fairr.de
fairr.de (Raisin SE) is a Berlin-based fintech operating a pan-European digital savings and investment aggregation platform, serving individual retail investors across 12 countries with access to 650+ deposit and investment products from 75+ partner banks via a freemium, commission-based model.
- Company typePrivate
- Founded2013
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2C
- OfferingServices
What fairr.de does
fairr.de is a Berlin-based financial services platform operating within Raisin SE, a privately held European stock company (Societas Europaea) headquartered in Berlin, Germany. Originally positioned as a leading start-up in the field of pension schemes (Rürup/ETF Rürup), the platform has evolved into a comprehensive pan-European savings, investment, and retirement aggregator. It serves individual retail investors across 12 countries (Germany, Finland, France, Ireland, Italy, Netherlands, Austria, Poland, Spain, United Kingdom, and the United States) with a single-account gateway to 650+ deposit and investment products sourced from 75+ European partner banks.
The platform's core technology is a multi-bank aggregation system enabling users to access and manage deposit accounts, fixed-term investments, flexible savings, ETF-based automated wealth management, tax-advantaged pension products, and a children's depot through a unified web dashboard and mobile application (Raisin App). Proprietary components include an automated portfolio monitoring and rebalancing engine for the robo-advisor product (Vermögensverwaltung) targeting up to 7.4% p.a. returns, a Zinsportfolio (interest portfolio) yielding 2.29% p.a., and TÜV-certified data protection infrastructure. The product suite spans Festgeld, Tagesgeld, Flexgeld, sustainable savings, ETF wealth management, ETF Rürup, Kinderdepot, and the upcoming Altersvorsorgedepot (launching January 2027 with state subsidies).
Commercially, fairr.de/Raisin operates on a B2C, direct-to-consumer self-serve model with freemium pricing — account opening and management are free for end customers. Revenue is generated exclusively through affiliate/referral commissions paid by partner banks when customers place deposits or investments through the platform. The go-to-market relies on SEO-driven content marketing, financial education resources, email/newsletter engagement, customer referral programs, and brand sponsorships (notably the official partnership with UCI WorldTour cycling team Picnic PostNL since 2026), supplemented by distribution partnerships (Vertriebspartnerschaften) for B2B channel sales. Customer trust signals include a 4.4/5 Trustpilot rating from over 12,271 reviews and multiple industry recognitions (Handelsblatt, ntv, Biallo #1 Robo-Advisor Performance, TÜV Saarland certification).
fairr.de firmographics
Firmographics- Name
- fairr.de
- Legal name
- Raisin SE
- Website
- https://fairr.de
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- fairr.de (Raisin SE) is a Berlin-based fintech operating a pan-European digital savings and investment aggregation platform, serving individual retail investors across 12 countries with access to 650+ deposit and investment products from 75+ partner banks via a freemium, commission-based model.
- Ownership category
- akta.pro rank
fairr.de industry classification
Industry- Product category
- Retail Savings and Investment Platform
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF)
Keywords
Where fairr.de is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
fairr.de business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Partner bank commissions: Raisin earns commissions from partner banks when customers place deposits through the platform. The platform acts as an aggregator bringing customers to European banks seeking deposits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free account with access to 650+ savings and investment products |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
fairr.de product offering
Product offeringCore offering
fairr.de (Raisin SE) operates a pan-European digital savings, investment, and pension aggregation platform that gives individual retail investors a single account to access over 650 deposit and investment products from 75+ partner banks. Offerings include fixed-term deposits (Festgeld), call money (Tagesgeld), flexible fixed-term deposits (Flexgeld), sustainable savings, automated ETF wealth management, a money market interest portfolio (Zinsportfolio), tax-advantaged pension products (ETF Rürup, Kinderdepot), and introductory rate products, delivered via web and the Raisin mobile app.
