Raisin Savings Review (Previously SaveBetter): High-Yield Accounts, but Are They Safe?

<!DOCTYPE html> <html lang="en-US"> <head> <title>Raisin Savings Review (Previously SaveBetter): High-Yield Accounts, but Are They Safe?</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="Raisin Savings Review 2024 (Previously SaveBetter): High-Yield Accounts, But Are They Safe and Reliable?" > <meta name="datePublished" content="2024-11-20T20:44:40Z" > <meta name="dateModified" content="2024-11-20T22:41:04Z" > <meta name="news_keywords" content="Personal Finance, Banking, Savings" > <meta name="description" content="Discover the pros and cons of Raisin savings accounts in our in-depth review. 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It connects you to bank accounts that are federally insured by the FDIC or NCUA.</p>"},{"question":"Can I trust Raisin Bank?","answer":"<p class=\"faq-answer\">Yes, Raisin is a trustworthy service overall. Raisin isn't a bank, it's an online marketplace that connects you with partner banks. Through these partner banks, your money is federally insured by the FDIC or NCUA. The American Institute of CPAs has given Raisin an SOC 2 certification, which means the AICPA has audited Raisin and found that the company has a high level of online security.</p>"},{"question":"Does Raisin charge a fee?","answer":"<p class=\"faq-answer\">No, Raisin doesn't charge a membership fee or a monthly bank maintenance fee. You'll only pay a fee if you withdraw money from a CD before the term ends — this is known as an early withdrawal penalty.</p>"},{"question":"Is Raisin insured?","answer":"<p class=\"faq-answer\">Yes, accounts you open through Raisin are insured. 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CEPF","sameAs":"https://www.businessinsider.com/author/laura-grace-tarpley"},{"@type":"Person","name":"Sophia Acevedo","sameAs":""},{"@type":"Person","name":"Evelyn He","sameAs":"https://www.businessinsider.com/author/evelyn-he"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Raisin Savings Review (Previously SaveBetter): High-Yield Accounts, But Are They Safe?","alternativeHeadline":"Raisin Savings Review 2024 (Previously SaveBetter): High-Yield Accounts, But Are They Safe and Reliable?","image":{"@type":"ImageObject","url":"https://i.insider.com/648cb12651ea980019d6b14a?width=1200&format=jpeg","width":1200,"height":900,"caption":"Raisin is an online marketplace for high-yield bank accounts."},"name":"Raisin Savings Review 2024 (Previously SaveBetter): High-Yield Accounts, But Are They Safe and Reliable?","datePublished":"2024-11-20T20:44:40Z","dateModified":"2024-11-20T22:41:04Z","description":"Discover the pros and cons of Raisin savings accounts in our in-depth review. Find out if Raisin's offerings are the right choice for growing your savings efficiently and effectively.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.Raisin is a great option if your ultimate goal is to earn the best savings account, money market account, and CD rates out there. Raisin offers APYs of up to 4.45% on savings and up to 4.50% on CDs. It's a marketplace that connects you with accounts you might not be able to access otherwise, including ones at community-driven and minority-owned institutions. You'll also earn higher rates than if you opened an account directly through one of its partner banks.Raisin is a digital marketplace for finding high-yield accounts. It partners with banks and credit unions to offer you special interest rates if you open an account through Raisin rather than directly on the partner banks' websites.Raisin has been providing a similar high-yield savings account marketplace in Europe. It works with over 400 banks and has more than 1 million direct customers. It started providing services in the U.S. through SaveBetter, and SaveBetter has now officially rebranded as Raisin.Raisin is not a good choice if you want immediate access to your savings, though — it doesn't offer checking accounts, so you'll need to keep a checking account at another institution and make transfers between banks, which could take up to a few business days.One of the primary benefits of using Raisin is that you'll be able to find a variety of savings accounts, money market accounts, and CDs with high interest rates. Many of these rates are exclusive options, and the rates are higher than what you would find if you opened an account directly from a participating bank's website. Raisin also stands out for its opening requirements. There's a $1 minimum opening deposit and no monthly service fee for all accounts. At traditional financial institutions, you may need to be mindful of monthly bank maintenance fees or higher minimum opening requirements.Raisin offers several types of savings accounts, but it doesn't offer any checking or business bank accounts. As a result, if you