Latvia, located in the centre of the Baltic States, is an independent parliamentary democracy since 1991, a member of the European Union (EU) since 2004 and part of the euro zone since 2014. The Latvian economy is characterised by a high degree of business-friendliness, which is also reflected in a large number of successful start-ups, especially in the capital Riga. Latvia's economic growth is stable and the national debt is very low by European standards at 37.9 % of GDP (as of 2016). Culturally, Latvia is characterised by strong Northern European influences, Hanseatic architecture and its famous music folklore.

Latvia

In Latvia, a withholding tax of 20 % will be levied on interest payments from 1 January 2018, although this can be reduced. In order for the withholding tax to be reduced to 10%, the Bank must receive a certificate of residence no later than eight weeks before the due date. You should be able to claim additional tax relief for this foreign tax in Ireland.

Rietumu Bank is a Latvian bank headquartered in Riga, Latvia. Established in 1992, it has become one of the leading banks in the Baltic region, offering a wide range of financial services to individuals and businesses. The bank specializes in corporate banking, private banking, and investment services, catering to both local and international clients. Rietumu Bank is known for its expertise in international trade finance, capital markets, and wealth management solutions. It has built a reputation for reliability and professionalism, attracting clients from various industries worldwide. The bank adheres to strict regulatory standards and is committed to maintaining the highest level of integrity and customer service.

Rietumu Bank

The statutory Deposit Guarantee Scheme in Latvia guarantees deposit amounts up to a maximum of 100,000 Euro per bank and customer. Further information about the Deposit Guarantee Scheme can be found at http://www.fktk.lv/en. Within the European Union, the minimum amount guaranteed by Deposit Guarantee Schemes of each member state has been harmonized by EU directives 94/19/EG, 2009/14/EG and 2014/49/EU.

The Deposit Guarantee Fund of Latvia

bankPageTitle

The Kingdom of Spain is located in the southwest of Europe on the Iberian Peninsula and borders France, Portugal, Andorra and Morocco. The country has been a member of the European Union since 1986 and, like Germany, introduced the euro as a means of payment in 2002.

As Spain is the second most popular vacation destination in the world, tourism represents the largest part of Spain's economic power. This is followed by the industrial sector and the agricultural sector.

After the recession in 2011, the Spanish economy is again in a steady upswing and is considered one of the fastest and most sustainably growing economies within the European Union.

Spain

The withholding tax rate of 19% on interest income in Spain can be reduced to 0% for customers from Ireland, as you must to provide the Spanish tax form ("Declaración de Residencia Fiscal") when you first open an account with each of our partner banks in Spain. This form is sufficient to reduce the withholding tax and only needs to be submitted once per person and per partner bank.

A&G Banco, established in 2014 as part of the A&G Group with roots tracing back to 1987, operates from its Madrid headquarters with 10 additional branches across Spain.

It specializes in offering competitive banking services tailored to the needs of high-net-worth individuals worldwide. Providing exclusive advisory and management services, the bank focuses on wealth management, investment management, estate planning, and asset allocation strategies, to private and institutional clients alike.

Known for its personalized approach, A&G builds long-term relationships with clients, delivering tailored solutions to meet their financial goals, becoming a trusted partner in the Spanish financial sector.

A&G Banco

Deposits including accrued interest income are legally protected by the Spanish Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via WeltSparen were invested with a particular bank, but also other deposits of this customer were invested with the respective bank.

Spanish Deposit Guarantee Fund of Credit Institutions

The Federal Republic of Germany is the largest economy and the main export-power among European Union member states. Germany is also one of the few nations in the world that has obtained the highest rating, “AAA”, for its sovereign debt from the three major credit rating agencies.

Germany

Germany does not levy withholding tax on non-residents, i.e. you are automatically exempt from withholding tax and do not have to do anything else.

Aareal Bank AG, headquartered in Wiesbaden, is a leading international real estate specialist. The bank's origins date back to 1923. It offers financing, software products and digital solutions for the real estate sector and related industries. Aareal Bank operates on three continents - Europe, North America and Asia/Pacific - and supports real estate financing in more than 20 countries.

