WeltSparen
WeltSparen, operating as Raisin SE, is a Berlin-based digital marketplace that aggregates 650+ savings, investment, and retirement products from European partner banks into a single account for retail savers and investors across 12 countries.
- Company typePrivate
- Founded2012
- HeadquartersBerlin, Germany
- Headcount51–100
- GTM typeB2C
- OfferingServices
What WeltSparen does
WeltSparen, now operating under the Raisin SE brand, is a Berlin-headquartered European fintech that runs a digital marketplace aggregating savings, investment, and retirement products from partner banks across Europe. The platform gives retail customers a single account through which they can access 650+ offers including term deposits (Festgeld), demand deposits (Tagesgeld), flexible savings (Flexgeld), automated ETF-based wealth management, and German state-subsidized retirement wrappers such as ETF Rürup, Rürup-Rente, and Riester-Rente. Recent additions include the Kinderdepot (children's investment depot) launched in 2026 and the Altersvorsorgedepot scheduled for January 2027, indicating an extension from pure savings aggregation into full lifecycle wealth products. Operationally the company runs a self-serve web and mobile platform, holds TÜV-certified security and quality accreditation, and is rated 4.4/5 on Trustpilot across 12,219 reviews.
The business model is a free, freemium platform for end customers — account opening and management carry no fees — monetized through commissions and referral fees paid by European partner banks whose products are distributed via the marketplace. Partner banks include institutions such as Banca Progetto (Italy), Morgan Stanley (Germany), AKA Bank (Germany), and ARKTIKA Capital (Sweden). The company serves a horizontal segment of retail savers and investors, primarily in Germany and other European markets, with operations in 12 countries and additional US availability. The product surface is anchored by the regulated deposit-protection layer (up to €100,000 per person per bank) and increasingly by automated portfolio management capabilities provided through the Raisin wealth management line.
WeltSparen was acquired by Raisin in 2015 and has since been integrated into the broader Raisin group, which also includes the Raisin Bank operating subsidiary. The company is privately held, was founded in 2012, employs 51–100 people, and is led by co-founders Tamaz Georgadze (CEO), Michael Stephan (COO), and Frank Freund (CFO). No revenue, funding total beyond the disclosed 2014 Index Ventures round, or institutional ownership details are provided in the source data, so scale claims are based on platform breadth, geographic reach, and customer review volume rather than disclosed financials.
WeltSparen firmographics
Firmographics- Name
- WeltSparen
- Legal name
- Raisin SE
- Website
- https://weltsparen.de
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- WeltSparen, operating as Raisin SE, is a Berlin-based digital marketplace that aggregates 650+ savings, investment, and retirement products from European partner banks into a single account for retail savers and investors across 12 countries.
- Ownership category
- akta.pro rank
WeltSparen industry classification
Industry- Product category
- Retail Banking & Savings Platform
- NAICS
- Miscellaneous Intermediation (523910)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE)
Keywords
Where WeltSparen is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
WeltSparen business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Partner bank commissions: Revenue generated from commissions and referral fees paid by European partner banks whose products are offered through the Raisin platform
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free platform access with no account fees |
| Unit Pricing | Pay-as-you-go | Fixed-term deposits offering up to 3.46% p.a. |
| Unit Pricing | Pay-as-you-go | Demand deposits offering up to 2.25% p.a. |
| Unit Pricing | Pay-as-you-go | Wealth management with target return of 7.4% p.a. |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
WeltSparen product offering
Product offeringCore offering
WeltSparen (operating as Raisin) is a pan-European digital savings and investment platform that aggregates 650+ deposit and investment offers from European partner banks through a single account. Customers can open and manage term deposits (Festgeld), demand deposits (Tagesgeld), flexible savings (Flexgeld), automated ETF wealth management, and retirement products (Rürup, Riester, Kinderdepot) via the website and mobile app. Account opening and management are free for customers; revenue is generated from commissions paid by partner banks.
Product overview
Raisin (formerly WeltSparen) operates as a unified financial platform offering savings, investment, and retirement products. The core offering includes term deposits (Festgeld), demand deposits (Tagesgeld), and flexible savings (Flexgeld) from European partner banks, providing access to 650+ deposit offers. The platform extends into wealth management with automated ETF portfolios (Vermögensverwaltung), money market savings (Zinsportfolio), and specialized retirement products including ETF Rürup, Rürup-Rente, and Riester-Rente. Newer additions include the Kinderdepot for children's investments and the upcoming Altersvorsorgedepot launching in 2027. The platform also offers a mobile app for managing accounts and investments.
Differentiator
Problem solved
Functional benefit
Brands
- Raisin Bank: Banking services offered through the Raisin platform
- Kinderdepot
- Altersvorsorgedepot
Products and services
- Festgeld (Fixed-Term Deposit) Term deposit product offering fixed-term investments with guaranteed interest rates (up to 3.46% p.a.) from European partner banks, allowing customers to earn predictable returns over specified periods.
- Tagesgeld (Demand Deposit)
- Flexgeld (Flexible Fixed-Rate Savings)
- Sparen mit Nachhaltigkeitsfokus (Sustainable Savings)
- Vermögensverwaltung mit ETFs (ETF Wealth Management)
- Zinsportfolio (Interest Portfolio / Money Market)
- ETF Rürup
- Kinderdepot (Children's Investment Depot) Children's investment depot enabling early long-term investing for children with target returns up to 7.6% p.a. and tax-free gains up to EUR 13,348 per year.