transfer money to an external account, it may take one to three business days to process. Because you're not directly banking with a financial institution, there are also a couple of unique downsides. For example, Raisin doesn't let you receive direct deposits or make cash deposits. You also can't connect your selected savings accounts to a third-party budgeting app like Rocket Money or YNAB App.Raisin also has poor mobile app ratings on both the Apple Store and Google Play Store. That said, there are fewer than 60 reviews on each mobile app. Raisin partners with multiple banks and credit unions, including Sallie Mae, SkyOne Federal Credit Union, and more. Raisin can change partner companies at any time.Many of the institutions are less well-known companies — but the good news is that your money is still safe with these less popular brands. You have FDIC insurance for banks (or NCUA insurance with credit unions) when you open accounts through Raisin. This means up to $250,000 is safe in an individual account, and $500,000 in a joint account.Credit unions require you to become a member to open an account, and membership is usually only available to employees of certain companies or residents of specific counties. But when you open a credit union account through Raisin, you simply have to sign a membership agreement, and you'll qualify without having to pay any membership fees.Some of the partner bank accounts are available nationwide, but you'll earn a higher rate through Raisin. Others are usually only available in certain areas, but they're available around the U.S. through Raisin.The marketplace gives you the chance to earn high interest rates with the added bonus of working with institutions whose values you support. For example, Ponce Bank is certified as a community development financial institution (CDFI), meaning it serves a local disadvantaged community. It's also a Hispanic-American owned bank. When you're searching for accounts, Raisin lets you filter by the type of institution you want, such as minority-led, family-owned, or one with a local focus.Once you deposit money into your account through Raisin, it's held in an omnibus custodial account at the partner bank. The custodial account is managed by Lewis & Clark Bank, which is the custodian bank. When your funds are in a custodial account, the money is pooled with deposits from other Raisin customers.Custodial accounts make it possible for Raisin to deposit money to separate banks, but they do come with drawbacks. The main downside is that it's a little difficult to access your savings. To deposit or withdraw money, you must link your Raisin account to an external account, then transfer money between the accounts. These transfers typically take one to three business days. So you'd always want to keep a checking account at a separate bank for these transfers.To contact customer service, call Monday through Friday from 9 a.m. to 4 p.m. ET. You can also send an email or use automated chat on the website.Some Redditor users have said they've experienced long wait times to receive customer support, though. Traditional banks and credit unions may offer more customer service availability. Some banks have 24/7 customer support through online chat or telephone.Raisin is rated 2.0 out of 5 stars in the Apple store, and 3.1 out of 5 stars in the Google Play store. However, there are fewer than 60 reviews on each mobile app. The Better Business Bureau grades companies based on responses to customer complaints, transparency about business practices, government actions against the businesses, and more. The BBB gives Raisin a B+ grade because there are several complaints against the company on the BBB website.Raisin does not have any public controversies.It can be good to read customer reviews or talk with friends and family who have used Raisin to get a better idea of what your experience could be like. You also may want to look into the BBB grade and customer reviews for a partner bank you're considering using through Raisin. The average savings account interest rate nationwide is just 0.43% APY. Many savings accounts at national banks charge monthly fees if you don't qualify to waive them. You'll earn significantly more through Raisin's partner savings and money market accounts, and you won't pay monthly fees.Let's say you leave $10,000 in a savings account untouched. At a traditional bank that pays 0.05% APY compounded daily, you'd earn $5 in one year (which might be cancelled out by how much you pay in monthly fees). Maybe you open an account with Raisin that pays 5.00% APY. In one year, you'd earn $512.67 on that $10,000.Savings and money market accounts have variable interest rates, so rates can fluctuate at any time. But CDs have fixed rates, meaning that if you open a 1-year CD with a 5% APY, that rate is set in stone and