Aareal Bank AG

Deposits including accrued interest income are legally protected up to an amount of EUR 100,000 per customer and per bank by the Entschädigungseinrichtung deutscher Banken GmbH. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.   It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Compensation Scheme of German Banks GmbH

Italy is a republic in the South of Europe. It has one of the biggest economies in the world and is rated as a highly developed stated on the Human Development Index. Italy is one of the founding members of the European Union and uses the Euro as a currency since 2002.

Italy

Banca Privata Leasing S.p.A. was founded in 1987 as a leasing company in the Italian region of Reggio Emilia (Emilia-Romagna), an area that has always been the scenario of important economic and social development in Italy. In September 2011, BPL obtained a banking licence, expanding its portfolio of financial products. Banca Privata Leasing is an independent, private bank, specialised in leasing and online deposit-taking. The bank also has offices in Milan. The bank focuses mainly on the SMEs and freelancer segments with leasing and lending offers, as well as a wide range of financing solutions for individuals. The products offered by Banca Privata Leasing through Raisin Bank can be ordered 100% online and in just one minute through your inline banking, no additional documents are required.

Banca Privata Leasing

Deposits including accrued interest income are legally protected by the Italian Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Interbank Deposit Protection Fund (FITD)

Banca Profilo is an institution based in Milan, Italy, specialized in Private & Investment Banking. It has been offering services for the asset management of private and institutional clients and for the financial needs of companies since 1995. Banca Profilo was listed on the Borsa Italiana in 2007.

Banca Profilo

Portugal is located in the west of the Iberian Peninsula and is a popular destination for tourists. The Southern European country has been a member of the EU since 1986, was a founding member of NATO, and introduced the euro as its currency in 2002 upon its inception. Apart from tourism, the service sector is the largest source of income. Portugal depends mainly on trade with its EU partners.

Portugal

Portugal has a withholding tax rate of 28%, and, due to Double Taxation Agreements (DTAs) you have the option to reduce this rate to 15%.

Banco Português de Gestão is a Portuguese private corporate and investment bank founded in 2000. In addition to its main branch in Lisbon, the bank has a branch in Porto. The majority shareholder of Banco Português de Gestão, with over 98%, is the private and non-profit foundation Fundação Oriente.

Banco Português de Gestão's offering includes investment banking, corporate banking, retail banking, financing and asset management services for small and medium-sized enterprises (SMEs), as well as wealthy individuals and government institutions. The bank also provides tailor-made solutions for the special requirements of the welfare state institutions that are part of its customer base.

Banco Português De Gestão

Deposits including accrued interest income are legally protected by the Portuguese Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via Raisin Bank were invested with a particular bank, but also other deposits of this customer were invested with the respective bank.

Deposit Guarantee Scheme of Portugal

BFF Banking Group is the largest operator of specialized financing in Italy and a leading player in Europe specializing in the management and non-recourse factoring of trade receivables from public administration, investment services, banking and corporate payments. The group operates in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, Slovakia and Spain. BFF is listed on the Italian stock exchange.

Please note:
BFF Bank has a banking license in Italy. However, the bank offers deposits via Raisin Bank through its Spanish branch (Sucursal en España) in Madrid. This means that your savings with the bank are covered by the Italian deposit guarantee (up to €100,000 per account holder per bank), but Spanish withholding tax applies (which you can easily exempt when opening your term deposit, i.e. reduce to 0%).


In 2001, four Latvian entrepreneurs founded BluOr Bank AS (hereinafter „BluOr Bank“) in Riga - initially as a bank only for companies engaged in international trade or acting as a holding company - gradually adding products for private customers.

Today, BluOr Bank is the ninth largest bank in the country in terms of assets under management and has built its reputation as a reliable partner and financially stable organisation over the 21 years of the bank's existence. The bank is highly liquid every year and has remained profitable during Latvia's economic slowdown

BluOr Bank AS

Crédit Agricole Auto Bank is an international banking group, present in 19 European countries. It’s part of the Crédit Agricole Group, the tenth largest bank in the world and the first in Europe by number of retail customers.

