average return on equity over the last three years
3.60%
Listed on the stock exchange
No
Parent company shares in the bank
100%
Country of deposit insurance
Sweden
Amount of statutory deposit protection
1,050,000.00 SEK
Country rating
Moody's: Aaa, S&P: AAA, Fitch: AAA, DBRS: AAA
* As of: February 4, 2025 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
In accordance with EU Directive 2014/49/EU on deposit guarantee schemes, your
deposits – including accrued but not yet credited interest – are protected by
the Swedish statutory deposit guarantee scheme up to a maximum of SEK 1,050,000
(the equivalent in euros) per account holder and bank (if you still have
balances at the relevant bank outside of World Savings, all amounts are added
together and together fall below the limit). Repayment will be made to your
World Savings account in euros. The refundable amount will be transferred to the
account holder within 7 business days of the deposit guarantee scheme coming
into effect. The protection applies to all natural persons, regardless of
whether they reside in Sweden or elsewhere. The administrator and enforcer of
the deposit guarantee scheme is the Riksgälden (https://www.riksgalden.se/en/).
2.56%pa
4 years
Lithuania (A)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 5,120 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€20,000.00 - €95,000.00
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
In Lithuania, a withholding tax of 15% is levied, which can be reduced
to 10% if this option is stated in the product information sheet. To
qualify for a withholding tax reduction, please submit a certificate of
residence and another tax form no later than four weeks before the
interest payment date (due date).
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Saldo Bank UAB is a specialized bank founded in 2006. A subsidiary of the Finnish
fintech company Saldo Finance, it is authorized by the European Central Bank and
regulated by the Bank of Lithuania (Central Bank of the Republic of Lithuania).
In its daily business, Saldo Bank offers, among other things, credit solutions
for consumers and small and medium-sized enterprises (SMEs). The bank uses a
fully automated approval system to adapt its credit services to the specific
characteristics of each market.
About the country
Lithuania, the southernmost and largest state in the Baltic region, has been an
independent semi-presidential democracy since 1990. Like the rest of the Baltic
region, Lithuania has been strongly oriented politically and economically
towards Europe since its independence and has been a member of the European
Union (EU) since 2004 and part of the Eurozone since 2015. Lithuania's economic
growth is stable, and its national debt, at 40.2% of GDP (as of 2016), is very
low by European standards. Due to its geographical location and long history,
Lithuania is culturally diverse and influenced by a wide variety of cultures.
Additional bank information
Year of foundation
2006
Place of foundation
Vilnius
Sales focus
Corporate loans, consumer loans, deposit business
Countries in which the bank has branches
Lithuania, Finland, Sweden
Total capital ratio specified by the supervisory authority
8.00%
Listed on the stock exchange
No
Parent company shares in the bank
100%
Country of deposit insurance
Lithuania
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: A2, S&P: A, Fitch: A, DBRS: A high
* As of: February 6, 2025 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Lithuanian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.20%pa
5 years
No withholding tax is payable
No withholding tax
No withholding tax is payable
Financial test best list
France (AA-)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 5,747 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Younited Credit SA is an online banking platform for loans, founded in 2009 by
young bankers in Paris. Today, Younited Credit SA is the leading platform for
online lending institutions in France. It also operates in Spain and Italy. The
platform's goal is to provide borrowers with a faster, easier, and cheaper way
to obtain a loan than through the traditional banking system. Similar to the
principle of a credit marketplace, the platform brings borrowers and lenders
together. Younited Credit SA's offerings include loans, car financing, personal
loans, and debt consolidation.
About the country
The French Republic is a democratic centralized state in Western Europe with
overseas islands and territories on various continents. France is the
sixth-largest economy in the world and, alongside Germany, the most important
industrialized country in Europe. The country has been part of the Eurozone
since 1999, and France's creditworthiness is currently rated "AA" by leading
rating agencies, which corresponds to an investment-grade rating with a stable
outlook.
Additional bank information
Year of foundation
2009
Place of foundation
Paris
Sales focus
Consumer loans, insurance
Countries in which the bank has branches
France, Germany, Italy, Portugal, Spain
Total capital ratio specified by the supervisory authority
8.00%
Listed on the stock exchange
No
Country of deposit insurance
France
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Aa3, S&P: AA-, Fitch: AA-, DBRS: AA high
* As of: March 27, 2025 - The data is provided by our partner FMH-Finanzberatung
eK for private use. Raisin SE assumes no liability for the timeliness, accuracy,
or completeness of the information. FMH-Finanzberatung specializes in
information on interest rates and financial products and has been collecting
financial data in Germany since 1986 and preparing it for consumers, banks, and
editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the French Deposit
Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within
the European Union, the minimum requirements are harmonized across all member
states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted
that this protection applies to a customer's entire deposits at a bank. This is
relevant if not only the deposits brokered through WeltSparen were invested at a
specific bank, but also if other deposits from this customer were invested at
the respective bank.
