Raisin
Terms and conditions
Financial information
All services provided by Raisin (Raisin SE), our European partner banks , and Raisin Bank are generally free of charge for our investors. Services for the Raisin Invest portfolios from Raisin SE incur fees that cover Raisin Invest's operating costs and third-party costs at the fund level (see section "Overview of Fee-Based Services for the ETF Robo" for details). Services for the Raisin SE Rürup and Riester ETFs incur fees consisting of a basic fee, a fee on the contract balance, and third-party costs at the fund level (see section "Overview of Fee-Based Services for the Raisin SE Rürup and Riester ETFs" for details). The free service also applies to investor support via email; telephone costs depend on the telecommunications provider used; postage costs may apply to letters. Only for unusual and particularly complex services, such as currency conversions for foreign currency fixed-term deposits, may fees apply in individual cases. Please consult the Raisin Bank's price and service schedule for the Raisin product, as well as the respective price and service schedules of the partner banks. You can find these in your online banking under "Administration" and "View Forms". When processing probate cases, depending on the partner bank and its national legislation, proof of inheritance (e.g., certificate of inheritance, European Certificate of Succession) may be required, which will incur fees according to applicable laws (e.g., court and notary fee laws).
Overview of free services for the Raisin account
Account opening (including VideoIdent or PostIdent) Ongoing account management Account closure Changes to customer data (for example, name, address) Tax information and online balance confirmation for the Raisin account PIN for online banking including two backup PINs Message and document upload/download in online banking Transfers to and from the Raisin account
Overview of the asset management services that are subject to a fee
Administrative costs of 0.25 to 0.46% per annum, depending on the amount invested. Costs for the ETFs and index funds used range from 0.09% to 0.11% per annum, depending on the chosen risk class.
Legal information
This is a page of the Raisin Group. The Raisin Group includes, among others, the following companies: Raisin SE, Raisin Bank AG, and Raisin Pension GmbH. On this page, you will find the respective terms and conditions of these Raisin companies. The terms and conditions of Raisin Pension GmbH can be found on the Raisin Pension GmbH website. Editorially responsible person pursuant to Section 18 Paragraph 2 of the German Interstate Broadcasting Treaty (MStV) for pages of the Raisin Group: Dr. Tamaz Georgadze (address Raisin SE) Raisin is a brand of the Raisin Group.