CA Auto Bank is a leading player in vehicle financing and leasing and in the mobility sector, with a complete range of financial, insurance and rental solutions, and more than 50 prestigious brand partners.

The Bank’s history began in 1925: for almost 100 years it has accompanied the evolution of the automotive sector in Europe. CA Auto Bank has also long been active in daily banking, particularly in Italy and Germany, with its deposit accounts. CA Auto Bank's deposit accounts have proven to be one of the instruments that best meets customers' savings needs, thanks to the Bank’s soundness and transparency.

The Bank’s mission, “Creating everyday mobility solutions for a better planet”, sums up its raison d'être: to drive the energy transition in the sector, making access to zero- and low-emission vehicles increasingly democratic and affordable for everyone.

CA Auto Bank

Lithuania, the southernmost and largest state in the Baltics, has been an independent semi-presidential democracy since 1990. Like the rest of the Baltics, Lithuania has been strongly oriented toward Europe politically and economically since independence and has been a member of the European Union (EU) since 2004 and part of the eurozone since 2015. Lithuania's economic growth is stable and its national debt, at 40.2% of GDP (as of 2016), is very low by European standards. Culturally, Lithuania is characterized by a variety of different influences due to its geographical location and long history.

Lithuania

Lithuania has a standard withholding tax of 15%, but due to double taxation agreements between Lithuania and Ireland, there is the possibility of reducing this withholding tax to 10%. To reduce the withholding tax, a certificate of tax residence from Revenue is required, as well as the form "Claim for Reduction or Exemption from the anticipatory Tax withheld at Source" which we will provide to you when you make an order. These documents must be submitted no later than six weeks before your deposit is to to mature.

Fjord Bank is a digital consumer finance bank based in Lithuania, founded in 2019. The bank focuses on providing straightforward online loans and savings products. 
In December 2019, Fjord Bank received a specialized bank license from the European Central Bank, facilitated by the Bank of Lithuania. Fjord Bank operates entirely online and offers a range of services including deposit accounts, consumer loans, car loans, and home improvement loans. The bank's savings accounts are protected under Lithuania's deposit guarantee scheme, which covers deposits up to €100,000 per account holder​.

Fjord Bank

Deposits up to an amount of EUR 100,000, including interest income, are legally protected at 100% per customer and per bank by the Lithuanian Deposit Protection Fund. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.

Lithuanian Deposit Insurance Fund

Spain imposes a standard 19% withholding tax on deposit interest. However, as an Irish taxpayer, you can reduce this to 0% by submitting a certificate of Irish tax residence issued by Revenue. This document must be dated within 12 months of the expiry date and submitted at least 4 weeks prior to that date. For further details, please refer to the Product Information Sheet.

Haitong Bank S.A. Sucursal en España was established in Madrid, Spain in 2001. It is the Spanish branch of the Portuguese Haitong Bank S.A., which was established in Lisbon, Portugal in 1983. Haitong Bank S.A.'s business in Spain focuses on investment banking products and services for corporate and institutional clients. These include financial solutions, equities and asset management. As a wholly-owned subsidiary of Haitong Securities, one of the leading investment banks with securities operations in China, Haitong Bank S.A. focuses its extensive range of services on both the domestic and international markets. The bank specialises in particular in the financial markets in Europe, America and Asia.

Please note that Haitong has a banking license in Portugal and offers term deposits via Raisin through its Spanish branch (Sucursal en España) in Madrid. This means that your savings with the bank are covered by the Portuguese deposit guarantee (up to €100,000 per depositor per bank), but Spanish withholding tax applies (which can easily be reduced to 0%).

Haitong Bank, S.A., Sucursal en España

Sweden is a member of the European Union since 1995, however it has its own currency, the Swedish Krona (SEK). Sweden is distinguished by its highly industrialised economy, based on cutting-edge technology in key sectors such as automotive, electronics and telecommunications. Its strong social welfare network, including a high quality public health and education system, reinforces its position as a society with high levels of equality and well-being. In addition, its focus on environmental sustainability and technological innovation has positioned the country as a leader in the transition to a green economy. Its policy of openness to international trade and its political and social stability continue to attract investment from around the world.