1.45%pa
5 years
Stay flexible: Flexible deposits are fixed-term
deposits that you can withdraw early at any time.
Flex money
Croatia (BBB+)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 3,625 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€5,000.00 - €100,000.00
Cost
No
Extension
An extension is possible and can be requested via online banking.
Withholding tax
Croatia normally imposes a withholding tax of 12%. However, this can be
reduced to 0% by submitting a certificate of residence, provided it is
provided no later than four weeks before each interest payment.
Documents to be submitted
To open an account, an original application must be submitted by post.
Founded in 1872, Podravska banka dd is one of the oldest banks in Croatia. It is
a modern financial institution based in Koprivnica, which stands for innovative
banking and personalized customer service.
About the country
The Republic of Croatia is a country in Central Europe, a member of the European
Union since July 1, 2013, and a member of the Eurozone since 2023. The Croatian
economy has been on the upswing since the beginning of 2015 and was further
strengthened by the structural reforms adopted in January 2016. Accordingly, EU
forecasts for Croatia's economic outlook are positive, not least due to
significant increases in trade with Germany.
×
Security of your deposits
Deposits, including interest income, are legally protected by the Croatian
Deposit Guarantee Fund up to an amount of EUR 100,000 (as of January 1, 2023)
per customer and per bank. Further information on deposit guarantees can be
found at https://www.haod.hr/en/. Within the European Union, the minimum
requirements are harmonized across all member states by Directives 94/19/EC,
2009/14/EC, and 2014/49/EU. Please note that this guarantee applies to a
customer's entire deposits at a bank. This is relevant if not only the deposits
brokered through WeltSparen were invested at a specific bank, but also if this
customer has additional deposits at the respective bank.
2.71%pa
6 years
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Luxembourg (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 8,130 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
BTG Pactual Europe SA is part of the BTG Pactual Group, Latin America's largest
investment bank, offering specialized services in wealth management, asset
management, investment banking, corporate lending, and sales and trading. Since
its founding in 1983, the BTG Pactual Group has embraced a performance-oriented,
collaborative culture centered on client focus, excellence, and a long-term
vision. BTG Pactual currently employs over 7,000 people in offices in Brazil,
the United States, Luxembourg, the United Kingdom, Portugal, Spain, Mexico,
Colombia, Chile, Peru, and Argentina. The group boasts a solid balance sheet,
state-of-the-art technology, and is poised to offer a global advisory service to
protect and grow its clients' wealth. BTG Pactual Europe is a Luxembourg-based
credit institution supervised by the Commission de Surveillance du Secteur
Financier (CSSF). The bank places particular emphasis on serving European
clients with financial or business ties to South America.
About the country
Located between Germany, France, and Belgium, Luxembourg, with an area of 2,586
km² and a population of approximately 602,000, is one of the smallest member
states of the European Union. However, due to its strategic geographical
location, the continuous expansion of its foreign relations, and its integration
into a larger economic environment, Luxembourg's economy and domestic market
extend beyond the narrow confines of the Grand Duchy. Luxembourgers enjoy the
second-highest per capita gross domestic product in the world after Qatar.
Luxembourg's most important economic sector is finance, with many banks and
insurance companies located here. Among the eurozone member states, only
Germany, Luxembourg, and the Netherlands enjoy a AAA rating, which was
reaffirmed in March 2019. All of Luxembourg's major banks have passed the ECB
(European Central Bank) stress tests with excellent results over the past four
years. Luxembourg's financial world is increasingly making its mark in the green
finance sector, for example with the Luxembourg Green Exchange (LGX), which, as
an ecologically oriented stock index, now lists more than 50% of the world's
green bonds.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Luxembourg
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
invested at the respective bank.