Product overview
Raisin operates as a unified platform offering savings, investment, and pension products through a single account with access to over 650 deposit and investment offerings from European partner banks. The core products include fixed-term deposits (Festgeld), call money accounts (Tagesgeld), flexible fixed-term deposits (Flexgeld), and sustainable savings options. Investment offerings encompass automated ETF wealth management (Vermögensverwaltung), an interest portfolio for money market savings, and tax-advantaged pension products including ETF Rürup and the upcoming Altersvorsorgedepot. The platform also offers a children's depot (Kinderdepot) for early long-term investing. All products are accessible via the Raisin App, with offerings available across multiple European countries including Germany, Finland, France, Ireland, Italy, Netherlands, Austria, Poland, Spain, United Kingdom, and the United States.
Differentiator
Problem solved
Functional benefit
Brands
- Raisin Bank: A subsidiary bank operated by Raisin for banking services
- Altersvorsorgedepot
- Kinderdepot
- ETF Rürup
- Raisin StartZins
- Weltmeister-Sparen
Products and services
- Festgeld (Fixed-term Deposit) Time deposits with fixed maturity and fixed interest rate offered through European partner banks on the Raisin platform, with rates up to 3.45% p.a. (e.g., ARKTIKA 10-year Festgeld at 3.45% p.a., Hamburg Direct Bank 2-year at 2.80% p.a., Morgan Stanley 1-year at 2.75% p.a.). Targeted at retail investors seeking predictable returns and deposit-insured savings across European jurisdictions.
- Tagesgeld (Call Money / Demand Deposit) Flexible demand deposit accounts with variable interest rates and no fixed maturity, available from European partner banks through Raisin, with rates up to 2.25% p.a. (e.g., Banca Progetto 2.25% p.a.), starting from EUR 1.00 and including free flexible savings plans. Aimed at retail savers seeking liquidity and competitive daily interest.
- Flexgeld (Flexible Fixed-term Deposit) Planned fixed-interest investment with a defined maturity and option for early availability, combining stability of fixed-term deposits with flexibility. Examples include TBI Bank 1-year Flexgeld at 3.10% p.a., Industra Bank 1-year at 3.08% p.a., and Urbo Bankas 1-year at 3.07% p.a. Targeted at retail savers who want a defined term but want optional early access.
- Sparen mit Nachhaltigkeitsfokus (Sustainable Savings) Deposit products offered via the Raisin platform that meet targeted sustainability criteria, allowing savers to align their investments with environmental and social values. Targeted at retail customers who want their savings to reflect sustainability preferences.
- Vermögensverwaltung mit ETFs (ETF Wealth Management) Automated investment in globally diversified ETF portfolios developed by experts, with automatic monitoring and rebalancing and target returns up to 7.4% p.a. across approximately 8,000 companies worldwide. Targeted at retail investors seeking a hands-off, diversified investment solution.
- Zinsportfolio (Interest Portfolio) Flexible money market savings product with interest optimization, available daily at 2.29% p.a. running interest after costs. Targeted at retail savers seeking liquid money-market-like exposure through a single Raisin account.
- ETF Rürup (Rürup Pension ETF) Tax-advantaged pension product allowing customers to deduct up to 100% as provision expenses for retirement planning, invested via ETFs. Targeted at German retail savers, including self-employed individuals, seeking tax-efficient retirement savings.
- Kinderdepot (Children's Depot) Long-term investment depot for children, targeting returns up to 7.6% p.a. in globally diversified ETF portfolios, with up to EUR 13,348 in tax-free annual gains and automated monitoring and portfolio maintenance. Targeted at parents/guardians investing on behalf of minors for milestones such as a driver's license, first car, or university.
- Raisin StartZins Introductory savings rate product offering competitive starting interest rates for new Raisin customers. Targeted at new retail customers as an onboarding incentive.
Quantifiable outcome
- TÜV-certified data protection and security (2026)
- +2 more outcomes
Companies that use fairr.de
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
fairr.de technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
fairr.de partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered flagship, core and supporting.