you'll earn 5% for the entire year.There are other benefits to opening a fixed-rate CD through Raisin besides a higher rate. First, you may have access to a term length (say two months or nine months) that isn't available directly through the bank. Second, you only need $1 to open a CD through Raisin, regardless of which partner bank you choose. CDs typically require hundreds or even thousands to open an account. For example, you would normally need $2,500 to open a CD with Sallie Mae, but you only need $1 to open a Sallie Mae CD with Raisin.Keep in mind that you will have to pay an early withdrawal penalty if you take out money before the term ends. When searching for fixed-rate CDs on the Raisin website, click on \"product terms\" next to the CD you're considering to see what that fee would be.Unlike regular CDs, no-penalty CDs do not charge you for taking out money before a term ends. Most banks require you to take out all the money in one lump sum, though.No-penalty CDs aren't super common, so it's nice that Raisin gives you even more options than you may find elsewhere.If you're searching for the highest savings rates, Raisin will likely stand out more than Ally. Raisin has savings accounts, money market accounts, and CDs from a variety of banks and credit unions that pay more than any of Ally's bank accounts. Although Raisin has partnerships with many banks, your overall banking options and services are still limited. Raisin doesn't offer checking accounts or access to other types of products like credit cards or loans.If you're looking to do all your banking with one financial institution, Ally is a great option. Ally is one of the best online banks, and it has minimal fees and easy opening requirements for a variety of products.Ally is also faster and makes it easier to access your money. You can simply transfer money between the bank's checking and savings accounts and see the change almost instantly. Ally Bank ReviewRaisin and the online bank Popular Direct both offer some of the best CD rates and savings account rates overall, so deciding between the two companies may ultimately depend on the account you want and how much you plan to deposit upfront. Raisin may be a better choice if are looking for accounts with low minimum opening requirements – you only need $1 to get started. Meanwhile, Popular Direct has pretty steep opening requirements for an online bank. You'll need $100 to open a savings account and $10,000 to open a CD.Popular Direct offers a checking account though, which Raisin doesn't offer. Hence, you may prefer Popular Direct if you want more direct access to your savings. Popular Direct also allows direct deposits, while Raisin does not.Popular Direct ReviewAt Personal Finance Insider, we rate products on a scale from zero to five stars. We use a bank account rating methodology that compares and contrasts the features and fine print of various products to help determine if the account may be right for you.For example, we'll look at the minimum opening deposit, interest rate, monthly service fees, customer support availability, mobile app ratings, and ethics of a company to determine the rate for a savings account. For CDs, we'll look at similar criteria. However, we'll factor in early withdrawal penalties and CD variety, and we won't consider monthly service fees since that isn't applicable.Yes, Raisin is a legitimate company. It connects you to bank accounts that are federally insured by the FDIC or NCUA.Yes, Raisin is a trustworthy service overall. Raisin isn't a bank, it's an online marketplace that connects you with partner banks. Through these partner banks, your money is federally insured by the FDIC or NCUA. The American Institute of CPAs has given Raisin an SOC 2 certification, which means the AICPA has audited Raisin and found that the company has a high level of online security.No, Raisin doesn't charge a membership fee or a monthly bank maintenance fee. You'll only pay a fee if you withdraw money from a CD before the term ends — this is known as an early withdrawal penalty.Yes, accounts you open through Raisin are insured. Accounts at partner banks are federally insured by the FDIC, and ones at partner credit unions are insured by the NCUA.Raisin is owned by Raisin GmbH, a logistics firm founded in 2012. Raisin GmbH is based in Berlin, Germany, and owns both Raisin and Raisin UK.To withdraw money from Raisin, transfer funds from your Raisin-affiliated account to an external bank account. The transfer will probably take one to three business days.","articleSection":"Personal Finance, Banking, Savings","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is Raisin legitimate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, Raisin is a legitimate company. It connects you to bank accounts that are federally insured by the FDIC or NCUA.