2.02%pa
6 years
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 6,060 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€10,000.00 - €100,000.00
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
For private customers, the following applies: withholding tax and, if
applicable, church tax. An exemption order can be applied for; we will
provide you with the "exemption order" form in your online banking after
you open your account. All income must be declared in your tax return.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
South Tyrolean savings bank Cassa di Risparmio di Bolzano
Südtiroler Sparkasse – Cassa di Risparmio di Bolzano is the largest credit
institution in South Tyrol, Italy. Founded in 1854, it is considered
independent. Headquartered in Bolzano, the bank currently operates more than 100
branches, primarily in South Tyrol, the neighboring province of Trentino, and
the northeastern province of Veneto. The bank also maintains an EU branch in
Munich. The branch network is complemented by advisory centers in the most
important economic centers of northern Italy, such as Milan, Verona, Padua, and
Venice-Mestre. In its daily business, Südtiroler Sparkasse focuses on financing
solutions for private customers, small and medium-sized enterprises (SMEs), and
public administration. In addition to traditional banking, the bank offers
corporate finance services and—in collaboration with specialized partners—wealth
management and insurance products.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Additional bank information
Year of foundation
1854
Place of foundation
Munich
Sales focus
Private banking, corporate banking, deposit-taking, securities trading,
consumer loans, corporate loans, real estate financing for private
individuals, insurance, leasing, factoring
Countries in which the bank has branches
Italy, Germany
Total capital ratio specified by the supervisory authority
8.00%
Average return on equity over the last three years
9.22%
Listed on the stock exchange
No
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
2.90%pa
7 years
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Germany (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 10,150 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
1,000.00 € - 100,000.00 €
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
In Germany, interest income is subject to withholding tax, the
solidarity surcharge, and, if applicable, church tax. Raisin Bank is
obligated to withhold tax. The tax treatment depends on the investor's
personal circumstances.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Founded in 1952 and headquartered in Frankfurt am Main, AKA
Ausfuhrkredit-Gesellschaft mbH specializes in international export and trade
finance. Its core product is the provision of government-backed loans to finance
European export transactions. AKA's operations are strengthened by its close
cooperation with its partner banks, which comprise leading German universal
banks and specialized institutions, as well as European banks.
About the country
The Federal Republic of Germany is by far the strongest trading nation among the
member states of the European Union. Germany is one of the few countries
worldwide to boast the highest possible AAA rating (highest credit rating) from
all three major rating agencies.
×
Security of your deposits
Deposits, including accrued interest, are legally protected up to an amount of
EUR 100,000 per customer and per bank by the German Banking Compensation Scheme
(Bedarfseinrichtung deutscher Banken GmbH). Within the European Union, the
minimum requirements are harmonized across all member states by Directives
94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection
applies to a customer's entire deposits at a bank. This is relevant if not only
deposits from a customer brokered through this platform were invested at a
specific bank, but also if additional deposits from this customer were also
invested at the respective bank.
2.50%pa
7 years
Belgium (AA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 9,434 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€5,000.00 - €100,000.00
Cost
No
Extension
An extension is not possible.
Withholding tax
In Belgium, a withholding tax of 30% is withheld if you either provide
the bank with the tax form ("Withholding Tax Exemption for Non-Resident
Savers") or agree to the explanations on the tax form during the account
opening process in online banking. With either approach, the withholding
tax can be reduced to 0%. The process varies from bank to bank. If a
form is required, we will provide it pre-filled with your data in online
banking during the account opening process. You then return it to us,
signed and scanned, or by mail. For more detailed information, please
refer to the product information sheet.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
BankB (formerly CKV Spaarbank) is an independent Belgian savings bank founded in
1956. Its headquarters are in Waregem (West Flanders). The bank offers a wide
range of traditional savings products as well as customized credit solutions for
private and business customers. As a non-listed financial institution, BankB is
supervised by the National Bank of Belgium and the Financial Services and
Markets Authority (FSMA).
About the country
The Kingdom of Belgium, with approximately 11 million inhabitants, is a Western
European country with Brussels as its capital. Since 1957, the country has been
a founding member of what was then the European Economic Community, now the
European Union. Thanks to its location in the heart of Europe, not only are
several European institutions, such as the Commission and the European
Parliament, headquartered in Brussels, but Belgium is also one of the world's
largest exporters of goods.