- Altersvorsorgedepot (Retirement Depot) State-supported retirement depot launching January 2027, offering up to EUR 540 annual state support, tax benefits up to EUR 497 annually, and transfers from existing Riester contracts.
- Rürup-Rente
- Riester-Rente
- Sparplan (Savings Plan)
- Raisin StartZins
Quantifiable outcome
- Target returns of up to 7.4% p.a. for wealth management
- +2 more outcomes
Companies that use WeltSparen
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
WeltSparen technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
WeltSparen partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Team Picnic PostNLcoreRaisin is the official partner of UCI WorldTour cycling team Team Picnic PostNL since the 2026 season. The partnership demonstrates shared values of discipline, endurance, and long-term thinking in both cycling and personal finance.
- European partner bankscoreRaisin partners with selected banks across Europe to offer competitive savings products. Partner banks include Banca Progetto (Italy), Morgan Stanley (Germany), AKA Bank (Germany), ARKTIKA Capital (Sweden), and many others offering term deposits, demand deposits, and other savings products.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
WeltSparen competitors and assessment
Company assessmentDirect peers
- ZINSPILOT: ZINSPILOT is a Hamburg-based deposit aggregator that connects retail savers with term deposit and demand deposit offers from European partner banks. It is the closest direct competitor to Raisin in the German multi-bank savings marketplace model, offering a near-identical product-led value proposition.
- Moneyfarm: Moneyfarm is a UK- and Italy-headquartered digital wealth manager offering automated ETF portfolios and pension products to European retail investors. It directly competes with Raisin's Vermögensverwaltung and ETF Rürup offerings on the robo-advisory side of the platform.
- Scalable Capital: Scalable Capital is a Munich-based European broker with automated ETF wealth management (Scalable Wealth) alongside its trading platform. It overlaps directly with Raisin's robo-advisor and savings products for German and pan-European retail customers.
Broad incumbents
- Trade Republic: Trade Republic is a Berlin-headquartered European broker offering savings products (Tagesgeld, Festgeld) alongside commission-free trading and ETF savings plans. It competes with Raisin's deposit and wealth offerings for the same German and European retail audience with broader product scope.
- N26: N26 is a Berlin-based European neobank offering deposit accounts, savings features, and investment products across multiple EU markets. As a major German-headquartered digital bank, it competes for the same retail savings customers and increasingly overlaps with Raisin's deposit value proposition.
- Revolut: Revolut is a London-headquartered global neobank offering multi-currency accounts, savings vaults, and investment products across 30+ countries. It competes broadly with Raisin for European retail savings customers and is progressively building deposit-aggregation and wealth capabilities.
- bunq: bunq is an Amsterdam-based European neobank offering savings accounts and interest-bearing deposits across multiple EU countries. It targets the same European retail savings segment as Raisin and represents a direct neobank alternative to multi-bank deposit aggregation.
Emerging players
- Bitpanda: Bitpanda is a Vienna-headquartered European investment platform offering savings plans, ETF investing, and wealth products. It targets the same European retail audience as Raisin with an overlapping wealth-and-savings proposition, though focused more on investing than deposit aggregation.
Regional players
- Wealthsimple: Wealthsimple is a Toronto-based digital wealth manager offering automated ETF portfolios, savings, and retirement products to Canadian retail investors. It is structurally comparable to Raisin's wealth and retirement offering but operates in a different geography (Canada vs. Europe).
- StashAway: StashAway is a Singapore-headquartered digital wealth manager offering automated ETF portfolios across Asia (Singapore, Hong Kong, Malaysia, UAE). It mirrors Raisin's ETF-based wealth-management model but serves an Asia-Pacific rather than European customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
WeltSparen social profiles
Digital presenceWeltSparen compliance and trust
Trust signalCompliance2 records
WeltSparen financial estimates
Financial estimateRevenue estimate
Valuation estimate
WeltSparen leadership team
Management profileNumber of profiles
Profiles3 records
WeltSparen subsidiaries and ownership
Company hierarchySubsidiaries1 record
WeltSparen funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WeltSparen M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WeltSparen
What does WeltSparen do?
WeltSparen (operating as Raisin) is a pan-European digital savings and investment platform that aggregates 650+ deposit and investment offers from European partner banks through a single account. Customers can open and manage term deposits (Festgeld), demand deposits (Tagesgeld), flexible savings (Flexgeld), automated ETF wealth management, and retirement products (Rürup, Riester, Kinderdepot) via the website and mobile app. Account opening and management are free for customers; revenue is generated from commissions paid by partner banks.
Is WeltSparen a public or private company?
WeltSparen is a private company. It is classified as venture growth investor backed and is currently operating.
When was WeltSparen founded?
WeltSparen was founded in 2012. It employs 51 to 100 people.
Where is WeltSparen based?
WeltSparen is headquartered in Berlin, Germany, in the Europe region.
How does WeltSparen make money?
One revenue line is on record: partner bank commissions.
Who are WeltSparen's main competitors?
Direct peers on record are ZINSPILOT, Moneyfarm and Scalable Capital. Broad incumbents are Trade Republic, N26, Revolut and bunq. Bitpanda is listed as an emerging player. Regional players are Wealthsimple and StashAway.
Does WeltSparen have an API?
No public API is recorded for WeltSparen.
What industry is WeltSparen in?
WeltSparen's product category is Retail Banking & Savings Platform. Its primary akta.pro industry code is FSAGAEAE, Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools. Its NAICS code is 523910 and its SIC code is 6199.