</p>"}},{"@type":"Question","name":"Can I trust Raisin Bank?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, Raisin is a trustworthy service overall. Raisin isn't a bank, it's an online marketplace that connects you with partner banks. Through these partner banks, your money is federally insured by the FDIC or NCUA. 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The transfer will probably take one to three business days.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking","name":"Banking"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/savings","name":"Savings"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking/raisin-review","name":"Raisin Savings Review 2024 (Previously SaveBetter): High-Yield Accounts, But Are They Safe and Reliable?"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li 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data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/banking" class=" 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stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/savings" class="" data-track-click="{"product_field":"Savings","element_name":"breadcrumbs","event":"navigation"}" > Savings </a> </span> </div> <h1 class="post-headline ">Raisin Savings Review 2024 (Previously SaveBetter): High-Yield Accounts, But Are They Safe and Reliable?</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Laura Grace Tarpley, CEPF" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/laura-grace-tarpley" >Laura Grace Tarpley, CEPF</a></span> and <span class="" data-e2e-name="Sophia Acevedo" > Sophia Acevedo<span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-11-20T20:44:40Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-11-20T20:44:40Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" 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class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#about-raisin" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > About Raisin </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#pros-and-cons" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#raisin-account-reviews" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Raisin Account Reviews </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#alternatives-to-raisin" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Alternatives to Raisin </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-us" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#about-raisin" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > About Raisin </a> </li> <li> <a href="#pros-and-cons" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a href="#raisin-account-reviews" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Raisin Account Reviews </a> </li> <li> <a href="#alternatives-to-raisin" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Alternatives to Raisin </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Raisin is a great option if your ultimate goal is to earn the <a href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-analytics-product-module="body_link" rel="">best savings account</a>, money market account, and CD rates out there. Raisin offers APYs of up to 4.45% on savings and up to 4.50% on CDs.  It's a marketplace that connects you with accounts you might not be able to access otherwise, including ones at community-driven and minority-owned institutions. You'll also earn higher rates than if you opened an account directly through one of its partner banks.</p><h2>Raisin Interest Rates</h2><ul><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="64663bb85037440011f09849" data-analytics-product-brand="Raisin" data-analytics-product-name="Dayspring Bank High Yield Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/9624abd8-5cab-447a-8bc2-3744895113f3">Dayspring Bank High Yield Savings Account</a>: 4.45%</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="644feb289bca6000112d38a6" data-analytics-product-brand="Raisin" data-analytics-product-name="Ponce Bank 3 Month CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/d33761f7-cc74-43bd-a217-7600ff20f09a">Ponce Bank 3 Month CD</a>: 4.40%</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="644febe99bca6000112d38ad" data-analytics-product-brand="Raisin" data-analytics-product-name="Freedom Bank 6 Month CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/d33761f7-cc74-43bd-a217-7600ff20f09a">Freedom Bank 6 Month CD</a>: 4.20%</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="644fec3221b87400186a5cd0" data-analytics-product-brand="Raisin" data-analytics-product-name="SkyOne Federal Credit Union 1 Year CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/d33761f7-cc74-43bd-a217-7600ff20f09a">SkyOne Federal Credit Union 1 Year CD</a>: 4.50%</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="645d39e321b87400186a81bb" data-analytics-product-brand="Raisin" data-analytics-product-name="Dayspring