Additional bank information
Year of foundation
1956
Place of foundation
Waregem
Number of employees
65
Sales focus
Deposit business, consumer loans, deposit business, real estate
financing for private individuals, commercial real estate financing
Countries in which the bank has branches
Belgium
Total capital ratio
17.60%
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
10.32%
Average return on equity over the last three years
17.36%
Listed on the stock exchange
No
Parent company shares in the bank
99.99%
Country of deposit insurance
Belgium
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Aa3, S&P: AA, Fitch: AA-, DBRS: AA high
* As of: December 13, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Belgian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
3.40%pa
10 years
No withholding tax is payable
No withholding tax
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 17,000 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Banca Sistema, originally from Italy, was founded in Milan in 2011 and now also
has offices in Rome and London. Its initial public offering (IPO) in the Star
Segment of the Borsa Italiana took place in June 2015. Banca Sistema's offerings
include the purchase of commercial receivables from Italian public
administrations and tax receivables.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Total capital ratio specified by the supervisory authority
8.00%
Listed on the stock exchange
Yes
Parent company shares in the bank
50.20%
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
2.90%pa
7 years
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Germany (AAA)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 10,150 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
1,000.00 € - 100,000.00 €
Cost
No
Extension
An extension will be initiated automatically unless you deactivate it in
online banking.
Withholding tax
In Germany, interest income is subject to withholding tax, the
solidarity surcharge, and, if applicable, church tax. Raisin Bank is
obligated to withhold tax. The tax treatment depends on the investor's
personal circumstances.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Aareal Bank AG, headquartered in Wiesbaden, is a leading international real
estate specialist. The bank's origins date back to 1923. It offers financing,
software products, and digital solutions for the real estate sector and related
industries. Aareal Bank operates on three continents – Europe, North America,
and Asia/Pacific – and supports real estate financing in more than 20 countries.
About the country
The Federal Republic of Germany is by far the strongest trading nation among the
member states of the European Union. Germany is one of the few countries
worldwide to boast the highest possible AAA rating (highest credit rating) from
all three major rating agencies.
Additional bank information
Year of foundation
1923
Place of foundation
Berlin
Number of employees
1045
Number of branches / offices
14
Sales focus
Corporate banking, deposit-taking, payment solutions, commercial real
estate financing
Countries in which the bank has branches
Germany, France, Ireland, Italy, Poland, Sweden, Singapore, Spain,
Turkey, United Kingdom, United States of America
Total capital ratio
23.50%
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
1.40%
Average return on equity over the last three years
2.83%
Listed on the stock exchange
Yes
Market capitalization (if listed)
1990M EUR
Bank rating
Moody's: Baa1, Fitch: BBB
Parent company shares in the bank
100.00%
Country of deposit protection
Germany
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Aaa, S&P: AAA, Fitch: AAA, DBRS: AAA
* As of: December 5, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected up to an amount of
EUR 100,000 per customer and per bank by the German Banking Compensation Scheme
(Bedarfseinrichtung deutscher Banken GmbH). Within the European Union, the
minimum requirements are harmonized across all member states by Directives
94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection
applies to a customer's entire deposits at a bank. This is relevant if not only
deposits from a customer brokered through this platform were invested at a
specific bank, but also if additional deposits from this customer were also
invested at the respective bank.
2.90%pa
5 years
No withholding tax is payable
No withholding tax
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 7,250 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
The Italian Banca Progetto was founded in 1994 and has been part of Oaktree
Capital Management LP, one of the world's largest investment firms, since
December 2015. Headquartered in Milan, the bank maintains a branch in Rome and a
network of offices throughout Italy. As a provider of financing solutions, Banca
Progetto specializes in the public sector and small and medium-sized
enterprises. Since March 21, 2025, the Italian financial regulator, the Bank of
Italy, has temporarily assumed extraordinary management of the bank. The bank
continues to operate normally. Additional information can be found in the press
release.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
28.80%
Average return on equity over the last three years
29.07%
Listed on the stock exchange
No
Parent company shares in the bank
99.82%
Country of deposit protection
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
2.80%pa
2 years
Slovakia (A+)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 2,800 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€5,000.00 - €100,000.00
Cost
No
Extension
An extension is possible and can be requested via online banking.
Withholding tax
A withholding tax of 19% is generally levied, but this can be reduced to
0%. To qualify for a withholding tax reduction, a certificate of
residence must be submitted no later than 28 days before the first
interest payment.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
Privatbanka was founded in Slovakia in 2005. It was the first Slovak bank to
focus on private banking for wealthy clients. Today, the bank offers specialized
services to both private and business clients. In addition to traditional
banking products, its offerings include the creation of individual investment
strategies and customized investment solutions.
