85%Would buy again
Honestly this is the account I should have opened years ago. Signing up took me about twenty minutes including finding my ID, and the money from my bank came through the next working day. I like that I can check my balance and interest in the app whenever I want, which is brilliant for someone who usually forgets about savings until the end of the year.
Read moreAccount got stuck in identity checks for almost a week before I could fund it, which was annoying when I was trying to move money before the end of the month. I uploaded my passport and a utility bill and then heard nothing until I messaged the chat. Once it was sorted the money landed fine and the app works well. Just be ready to wait if you're in a hurry.
Read moreI'm used to dealing with my building society in person, so this was a different way of doing things for me. Compared with my old account the online setup took a little longer to understand, and I did have to ring them once to confirm a transfer. Staff were polite when I did get through, though the wait was a bit long. The interest is fair, and the money arrived when they said it would.
Read moreAccount got stuck in identity checks for almost a week before I could fund it, which was annoying when I was trying to move money before the end of the month. I uploaded my passport and a utility bill and then heard nothing until I messaged the chat. Once it was sorted the money landed fine and the app works well. Just be ready to wait if you're in a hurry.
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Raisin is a financial platform that lets savers in the United Kingdom access deposit accounts and savings products from a range of banks across Europe through a single online account. The company describes its model as a deposit marketplace, where customers can compare rates and open accounts with partner institutions without having to register separately with each bank. The service is delivered entirely online through a web and mobile experience, with savings held with the partner banks and protected under the relevant national deposit guarantee schemes.
Raisin's customers are people looking to put their money to work in fixed term and instant access deposits and who prefer to manage their savings in one place. The company is known for its focus on savings and investment products rather than current accounts or lending, and it sets out its terms, eligibility and the protections that apply to each partner bank in its published documentation.
Credit & loans | Finance | Savings | Investing | Money transfer