Bank Money Market Deposit Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/1e819a72-51ac-4f84-b7ea-93b6a5572c0a">Dayspring Bank Money Market Deposit Account</a>: 4.45%</li><li>Compare all <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6452b10a21b87400186a6809" data-analytics-product-brand="Raisin" data-analytics-product-name="Raisin" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/eccfdd1b-15c9-4476-a3df-e50afce800af">Raisin offers</a></li></ul><h2 data-toc-label="About Raisin" id="about-raisin" class="toc-anchor">About Raisin</h2><p>Raisin is a digital marketplace for finding high-yield accounts. It partners with banks and credit unions to offer you special interest rates if you open an account through Raisin rather than directly on the partner banks' websites.</p><p>Raisin has been providing a similar high-yield savings account marketplace in Europe. It works with over 400 banks and has more than 1 million direct customers. It started providing services in the U.S. through SaveBetter, and SaveBetter has now officially rebranded as Raisin.</p><p>Raisin is not a good choice if you want immediate access to your savings, though — it doesn't offer checking accounts, so you'll need to keep a checking account at another institution and make transfers between banks, which could take up to a few business days.</p><h2 data-toc-label="Pros and Cons" id="pros-and-cons" class="toc-anchor">Raisin Pros and Cons</h2><h3>Raisin account pros</h3><p>One of the primary benefits of using Raisin is that you'll be able to find a variety of savings accounts, money market accounts, and CDs with high interest rates. Many of these rates are exclusive options, and the rates are higher than what you would find if you opened an account directly from a participating bank's website. </p><p>Raisin also stands out for its opening requirements. There's a $1 minimum opening deposit and no monthly service fee for all accounts. At traditional financial institutions, you may need to be mindful of <a href="https://www.businessinsider.com/personal-finance/banking/monthly-bank-maintenance-fee" data-analytics-product-module="body_link" rel="">monthly bank maintenance fees</a> or higher minimum opening requirements.</p><h3>Raisin account cons</h3><p>Raisin offers several <a href="https://www.businessinsider.com/personal-finance/banking/types-of-savings-accounts" data-analytics-product-module="body_link" rel="">types of savings accounts</a>, but it doesn't offer any checking or business bank accounts. As a result, if you transfer money to an external account, it may take one to three business days to process. </p><p>Because you're not directly banking with a financial institution, there are also a couple of unique downsides. For example, Raisin doesn't let you receive direct deposits or make cash deposits. You also can't connect your selected savings accounts to a third-party budgeting app like Rocket Money or <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="body_link" data-analytics-product-id="61438b0f13cd0400189df9b3" data-analytics-product-brand="YNAB" data-analytics-product-name="YNAB App" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71445-20&h=0fbbe9652ce6e3bcb40eddb3bdebf45fb4d9032d642f65f378ff9a76dd5769d7&platform=browser&postID=669fd25fc79d31931d8209d2&postSlug=personal-finance%2Fbanking%2Fraisin-review&site=bi&u=https%3A%2F%2Fyouneedabudget.a4xxmk.net%2Fc%2F4722637%2F869639%2F10892" data-am-orig-url="https://affiliate.insider.com/?h=0fbbe9652ce6e3bcb40eddb3bdebf45fb4d9032d642f65f378ff9a76dd5769d7&u=https%3A%2F%2Fyouneedabudget.a4xxmk.net%2Fc%2F4722637%2F869639%2F10892">YNAB App</a>.</p><p>Raisin also has poor mobile app ratings on both the Apple Store and Google Play Store. That said, there are fewer than 60 reviews on each mobile app. </p><h2>Raisin Savings Platform </h2><p>Raisin partners with multiple banks and credit unions, including <a href="https://www.businessinsider.com/personal-finance/banking/sallie-mae-bank-review" data-analytics-product-module="body_link" rel="">Sallie Mae</a>, SkyOne Federal Credit Union, and more. Raisin can change partner companies at any time.</p><p>Many of the institutions are less well-known companies — but the good news is that your money is still safe with these less popular brands. You have <a href="https://www.businessinsider.com/personal-finance/banking/fdic" data-analytics-product-module="body_link" rel="">FDIC</a> insurance for banks (or <a href="https://www.businessinsider.com/personal-finance/banking/how-ncua-insurance-works-credit-union" data-analytics-product-module="body_link" rel="">NCUA insurance</a> with credit unions) when you open accounts through Raisin. This means up to $250,000 is safe in an individual account, and $500,000 in a joint account.