About the country
The Slovak Republic is a country in Central Europe and has been a member of the
European Union and NATO since 2004. The euro has been the national currency
since 2007. At 53% of gross domestic product in 2015, national debt was lower
than in Germany. EU forecasts for the economic outlook in the Slovak Republic
are positive; the country has been awarded an investment-grade rating by leading
rating agencies, indicating a stable outlook.
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
19.10%
Average return on equity over the last three years
14.06%
Listed on the stock exchange
No
Parent company shares in the bank
100%
Country of deposit protection
Slovakia
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: A3, S&P: A+, Fitch: A-, DBRS: A
* As of: January 29, 2025 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits – including accrued interest – are guaranteed up to an amount of EUR
100,000 per customer and bank by the Slovak Deposit Guarantee Fund. Within the
European Union, the minimum requirements for the deposit guarantee scheme of the
individual member states have been harmonized by EU Directives 1994/19/EC,
2009/14/EC, and 2014/49/EU. Please note that deposit coverage refers to the
total deposits a customer has with a bank. This is important if a customer has
not only deposited money with a bank through Raisin but also holds other
deposits with the bank.
2.00%pa
34 days
Withholding of capital gains tax, solidarity
surcharge and, if applicable, church tax
Simplified tax handling
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 1,014 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Fully available daily. Investment amount and interest are paid out
within 34 days.
Interest credit
Yearly
Interest payment
Yearly
Interest rate changes
The interest rate is subject to change at any time. We will notify you
accordingly in advance.
Investment
Special Features
Deposits and withdrawals of partial amounts are not possible. Only the
entire investment amount can be canceled.
Deposit protection
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
€10,000.00 - €100,000.00
Cost
No
Extension
An extension is not possible.
Withholding tax
For private customers, the following applies: withholding tax and, if
applicable, church tax. An exemption order can be applied for; we will
provide you with the "exemption order" form in your online banking after
you open your account. All income must be declared in your tax return.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
South Tyrolean savings bank Cassa di Risparmio di Bolzano
Südtiroler Sparkasse – Cassa di Risparmio di Bolzano is the largest credit
institution in South Tyrol, Italy. Founded in 1854, it is considered
independent. Headquartered in Bolzano, the bank currently operates more than 100
branches, primarily in South Tyrol, the neighboring province of Trentino, and
the northeastern province of Veneto. The bank also maintains an EU branch in
Munich. The branch network is complemented by advisory centers in the most
important economic centers of northern Italy, such as Milan, Verona, Padua, and
Venice-Mestre. In its daily business, Südtiroler Sparkasse focuses on financing
solutions for private customers, small and medium-sized enterprises (SMEs), and
public administration. In addition to traditional banking, the bank offers
corporate finance services and—in collaboration with specialized partners—wealth
management and insurance products.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Additional bank information
Year of foundation
1854
Place of foundation
Munich
Sales focus
Private banking, corporate banking, deposit-taking, securities trading,
consumer loans, corporate loans, real estate financing for private
individuals, insurance, leasing, factoring
Countries in which the bank has branches
Italy, Germany
Total capital ratio specified by the supervisory authority
8.00%
Average return on equity over the last three years
9.22%
Listed on the stock exchange
No
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
2.00%pa
31 days
Latvia (A)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 1,014 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Fully available daily. Investment amount and interest are paid out
within 31 days.
Interest rate changes
The interest rate is subject to change at any time. We will notify you
accordingly in advance.
Investment
Special Features
Deposits and withdrawals of partial amounts are not possible. Only the
entire investment amount can be canceled.
Deposit protection
Up to €100,000 per customer and per bank - payout in EUR
Currency
EUR
Minimum/maximum deposit
1.00 € - 100,000.00 €
Cost
No
Withholding tax
In Latvia, a withholding tax of 25.5% will be levied on interest
payments starting January 1, 2025. However, this tax can be reduced. To
reduce the withholding tax to 10%, a certificate of residency must be
submitted to the bank no later than eight weeks before the due date.
This certificate can then be fully credited against capital gains tax in
Germany.
Documents to be submitted
To open an account, all you need to do is place an electronic order in
online banking.
BluOr Bank AS is a Latvian bank headquartered in Riga. The bank was founded in
2001 by BBG AS Holding, owned by four Latvian entrepreneurs. Originally
established as a bank solely for companies engaged in international trade or as
a holding company, BluOr Bank has now also established itself as a credit
institution offering services to private clients.