Sweden

HoistSparen is part of Hoist Finance AB (publ), a credit market company supervised by the Swedish FSA. HoistSparen offers savings accounts with attractive terms and conditions to private customers in selected European markets. 

Hoist Finance is an asset manager specialised in debt restructuring, set to become the leading NPL asset manager of secured and unsecured consumer- and SME loans in Europe. Hoist Finance was founded in Sweden in 1994 and is today present in 11 European markets. The HOFI-share is listed on Nasdaq Stockholm. For more information, please visit hoistfinance.com.

HoistSparen

In accordance with EU Directive 2014/49/EU, deposits with this Bank, inclusive of accrued interest not yet credited, are guaranteed by the Swedish statutory deposit guarantee scheme up to (the equivalent in euros of) SEK 1,050,000 per account holder, per bank. This amount also includes possible deposits and/or savings accounts ordered outside Raisin Bank. This protection covers the deposits of all natural persons, not only Swedish citizens.   In the event of an intervention by the Swedish DGS, the payment shall be made in Euros to your Raisin Account, within 7 business days from the time the DGS comes into effect. In this case, the exchange rate applied will be the one valid at the time of the bank’s administrative settlement process and is thus subject to currency fluctuations.   The administrator and executor of the deposit guarantee scheme is Riksgälden. For more information please visit https://www.riksgalden.se/en/)

Swedish Deposit Protection Fund

imprebanca S.p.A. was founded in 2008 as a multi-channel bank in order to meet the needs of business and retail customers with products and services tailored to their needs. 60% of imprebanca's shareholding is represented by 40 entrepreneurs, while the remaining share is equally divided between Banca Finnat Euramerica and Generali Italia S.p.A. In 2019, imprebanca's total assets amounted to EUR 330 million with a core capital ratio of 30.17 percent. imprebanca was authorised for banking activities in August 2009 by the Bank of Italy and began operations in May 2010, with the opening of the first branch in Via Cola di Rienzo in Rome, Italy. The bank currently operates through its Headquarter and four branches in Rome, Italy.

imprebanca

Malta is a member of the European Union and has used the Euro as its currency since joining the Eurozone in 2008. Malta is classified as an advanced economy by the International Monetary Fund and as a high income country by the World Bank. The Maltese Depositor Compensation Scheme is run by the Malta Financial Services Authority (MFSA), Malta’s financial regulator. Under the scheme, customers with money held in regulated Maltese banks are protected up to the limit of EUR 100,000 per person, per institution.

Malta

Malta does not levy withholding tax on non-residents, i.e. you are automatically exempt from withholding tax and do not have to do anything else.

Izola Bank, based in Malta, was established in 1994 as a specialist provider of financial services to the business community. Initially focused on trade finance and payment services for businesses operating in Malta, it has expanded its services to cater to a broader European clientele. Izola Bank operates primarily online, offering a range of products including savings accounts, term deposits, and various types of loans. It is known for its competitive interest rates on savings and deposits. The bank emphasizes customer service and technological innovation, aiming to provide efficient and user-friendly banking solutions. Regulated by the Malta Financial Services Authority (MFSA), Izola Bank adheres to strict European banking standards, ensuring security and reliability for its customers. It continues to leverage its niche expertise to grow within the European financial market.

Izola Bank

Deposits including accrued interest income are legally protected by the Maltese Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  Please note: This protection relates to a customer's entire deposits with a bank. This is especially relevant if you have other funds deposited with the bank outside of what you plan to deposit via Raisin Bank.

Depositor Compensation Scheme, c/o Malta Financial Services Authority

The Czech Republic is located in the center of Europe and has been a member of the European Union for more than a decade (May 2004), which ensures barrier-free access to the EU market. Measured by their economic strength, both countries are very highly developed industrialized nations and rank among the central economies of Central and Eastern Europe. The Czech Republic's public debt to GDP ratio is among the lowest in the entire EU and lower than that of Germany. The Czech Republic has received investment grade ratings with stable outlooks from each of the major rating agencies. The Czech banking system is considered sound and stable.