</p><p>Credit unions require you to become a member to open an account, and membership is usually only available to employees of certain companies or residents of specific counties. But when you open a credit union account through Raisin, you simply have to sign a membership agreement, and you'll qualify without having to pay any membership fees.</p><p>Some of the partner bank accounts are available nationwide, but you'll earn a higher rate through Raisin. Others are usually only available in certain areas, but they're available around the U.S. through Raisin.</p><p>The marketplace gives you the chance to earn high interest rates with the added bonus of working with institutions whose values you support. For example, Ponce Bank is certified as a community development financial institution (CDFI), meaning it serves a local disadvantaged community. It's also a <a href="https://www.businessinsider.com/personal-finance/banking/hispanic-american-owned-banks-credit-unions" data-analytics-product-module="body_link" rel="">Hispanic-American owned bank</a>. When you're searching for accounts, Raisin lets you filter by the type of institution you want, such as minority-led, family-owned, or one with a local focus.</p><p>Once you deposit money into your account through Raisin, it's held in an omnibus custodial account at the partner bank. The custodial account is managed by <a href="https://lewisandclarkbank.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Lewis & Clark Bank</a>, which is the custodian bank. When your funds are in a custodial account, the money is pooled with deposits from other Raisin customers.</p><p>Custodial accounts make it possible for Raisin to deposit money to separate banks, but they do come with drawbacks. The main downside is that it's a little difficult to access your savings. To deposit or withdraw money, you must link your Raisin account to an external account, then transfer money between the accounts. These transfers typically take one to three business days. So you'd always want to keep a checking account at a separate bank for these transfers.</p><h2>Raisin Customer Service</h2><p>To contact customer service, call Monday through Friday from 9 a.m. to 4 p.m. ET. You can also send an email or use automated chat on the website.</p><p>Some Redditor users have said they've experienced long wait times to receive customer support, though. Traditional banks and credit unions may offer more customer service availability. Some <a href="https://www.businessinsider.com/personal-finance/banking/banks-with-24-7-customer-support" data-analytics-product-module="body_link" rel="">banks have 24/7 customer support</a> through online chat or telephone.</p><p>Raisin is rated 2.0 out of 5 stars in the Apple store, and 3.1 out of 5 stars in the Google Play store. However, there are fewer than 60 reviews on each mobile app. </p><h2>Is Raisin Trustworthy?</h2><p>The Better Business Bureau grades companies based on responses to customer complaints, transparency about business practices, government actions against the businesses, and more. The BBB gives Raisin a <a href="https://www.bbb.org/us/ny/new-york/profile/financial-technology/savebetter-0121-87158609" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">B+ grade</a> because there are several complaints against the company on the BBB website.</p><p>Raisin does not have any public controversies.</p><p>It can be good to read customer reviews or talk with friends and family who have used Raisin to get a better idea of what your experience could be like. You also may want to look into the BBB grade and customer reviews for a partner bank you're considering using through Raisin. </p><h2 data-toc-label="Raisin Account Reviews" id="raisin-account-reviews" class="toc-anchor">Raisin High-yield Accounts</h2><h3>Raisin High-yield Savings and Money Market Accounts</h3><p>The <a href="https://www.businessinsider.com/personal-finance/banking/average-savings-account-interest-rate" data-analytics-product-module="body_link" rel="">average savings account interest rate</a> nationwide is just 0.43% APY. Many savings accounts at national banks charge monthly fees if you don't qualify to waive them. You'll earn significantly more through Raisin's partner savings and money market accounts, and you won't pay monthly fees.</p><p>Let's say you leave $10,000 in a savings account untouched. At a traditional bank that pays 0.05% APY compounded daily, you'd earn $5 in one year (which might be cancelled out by how much you pay in monthly fees). Maybe you open an account with Raisin that pays 5.00% APY. In one year, you'd earn $512.67 on that $10,000.</p><h3>Raisin Fixed-Rate CDs</h3><p>Savings and <a href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-analytics-product-module="body_link" rel="">money market accounts</a> have variable interest rates, so rates can fluctuate at any time. But CDs have fixed rates, meaning that if you open a 1-year CD with a 5% APY, that rate is set in stone and you'll earn 5% for the entire year.