About the country
Latvia, located in the center of the Baltic states, has been an independent
parliamentary democracy since 1991, a member of the European Union (EU) since
2004, and part of the Eurozone since 2014. The Latvian economy is characterized
by a high degree of business friendliness, which is also reflected in a large
number of successful start-ups, particularly in the capital, Riga. Latvian
economic growth is stable, and at 37.9% of GDP (as of 2016), public debt is very
low by European standards. Culturally, Latvia is characterized by strong
Northern European influences, Hanseatic architecture, and its famous musical
folklore.
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
20.85%
Average return on equity over the last three years
9.47%
Listed on the stock exchange
No
Parent company shares in the bank
100.00%
Country of deposit insurance
Latvia
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: A3, S&P: A, Fitch: A-, DBRS: A
* As of: December 10, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Latvian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
1.50%pa
31 days
No withholding tax is payable
No withholding tax
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 760 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
Founded in 1886, Banca di Cividale (CiviBank) is an independent cooperative bank.
In addition to its headquarters in Cividale del Friuli, a municipality in the
Italian province of Udine, the bank maintains more than 60 branches in
northeastern Italy, where it enjoys the status of a local benchmark bank. Banca
di Cividale's offerings are aimed at individuals, families, and businesses,
offering traditional banking products, financing solutions, and insurance.
Furthermore, the bank focuses on sustainable development and the promotion of
environmental projects. Furthermore, Banca di Cividale supports local clubs
through its specially launched crowdfunding portal, which aims to further
promote social, cultural, and sporting developments in the region.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Additional bank information
Year of foundation
1886
Place of foundation
Cividale del Friuli
Number of employees
532
Sales focus
Retail Banking, Corporate Banking, Deposit-Taking, Factoring,
Agriculture, Leasing, Corporate Lending, Consumer Lending, Insurance,
Payment Solutions, Real Estate Financing for Private Individuals,
Commercial Real Estate Financing
Countries in which the bank has branches
Italy
Total capital ratio
16.20%
Total capital ratio specified by the supervisory authority
8.00%
Latest return on equity
3.70%
Average return on equity over the last three years
-0.60%
Listed on the stock exchange
No
Parent company shares in the bank
79.10%
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 13, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
0.05%pa
366 days
No withholding tax is payable
No withholding tax
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 25 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
illimity SpA was founded in 2018 by Italian manager and politician Corrado
Passera. This high-tech banking group was established with the goal of
responding to specific market needs through an innovative and specialized
business model. The bank pursues a clear mission: to recognize and promote the
potential of individuals, families, and companies through a combination of
technological and human skills. Specifically, illimity SpA grants loans to
high-potential small and medium-sized enterprises (SMEs) and acquires distressed
corporate loans, which it manages through its proprietary platform (neprix).
Through illimity SGR, the group also develops and manages alternative investment
funds and manages UTP loans. illimity SpA has been listed on the Italian stock
exchange since March 2019.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Total capital ratio specified by the supervisory authority
8.00%
Listed on the stock exchange
Yes
Market capitalization (if listed)
277M EUR
Bank Rating
Moody's: Baa3, Fitch: BB-
Parent company shares in the bank
10.00%
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 18, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
0.05%pa
31 days
No withholding tax is payable
No withholding tax
Italy (BBB)
?
The Standard & Poor's Country Rating is an
assessment of a country's
creditworthiness. It is based on an analysis of institutional effectiveness,
governance,
economic structure, growth prospects, external finance, and fiscal and
monetary
flexibility.
in EUR
+ 25 €
?
Depending on the offer and the calculation method
used by the bank, the
calculated interest income may differ from the actual interest
income.
illimity SpA was founded in 2018 by Italian manager and politician Corrado
Passera. This high-tech banking group was established with the goal of
responding to specific market needs through an innovative and specialized
business model. The bank pursues a clear mission: to recognize and promote the
potential of individuals, families, and companies through a combination of
technological and human skills. Specifically, illimity SpA grants loans to
high-potential small and medium-sized enterprises (SMEs) and acquires distressed
corporate loans, which it manages through its proprietary platform (neprix).
Through illimity SGR, the group also develops and manages alternative investment
funds and manages UTP loans. illimity SpA has been listed on the Italian stock
exchange since March 2019.
About the country
Italy is a republic in Southern Europe, one of the world's largest economies, and
ranked among the most highly developed countries according to the Human
Development Index. Italy is a founding member of the EU, and the euro has been
legal tender since 2002. Germany is Italy's most important trading partner in
terms of both exports and imports.
