What Zinspilot does

Zinspilot is a German financial services company headquartered in Hamburg, founded in 2014 and operating as a private firm with 11–50 employees. The firm runs a digital platform (zinspilot.de) that aggregates European retail deposit, investment, and pension products, anchoring consumer savings offerings around Festgeld (fixed-term deposits), Tagesgeld (call money), and Flexgeld, with adjacent ETF-based wealth management and tax-advantaged retirement vehicles. Its product roadmap over 2026–2027 explicitly extends into state-subsidized long-horizon products, and the platform operates within the EU harmonized deposit protection framework (€100,000 per depositor per bank), with TÜV certification for data security and quality displayed in its 2026 disclosure materials.

The company's documented strategy is product-driven expansion across customer life stages. In 2026 Zinspilot launched a Kinderdepot, a children's investment depot built on an ETF portfolio targeting up to 7.6% p.a. and offering up to €13,348 in annual tax-free gains per child. The same year, the firm activated a marketing partnership with UCI WorldTour cycling team Picnic PostNL as official partner for the 2026 season, marking a transition to brand-led, top-of-funnel marketing beyond content and SEO. In January 2027 the firm is set to launch the Altersvorsorgedepot, a state-subsidized pension depot offering up to €540 of annual state subsidy plus up to €497 of potential annual tax refund, with options to transfer existing Riester contracts.

Zinspilot's revenue mechanics are not explicitly disclosed in the source material, but pricing statements indicate free account opening and free account management for consumers, implying commission-based monetization from partner banks rather than subscription revenue. There is no disclosed revenue figure, no funding events post-2014, and no ownership structure in the data. This absence of financial visibility, combined with the 11–50 employee count and the multi-product platform scope, frames Zinspilot as a small, fee-generating retail aggregator whose investment profile cannot be triangulated with high precision from the available source data.

Name

Zinspilot

Legal name

Raisin SE

Website

https://zinspilot.de

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Zinspilot is a Hamburg-based German financial services company founded in 2014 that operates a digital platform offering European retail customers deposit, ETF-based investment, and tax-advantaged pension products including a Kinderdepot and an upcoming Altersvorsorgedepot.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Partner bank commissions: Raisin earns commissions from partner banks for bringing customers to their deposit products. The platform aggregates deposits from across Europe for partner banks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Zinspilot is a German deposit brokerage platform that aggregates savings and investment products from multiple European partner banks and offers them to individual retail customers through a single unified account. The platform provides access to fixed-term deposits (Festgeld), call money deposits (Tagesgeld), flexible deposit products, automated ETF-based wealth management, and tax-advantaged pension solutions, with free account opening and management for end customers.

Product overview

Raisin operates as a unified platform offering savings, investment, and pension products. The core platform provides access to 650 fixed-term (Festgeld) and call money (Tagesgeld) deposit offers from European partner banks through a single account. Investment products include ETF-based wealth management (Vermögensverwaltung) targeting 7.4% p.a. returns, an interest portfolio (Zinsportfolio) for money market optimization, and the Kinderdepot for children's long-term investing. Pension offerings comprise ETF Rürup for self-employed tax advantages and the upcoming Altersvorsorgedepot (launching January 2027) with state subsidies. The platform differentiates through the Raisin App for mobile access, partner bank network across Europe with varying credit ratings and tax treatments, and products spanning from short-term flexible savings to long-term retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Festgeld (Fixed-term Deposit) Time deposit product with fixed maturity and fixed interest rate allowing users to compare and invest in fixed-term deposits from European partner banks, with rates up to 3.46% p.a.
• Tagesgeld (Call Money/Day Deposit) Flexible deposit without fixed maturity and with variable interest rate, offering daily accessibility with rates up to 2.25% p.a., starting from €1.00 with free savings plans.
• Flexgeld (Flexible Fixed-term Deposit) Fixed-interest investment with defined maturity and early availability option, combining planability of fixed deposits with flexibility features.
• Vermögensverwaltung (Wealth Management) Automated ETF-based investment service investing in globally diversified portfolios with approximately 8,000 companies worldwide, targeting 7.4% p.a. returns.
• Zinsportfolio (Interest Portfolio) Flexible money market savings with interest optimization, daily availability at 2.29% p.a. running interest after costs.
• ETF Rürup Rürup pension product with tax advantages allowing up to 100% deduction of contributions as retirement provisions for self-employed and freelance professionals.
• Kinderdepot (Children's Depot) Long-term investment depot for children enabling early savings toward goals like first car or university studies, with up to 7.6% p.a. target return and automatic portfolio monitoring.
• Altersvorsorgedepot (Pension Depot) State-subsidized pension depot launching January 2027, offering up to €540 annual state subsidy, children's allowance, beginner bonus, and up to €497 annual tax refund.
• Festgeld mit Nachhaltigkeitsfokus (Sustainable Fixed-term Deposit) Sustainable fixed-term deposit with targeted sustainability criteria for environmentally conscious investors.
• Mobile App Mobile application enabling users to open and manage deposit accounts and investments on smartphones and tablets via iOS and Android.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Team Picnic PostNLminorGTM or Marketing Partner · 1 January 2026Raisin is the official partner of UCI WorldTour cycling team Picnic PostNL starting from the 2026 season. The partnership demonstrates that discipline, endurance, and foresight lead to progress - on the bike and in finances.

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• Scalable Capital: Munich-based broker and robo-advisor serving German and European retail investors with self-directed and managed portfolios. Overlaps with Zinspilot on investment product distribution.
• Moneyfarm: European digital wealth manager and investment platform with a focus on retail savers seeking diversified portfolios. Comparable to Zinspilot's wealth management ambitions.
• Quirion: German digital wealth manager offering robo-advisory portfolios to retail savers. Directly comparable to Zinspilot's automated investment management proposition.
• Wealthsimple: Canadian digital investment platform offering managed portfolios, self-directed investing, and savings products to retail customers. Conceptually aligned with Zinspilot's automated, multi-product retail platform.
• Trade Republic: Berlin-based mobile brokerage and savings platform targeting European retail customers with low-cost investment products. Competes for the same German retail-saver audience as Zinspilot.
• Savebetter: US-based deposit marketplace that aggregates high-yield savings and CD products from partner banks. Closest US analog to Zinspilot's pan-bank deposit aggregation model.
• Raisin: Berlin-based pan-European deposit and investment marketplace aggregating 650+ products from partner banks. Closest direct competitor to Zinspilot in business model, customer base (retail savers), and target geographies.

Broad incumbents

• Check24: Germany's largest price-comparison portal, including a financial products vertical that surfaces savings and investment offers. Competes indirectly with Zinspilot for German retail savers searching online.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform serving retail savers with funds, shares, and savings products. Comparable in customer segment and product breadth to a scaled Zinspilot.
• Verivox: German price-comparison platform with a financial products vertical. Adjacent competitor that captures retail-saver intent that could otherwise flow to Zinspilot.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/zinspilot
• LinkedInlinkedin.com/company/zinspilot

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zinspilot