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Raisin

Online marketplace linking savers to banks

Overview

Raisin runs a cross-border savings and investment marketplace that connects retail savers with banks across Europe and the United States. Savers can access higher interest rates on products such as fixed-term deposits, high-yield savings accounts, and money market accounts (with ETFs/pension products available in Germany). The platform is free for consumers and earns commissions from partner banks for each deposit; Raisin Bank provides the licensed banking infrastructure (KYC, account management, payments) to enable Deposits-as-a-Service for partners, with SaveBetter used in the US. Raisin aims to give people easy access to competitive savings and investment options across borders while helping banks fund deposits cost-effectively and allowing partners to embed the marketplace into their services.

Significant Headcount Growth

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About Raisin

Simplify's Rating
Why Raisin is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsEnterprise SoftwareFintechFinancial Services

Company Size

501-1,000

Company Stage

Late Stage VC

Total Funding

$302.6M

Headquarters

Berlin, Germany

Founded

2012

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Simplify's take

What believers are saying

  • Raisin launched Italy on March 4, 2026, entering Europe's third-largest deposit market.
  • Morgan Stanley joined Raisin UK on October 19, 2026, validating the platform for elite banks.
  • Raisin hired Jules di Mambro on September 21, 2026, adding expansion expertise and London presence.

What critics are saying

  • Raisin's scam warning on November 9, 2026, signals brand spoofing already confusing Irish customers.
  • Morgan Stanley can later bypass Raisin, directly capturing deposits and compressing marketplace commissions.
  • Deposit marketplaces have thin switching costs; one major bank exit creates existential dependence.

What makes Raisin unique

  • Raisin sits between banks and savers across eleven markets through one regulated interface.
  • Raisin Bank handles licensing, KYC, and payments, reducing integration friction for partner banks.
  • Morgan Stanley joined Raisin UK on October 19, 2026, broadening branded deposit inventory.

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Funding

Total Funding

$302.6M

Above

Industry Average

Funded Over

19 Rounds

Notable Investors:
Late VC funding comparison data is currently unavailable. We're working to provide this information soon!
Late VC Funding Comparison Coming Soon

Benefits

  • Remote Work Options
  • Flexible Work Hours
  • Paid Vacation
  • Professional Development Budget

Growth & Insights and Company News

6 month growth

0%

1 year growth

6%

2 year growth

6%
MoneyAge
Nov 6th, 2026
Hinckley & Rugby appoints Raisin UK chief as new CEO.

Hinckley & Rugby appoints Raisin UK chief as new CEO. By Goran Nastic 06/11/2026 Hinckley & Rugby Building Society has appointed Steven Amos as its new chief executive, effective from 1 November, subject to the usual regulatory approval. Amos joins from savings fintech Raisin UK, where he spent seven years and served as CEO for the last four, overseeing significant growth in assets under management and expanding partnerships with banks and building societies. He brings more than 20 years of financial services experience, having previously held senior roles at Together Money, Aldermore Bank, Islamic Bank of Britain and HBOS. The appointment brings a fintech background into a traditional mutual lender. At Raisin, Amos oversaw growth in the savings marketplace business and partnerships with banks and building societies. Amos said: "Building societies have an important opportunity to respond to changing customer expectations and the growth of digital competitors, while staying true to what makes them special. I'm looking forward to working with the team and building on what they've achieved." He succeeds Barry Carter, who will leave in December to become CEO of StreamBank after two and a half years leading Hinckley & Rugby. During Carter's tenure, the mutual, a regional building society founded more than 160 years ago, delivered its strongest profit performance since 2008 and reached record savings and mortgage balances by September 2026, with total assets of £900m. His time in charge also saw a rebrand, digital transformation, changes to the Society's operational structure and investment in its risk capabilities and workforce. Helen McEwan, chair of the board, added: "Steven's experience, values and leadership approach align strongly with who we are as a mutual and what we want to achieve. We believe he is the right person to lead the Society through its next chapter, and I'm confident he'll help us build on our strengths, deliver our strategy and continue doing the right thing for our members and communities."