Total capital ratio specified by the supervisory authority
8.00%
Listed on the stock exchange
Yes
Market capitalization (if listed)
277M EUR
Bank Rating
Moody's: Baa3, Fitch: BB-
Parent company shares in the bank
10.00%
Country of deposit insurance
Italy
Amount of statutory deposit protection
100,000.00 €
Country rating
Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 18, 2024 - The data is provided by our partner
FMH-Finanzberatung eK for private use. Raisin SE assumes no liability for the
timeliness, accuracy, or completeness of the information. FMH-Finanzberatung
specializes in information on interest rates and financial products and has been
collecting financial data in Germany since 1986 and preparing it for consumers,
banks, and editorial teams.
×
Security of your deposits
Deposits, including accrued interest, are legally protected by the Italian
Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank.
Within the European Union, the minimum requirements are harmonized across all
member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be
noted that this protection applies to a customer's entire deposits at a bank.
This is relevant if not only the deposits brokered through WeltSparen were
invested at a specific bank, but also if other deposits from this customer were
also invested at the respective bank.
Savings, Investing, and Interest – The Key Differences
Savings: Saving means not spending all of your income on
consumption. The remaining amount can be set aside when you spend less than
you earn.
Investing: Investing also involves setting money aside, but
instead of holding it in a bank account, it is actively invested in capital
markets—such as stocks, funds, or ETFs.
Interest: When the European Central Bank raises key
interest rates, savers can benefit from more attractive returns on their
savings deposits.
In 2025, the savings rate of private households in Germany was 11.5%.
This means that for every €100 earned, an average of €11.50 was saved.
Why Saving Is Beneficial
Saving plays a vital role in everyday life when it comes to achieving financial goals. These
goals can vary—from short-term purchases to long-term financial security. By regularly
setting money aside, you build a foundation for future investments and unexpected expenses.
Keeping a clear overview of your spending is essential for saving effectively. Conscious
saving enables both necessary investments and the financial stability to handle unforeseen
events.
Start Saving Early to Bridge the Pension Gap
The importance of starting to save early to offset the pension gap is well recognized. This
gap exists because statutory pensions often fall short of maintaining your standard of
living in retirement. The key questions are how much needs to be saved monthly for private
retirement and what total amount should ideally already be accumulated.
An analysis of projected pension gaps across different age groups shows how much individuals
between 40 and 60 years old should have already saved to maintain their lifestyle in
retirement. These calculations are based on the average income in each age group and a
retirement duration of just over 16 years.
According to Stepstone, 40-year-olds earn an average gross salary of €53,000 per
year. In 2024, this translates to a net monthly income of €2,824.
For a single person without children who has paid into the pension system
continuously since the age of 25, this results in an expected net pension of
€1,534 per month.
To maintain their standard of living in retirement, this person would already face a
shortfall of €1,290 per month in the first year of retirement. Over
the entire retirement period—and accounting for pension increases minus
inflation—the average monthly gap increases to around €1,345.
Anyone retiring at 67 and receiving a pension for just over 16 years would face a
total shortfall of approximately €264,000. To cover this gap,
long-term and consistent saving is essential by the age of 40.
By saving just 10% of their net monthly income from now on, an individual could
accumulate about €93,000 by retirement. However, to fully close the
pension gap and maintain their lifestyle in old age, €171,000
should already be saved by age 40.
Anyone hoping to enjoy a relaxed retirement toward the end of their career should
have already secured their savings. For 50-year-olds, the average gap between their
final salary and expected pension is €1,313 per month, adding up to
a pension gap of €258,000. If they save 10% of their net salary
from that point onward, they could still accumulate €60,000—meaning
they should already have €198,000 saved by the age of 50.
At age 60, saving 10% of net income until retirement at 67 would only result in total
savings of around €24,000. Given a pension gap of approximately
€254,000, 60-year-olds should therefore already have around
€221,000 saved to ensure a financially secure retirement.
The calculations are based on average values for the year 2024.
Actual salaries and pension entitlements may vary depending on factors such as
gender, place of residence, or tax class. The data is based on average gross incomes
for each age group and life expectancy figures for 60-year-olds in Germany, as
published by the Federal Statistical Office.