</p><p>There are other benefits to opening a fixed-rate CD through Raisin besides a higher rate. First, you may have access to a term length (say two months or nine months) that isn't available directly through the bank. Second, you only need $1 to open a CD through Raisin, regardless of which partner bank you choose. CDs typically require hundreds or even thousands to open an account. For example, you would normally need $2,500 to open a CD with Sallie Mae, but you only need $1 to open a Sallie Mae CD with Raisin.</p><p>Keep in mind that you will have to pay an <a href="https://www.businessinsider.com/personal-finance/banking/cd-early-withdrawal-penalties" data-analytics-product-module="body_link" rel="">early withdrawal penalty</a> if you take out money before the term ends. When searching for fixed-rate CDs on the Raisin website, click on "product terms" next to the CD you're considering to see what that fee would be.</p><h3>Raisin No-Penalty CDs</h3><p>Unlike regular CDs, <a href="https://www.businessinsider.com/personal-finance/banking/best-no-penalty-cds" data-analytics-product-module="body_link" rel="">no-penalty CDs</a> do not charge you for taking out money before a term ends. Most banks require you to take out all the money in one lump sum, though.</p><p>No-penalty CDs aren't super common, so it's nice that Raisin gives you even more options than you may find elsewhere.</p><h2 data-toc-label="Alternatives to Raisin" id="alternatives-to-raisin" class="toc-anchor">Raisin Savings Alternatives</h2><h3 data-toc-label="Alternatives to Raisin">Raisin vs. Ally</h3><p>If you're searching for the highest savings rates, Raisin will likely stand out more than Ally. Raisin has savings accounts, money market accounts, and CDs from a variety of banks and credit unions that pay more than any of Ally's bank accounts. </p><p>Although Raisin has partnerships with many banks, your overall banking options and services are still limited. Raisin doesn't offer checking accounts or access to other types of products like credit cards or loans.</p><p>If you're looking to do all your banking with one financial institution, Ally is a great option. Ally is one of the <a href="https://www.businessinsider.com/personal-finance/banking/best-online-banks" data-analytics-product-module="body_link" rel="">best online banks</a>, and it has minimal fees and easy opening requirements for a variety of products.</p><p>Ally is also faster and makes it easier to access your money. You can simply transfer money between the bank's checking and savings accounts and see the change almost instantly. </p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/ally-bank-review" data-analytics-product-module="body_link" rel="">Ally Bank Review</a></em></p><h3 data-toc-label="Alternatives to Raisin">Raisin vs. Popular Direct</h3><p>Raisin and the online bank Popular Direct both offer some of the <a href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-analytics-product-module="body_link" rel="">best CD rates</a> and savings account rates overall, so deciding between the two companies may ultimately depend on the account you want and how much you plan to deposit upfront. </p><p>Raisin may be a better choice if are looking for accounts with low minimum opening requirements – you only need $1 to get started. Meanwhile, Popular Direct has pretty steep opening requirements for an online bank. You'll need $100 to open a savings account and $10,000 to open a CD.</p><p>Popular Direct offers a checking account though, which Raisin doesn't offer. Hence, you may prefer Popular Direct if you want more direct access to your savings. Popular Direct also allows direct deposits, while Raisin does not.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/popular-direct-review" data-analytics-product-module="body_link" rel="">Popular Direct Review</a></em></p><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Reviewed Raisin Accounts</h2><p data-toc-label="Pros and Cons">At Personal Finance Insider, we rate products on a scale from zero to five stars. We use a <a href="https://www.businessinsider.com/personal-finance/banking/methodology" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80">bank account rating methodology</a> that compares and contrasts the features and fine print of various products to help determine if the account may be right for you.</p><p data-toc-label="Pros and Cons">For example, we'll look at the minimum opening deposit, interest rate,  monthly service fees, customer support availability, mobile app ratings, and ethics of a company to determine the rate for a savings account. For CDs, we'll look at similar criteria. However, we'll factor in early withdrawal penalties and CD variety, and we won't consider monthly service fees since that isn't applicable.