The Edge Media Group
Oct 19th, 2026
Morgan Stanley enters UK savings market with Raisin partnership

Morgan Stanley enters UK savings market with Raisin partnership. 19 Oct 2026, 04:12 pm (Oct 19): Morgan Stanley is partnering with fintech platform Raisin UK to roll out savings accounts to individuals, following similar moves in Germany and the Netherlands. Starting this week, the Wall Street bank is offering fixed-term deposits at interest rates as high as 5.1%, with a minimum deposit of £1,000 (US$1,334), the company said in a statement Monday. Over time, Morgan Stanley will look at other potential partners and products, according to people familiar with the matter. The move is part of the bank's deposit-gathering strategy and doesn't reflect a wider push into UK consumer or retail banking, said the people, who asked not to be named as the details aren't public. "The UK is one of the world's largest and most established savings markets," Christopher Beatty, Morgan Stanley's chief operating officer for Europe, the Middle East and Africa, said in a statement. In the US, Morgan Stanley offers savings accounts to clients with brokerage accounts. In September, the bank entered the Netherlands via Raisin, following a similar partnership in Germany in 2025. The UK savings market has been dominated by high street lenders including Lloyds Banking Group Plc and Nationwide Building Society, though Wall Street firms have entered the market in recent years. JPMorgan Chase & Co opened Chase in the UK in 2021 before expanding into savings products, then moving into Germany earlier this year. Goldman Sachs Group Inc's retail bank Marcus started UK operations in 2018. Goldman has also begun hiring staff to assess the viability of launching Marcus in Ireland. Morgan Stanley's new offering compares to similar accounts at rivals such as Marcus, which offers a one-year fixed term account at 4.75%. Uploaded by Liza Shireen Koshy

BusinessCloud
Sep 22nd, 2026
Raisin UK names industry heavyweight as new CEO.

Raisin UK names industry heavyweight as new CEO. Former Goldman Sachs & OakNorth exec Jules di Mambro to succeed Steven Amos at Manchester FinTech - and establish London office Manchester FinTech Raisin UK has appointed Jules di Mambro as CEO following regulatory approval from the Financial Conduct Authority. The London-based executive succeeds Steven Amos, who leaves the firm after seven years including the last four as CEO. During his tenure, Amos played a key role in growing and scaling the UK business. Amos leaves Raisin UK to pursue new opportunities, writing on LinkedIn: "I want to extend my deepest thanks to the entire Raisin family (past and present), our board, our partners and of course our customers, for an unforgettable journey. "I am thrilled to pass the leadership to Jules di Mambro. I have no doubt that under his guidance, Raisin UK will continue to break new ground." Di Mambro brings more than 20 years of experience across financial services, corporate finance, and scaling high-growth businesses, with a track record spanning banking, FinTech, and strategic leadership. He joins Raisin UK following his role as head of corporate development and investor relations at OakNorth, where he led M&A, shareholder transactions, and strategic initiatives - including the FinTech's expansion into the US. Prior to OakNorth, di Mambro spent 15 years within Goldman Sachs's Financial Institutions Group, advising and financing banks across EMEA. During this time, he developed extensive experience working with financial institutions across the region and navigating complex financial and regulatory environments. As CEO, di Mambro will lead the next phase of Raisin UK's growth, building on the business's position in the UK savings market and overseeing its continued development. He will also lead the establishment of Raisin UK's new London office. "The UK is a key market for Raisin and we see significant opportunity to continue building our presence here," said Dr Tamaz Georgadze, CEO and co-founder at Raisin. "Jules brings an exceptional combination of financial services expertise, strategic acumen, and first-hand knowledge of scaling ambitious fintech businesses, making him ideally placed to lead Raisin UK through its next phase of growth. We're delighted to welcome him to the team." Di Mambro said: "Raisin has built a strong proposition in the UK savings market, and I'm excited to join the business at such an important point in its development. "There is a significant opportunity to build on the foundations already in place, further strengthen Raisin UK's position in the market, and continue connecting savers with a broad range of savings options. I'm looking forward to working with the team and our partners as we take the business into its next phase of growth."