For the net income and net pension calculations, a single individual with Tax
Class 1 living in the former West German states was assumed. The
potential savings figures are based on a savings rate of 10% of net
income. The stated pension gap was calculated using the Raisin
Pension Cockpit, assuming a career start at age 25, retirement at age
67, and a pension duration of 16.35 years. In this model, average
pension increases of 1.5% remain below the European Central Bank’s
long-term inflation target of 2%. The data was collected on
June 25, 2024.
How Much Should Women Have Saved Already?
In Germany, women face a gender pay gap of 18% as of 2025. Additionally,
women have a statistically higher life expectancy than men. This means women typically have
to stretch a smaller retirement income over a longer period.
It is therefore especially important for women to engage early with the topic of wealth
building and saving. But how much should women ideally save or invest each month? And what
amount should already be saved today to fully close the pension gap?
We analyzed the potential pension gap across different age groups. Our assumptions are based
on a retirement age of 67 and a life expectancy of 83
years for women and 79 years for men.
Note: The calculations are based on average values for the year 2024. Actual salaries and
pension entitlements may vary depending on factors such as gender, place of residence,
or tax class. The potential savings are based on a savings rate of 10% of the average
net income.
While saving is low-risk and deposits are protected under the EU-wide deposit guarantee
scheme, investing involves higher risks—but also offers more attractive long-term returns.
Therefore, investing should not be seen as an alternative to saving, but as a complement. A
balanced approach that combines both can help effectively pursue financial goals.
A diversified portfolio can help strike a balance between security and growth. In addition to
setting aside an emergency fund in a savings account, part of the monthly net income could
be invested through a savings plan into low-cost, broadly diversified Exchange Traded Funds
(ETFs). Depending on market performance, this approach may generate more wealth than needed
to close the pension gap.
Example:
If 10% of an average monthly net income is consistently invested in a savings plan focused on
low-cost and diversified ETFs, it could accumulate significantly more than required to cover
the pension gap. A 40-year-old who invests 10% of their net salary monthly in such a plan
could reach around €220,000 by retirement at 67, assuming an average return
of 6%. To fully close the pension gap of €264,000, an additional
€44,000 would already need to be saved. Someone starting at age 30 with the
same savings rate could build up to €420,000 by retirement. Even after
capital gains taxes, the pension gap would be fully covered, paving the way for a
financially worry-free retirement.
Individuals looking to grow their wealth over the long term can consider various financial
instruments such as savings accounts, fixed-term deposits, or ETFs. Factors like interest
rate trends, inflation, and the desired balance between risk and return all play a role in
achieving personal savings goals.
Interest Rate Shift
In the summer of 2022, the European Central Bank raised key interest rates for the first time
in eleven years and set the negative deposit rate to zero—marking the beginning of the
so-called interest rate shift. Further increases followed. Despite some rate cuts in 2024,
savers can still benefit from attractive interest rates.
At WeltSparen, you can access competitive savings and fixed-term deposit offers from across
Europe. Interest rates abroad in the EU are often higher than those offered by domestic
German banks. Additionally, the EU-wide deposit guarantee scheme protects deposits of up to
€100,000 per person, per bank.
Everyday saving habits can support the achievement of long-term financial goals and enable
future investments. To reach these goals, saved money can be invested in a way that
maximizes returns. There are various options available to pursue financial objectives and
build a solid foundation for your financial future. These include savings products like
daily and fixed-term deposit accounts, as well as capital market investments such as ETFs.
With fixed-term deposits, savers lend their money to a bank for a pre-agreed period.
Typically, the longer the term, the higher the interest earned. However, during this
period, the funds cannot be withdrawn, which makes fixed-term accounts less
flexible. In return, savers benefit from interest rates that are often higher than
those offered by regular savings accounts. Additionally, these rates are fixed and
not subject to fluctuation, making fixed deposits a predictable investment.
Fixed-term deposits are also protected under the EU-wide deposit guarantee scheme.
Investing in ETFs often allows investors to achieve more attractive returns than with
traditional bank savings products. However, this comes with higher risk. At
WeltSparen, our wealth management service selects one of four diversified strategies
for you—each with an equity allocation of 30%, 50%, 70%, or 100%.
Risk notice: Every investment in the capital market involves both opportunities and
risks. The value of investments may rise or fall. In the worst-case scenario, a total
loss of the invested amount may occur. You can find detailed information under Risk
Notices.
Note: The content on this page is for general informational purposes only and does not
constitute tax advice. For detailed information or clarification of individual
tax-related questions, we recommend consulting a tax advisor or another person
authorized under § 2 StBerG.
Deutsch
Interest
Investment
Product
information sheet