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Raisin FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is Raisin legitimate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, Raisin is a legitimate company. It connects you to bank accounts that are federally insured by the FDIC or NCUA.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I trust Raisin Bank? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, Raisin is a trustworthy service overall. Raisin isn't a bank, it's an online marketplace that connects you with partner banks. Through these partner banks, your money is federally insured by the FDIC or NCUA. The American Institute of CPAs has given Raisin an SOC 2 certification, which means the AICPA has audited Raisin and found that the company has a high level of online security.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does Raisin charge a fee? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, Raisin doesn't charge a membership fee or a monthly bank maintenance fee. You'll only pay a fee if you withdraw money from a CD before the term ends — this is known as an early withdrawal penalty.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is Raisin insured? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, accounts you open through Raisin are insured. Accounts at partner banks are federally insured by the FDIC, and ones at partner credit unions are insured by the NCUA.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is Raisin owned by? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Raisin is owned by Raisin GmbH, a logistics firm founded in 2012. Raisin GmbH is based in Berlin, Germany, and owns both Raisin and Raisin UK.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I withdraw money from Raisin? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To withdraw money from Raisin, transfer funds from your Raisin-affiliated account to an external bank account. The transfer will probably take one to three business days.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/raisin-review-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/laura-grace-tarpley" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="laura-grace-tarpley"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5d8a33692e22af05d12fa207?crop=1:1&width=256&format=jpeg&auto=webp" alt="Laura Grace Tarpley_headshot"> <noscript> <img src="https://i.insider.com/5d8a33692e22af05d12fa207?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/laura-grace-tarpley" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Laura Grace Tarpley, CEPF</div> </a> <div class="post-author_title headline-regular">Personal Finance Reviews Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Laura Grace Tarpley (she/her) is an expert in mortgage rates, refinance rates, lenders, bank accounts, and borrowing and savings tips for Personal Finance Insider. She worked on  Business Insider's "The Road to Home" series, which won a Silver award from the National Associate of Real Estate Editors.</span><span>She has written about personal finance for over seven years. Before joining the Business Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sophia-acevedo-cepf"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Sophia Acevedo's face against a gray background"> <noscript> <img src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sophia Acevedo</div> </a> <div class="post-author_title headline-regular">Banking Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics. </span><span><span class="headline-semibold">Experience</span></span><span>Sophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "<a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a>," which focused on telling stories that could help people live and spend better.</span><span>Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.</span><span>Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a <a href="https://cnpa.com/cja/2018campus/" rel=" nofollow">2018 California Journalism Awards Campus Contest</a> for her photography.</span><span>She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.</span><span><span class="headline-semibold">Expertise</span></span><span>Sophia's expertise includes:</span><ul><li><span>Bank accounts</span></li><li><span>Savings and CD rate trends</span></li><li><span>Budgeting</span></li><li><span>Saving</span></li><li><span>How banks operate</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.</span><span>Sophia is a member of the National Association of Hispanic Journalists.</span><span>She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.</span><span>The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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