FinTech Futures
Sep 21st, 2026
Jules di Mambro appointed Raisin UK CEO.

Jules di Mambro appointed Raisin UK CEO. Di Mambro succeeds Steven Amos, who steps down as CEO having led the fintech's UK arm for four years. September 21, 2026 Raisin UK, the regional subsidiary of the German deposit fintech, has appointed Jules di Mambro as its new CEO following regulatory approval from the Financial Conduct Authority (FCA). Di Mambro takes over from Steven Amos, who has led Raisin UK as CEO for the past four years. Prior to his CEO promotion, Amos also served as chief commercial officer and commercial managing director. "After an amazing seven-year journey with Raisin UK, and having had the honour of leading the company as CEO for the last four years, it is time for me to pass the baton," says Amos in a LinkedIn post announcing his departure. In a separate statement, Raisin says di Mambro will oversee the company's development in the UK. He will also lead the establishment of a new office in London. Di Mambro joins Raisin from OakNorth, where he spent the past five years leading corporate finance, and corporate development and investor relations divisions. Prior to that, he spent close to 15 years at Goldman Sachs, rising through the ranks to become executive director in 2013. Commenting on the new leadership hire, Dr Tamaz Georgadze, CEO and co-founder at Raisin, says that di Mambro's "first-hand knowledge of scaling ambitious fintech businesses" makes him the ideal candidate to "lead Raisin UK through its next phase of growth". Launched in 2018, Raisin UK offers access to savings accounts and fixed-term deposits from multiple UK and European banks. In January, Cetin Duransoy stepped down as CEO of the fintech's US division to join Revolut as CEO of its recently conditionally approved US bank. Reporter, FinTech Futures Francis Bignell is a reporter at FinTech Futures with a keen interest in all things fintech, especially in the Latin America region. Writing in the industry for four years, he has moderated webinars and podcasts as well as interviewed executives from a wide range of sectors.

ARTEMEON
Apr 20th, 2026
Raisin expands its partnership with ARTEMEON!

Raisin expands its partnership with ARTEMEON! ARTEMEON Management Partner GmbH is delighted that Raisin is expanding its successful partnership with ARTEMEON. In addition to VAM@ARTEMEON - which has been in productive use since 2025 - Raisin is now implementing three additional modules from its AGP@ARTEMEON software suite: * BCM@ARTEMEON - Business continuity management in accordance with DORA and BSI IT-Grundschutz. * ISMS@ARTEMEON - Information security and information risk management in accordance with DORA, ISO/IEC 27000, and BSI IT-Grundschutz. * GDPR@ARTEMEON - Data protection management in accordance with GDPR. With this step, Raisin is relying on an integrated platform for holistic non-financial risk management. BCM@ARTEMEON enables structured Business Impact Analyses and BCM Risk Analyses, as well as the efficient creation and maintenance of recovery strategies, emergency plans, and emergency manuals - ensuring operational resilience and regulatory compliance. ISMS@ARTEMEON provides a comprehensive platform for managing information security risks: From mapping information domains and assessing protection needs to gap analyses and structured risk evaluation - aligned with ISO/IEC 27000, DORA, and BSI IT-Grundschutz. GDPR@ARTEMEON enables efficient and audit-proof data protection management - from records of processing activities and data subject rights to the management of data protection risks and reporting processes in accordance with GDPR. In combination with the already established VAM@ARTEMEON (third-party, contract, and outsourcing management in accordance with EBA, DORA, and MaRisk), Raisin will be leveraging four core AGP@ARTEMEON modules on one platform - intelligently interlinked, regulatory-compliant, and sustainable to operate. ARTEMEON Management Partner GmbH sincerely thank Raisin for the continued trust and look forward to its ongoing successful collaboration!

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