- Team Picnic PostNLflagshipRaisin is the official partner (offizieller Partner) of UCI WorldTour Team Picnic PostNL since the 2026 cycling season. The partnership emphasizes shared values of discipline, endurance, and long-term thinking - connecting cycling excellence with financial progress.
- Banca ProgettocoreItalian bank offering Tagesgeld (demand deposit) products through the Raisin platform with 2.25% p.a. interest rate, Italian jurisdiction (BBB+ rating), no withholding tax for German investors.
- Morgan StanleycoreGlobal investment bank offering Festgeld (term deposit) products through the Raisin platform with 2.75% p.a. for 1-year terms, German jurisdiction (AAA rating), simplified tax withholding.
- Hamburg Direct BankcoreGerman direct bank offering Festgeld products with 2.80% p.a. for 2-year terms, AAA German rating, simplified tax withholding.
- ARKTIKA Capital ABcoreSwedish bank offering 10-year Festgeld at 3.45% p.a., Swedish AAA rating, no withholding tax.
- TBI BanksupportingBulgarian bank (BBB rating) offering Flexgeld products at 3.10% p.a. for 1-year terms.
- Industra BanksupportingLatvian bank (A rating) offering Flexgeld at 3.08% p.a.
- Urbo BankassupportingLithuanian bank (A rating) offering Flexgeld at 3.07% p.a.
- Haitong BanksupportingPortuguese bank (A rating) offering Flexgeld at 3.05% p.a. via Spanish branch.
- Signet Bank ASsupportingLatvian bank (A rating) offering Flexgeld at 3.05% p.a.
- RATO (Rato Bank)supportingLithuanian bank (A rating) offering Flexgeld at 3.00% p.a.
- SME BanksupportingLithuanian bank (A rating) offering Flexgeld at 2.95% p.a.
- Finora Bank UABsupportingLithuanian bank offering Flexgeld at 2.90% p.a.
- Fjord BanksupportingLithuanian bank offering Flexgeld at 2.90% p.a.
- Artea ABsupportingSwedish/Lithuanian entity offering Flexgeld at 2.85% p.a.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
fairr.de competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights6 records
Customer concentration
fairr.de social profiles
Digital presencefairr.de compliance and trust
Trust signalCompliance1 record
fairr.de financial estimates
Financial estimateRevenue estimate
Valuation estimate
fairr.de leadership team
Management profileNumber of profiles
Profiles2 records
fairr.de subsidiaries and ownership
Company hierarchySubsidiaries1 record
fairr.de funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
fairr.de 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 fairr.de
What does fairr.de do?
fairr.de (Raisin SE) operates a pan-European digital savings, investment, and pension aggregation platform that gives individual retail investors a single account to access over 650 deposit and investment products from 75+ partner banks. Offerings include fixed-term deposits (Festgeld), call money (Tagesgeld), flexible fixed-term deposits (Flexgeld), sustainable savings, automated ETF wealth management, a money market interest portfolio (Zinsportfolio), tax-advantaged pension products (ETF Rürup, Kinderdepot), and introductory rate products, delivered via web and the Raisin mobile app.
Is fairr.de a public or private company?
fairr.de is a private company. It is classified as venture growth investor backed and is currently operating.
When was fairr.de founded?
fairr.de was founded in 2013. It employs 11 to 50 people.
Where is fairr.de based?
fairr.de is headquartered in Berlin, Germany, in the Europe region.
How does fairr.de make money?
One revenue line is on record: partner bank commissions.
Does fairr.de have an API?
No public API is recorded for fairr.de.
What industry is fairr.de in?
fairr.de's product category is Retail Savings and Investment Platform. Its primary akta.pro industry code is FSAGAKAF, Multi-Currency Accounts, Wallets & FX Management (Consumer/SME). Its NAICS code is 525 and its SIC code is 6199.