Czechia

The standard withholding tax rate on interest in the Czech Republic is 15%, but this can be reduced to 0% by providing the bank with a certificate of tax residence. As the J&T Banka has informed us, the taxation process in the Czech Republic has changed. The Czech tax authorities now only accept tax documents issued or signed not older than 90 days before the interest payment date.

J&T Banka was established in Prague in 1998 and is one of the largest private banks on the Czech market. The bank is a reliable partner especially for customers with high demands on service and product quality. In addition to complex private banking services, J&T Banka offers special financing for real estate and corporate acquisitions as well as securities transactions for private investors.

J&T Banka

Deposits - including accumulated interest - are guaranteed up to an amount of EUR 100,000 per customer and bank by the Czech deposit guarantee fund. In the case of a payout by the deposit guarantee fund the payout will take place in Czech Koruna (CZN). You can find additional information on the deposit guarantee fund here: https://www.garancnisystem.cz/de. Within the European Union, the minimum requirements for the Deposit Guarantee Scheme of each member state have been harmonized by EU directives 1994/19/EC, 2009/14/EC and 2014/49/EU.  Please note that the deposit coverage refers to the entirety of deposits a customer has with a bank. This is relevant if a customer has not just deposited money with a bank via Raisin but also holds additional deposits with the bank.

Czech Republic Deposit Insurance Fund

Since 2005 Klarna has been on a mission to revolutionize the retail banking industry. With over 150 million global active users and 2 million transactions per day, Klarna is meeting the changing demands of consumers by saving them time and money while helping them be informed and in control. Klarna works with over 500,000+ retailers such as H&M, Spotify, MediaMarkt, Expedia, Adidas and Deutsche Bahn and currently employs over 5,000 people in 45 countries.

Klarna Bank AB

Norway, a thriving Nordic economy, stands out for its robust oil and gas sector, advanced technology, and sustainable practices. Politically stable, it prioritizes social welfare and actively participates in global environmental initiatives. Socially, Norway values egalitarianism, emphasizing education and quality of life. With a strong focus on renewable energy, the nation fosters a conducive environment for green investments and technological innovation. Its transparent governance, coupled with prudent fiscal policies, positions Norway as an attractive hub for responsible investment.

Norway

Today's Morrow Bank is a modern and digital niche bank based in Lysaker, Norway. It was founded in 2014 under the name Komplett Bank and was listed on the main index of the Oslo Stock Exchange in 2017. 
 
Operational efficiency and low costs are the foundations for the bank and are enabled by centralized operations, modern systems and a digital setup. Morrow Bank's offerings include consumer loans, credit cards and purchase financing for consumers in Norway, Sweden and Finland. In addition, Morrow Bank systematically tackles financial crime, promotes equality and diversity, and helps its customers take responsibility for their own financial situation.

Morrow Bank ASA

Deposits with Morrow Bank, including interest, are legally protected by the Norweigan Deposit Guarantee Fund up to an amount of EUR 100,000 for customers outside Norway. This amount also includes possible deposits and/or savings accounts held outside Raisin Bank. This protection covers the deposits of all natural persons, not only Norweigan citizens. In the event of an intervention by the Norweigan DGS, the payment shall be made in Euro to your Raisin Bank Account.  In this case, the exchange rate applied will be the one valid at the time of the bank's administrative settlement process.  Within the European Union, the minimum requirements for these guarantee funds, for each member state, have been harmonised by EU Directive 2014/49/EU.

The Norwegian Banks' Guarantee Fund

Nordax Bank is a Swedish financial institution that specializes in consumer banking services across Northern Europe. Founded in 2003, Nordax primarily focuses on providing loans and savings products to cusotmers across Scandavia and Germany. The bank prioritises simplicity, efficiency, and customer-centric solutions in its operations. Nordax offers various loan products, including personal loans, refinancing options, and credit cards, tailored to meet the diverse needs of its clientele. With a commitment to responsible lending practices, Nordax prioritizes transparency and fair terms for borrowers. The bank's online platform facilitates easy access to financial services, allowing customers to manage their accounts conveniently. Nordax Bank's growth and reputation stem from its dedication to delivering reliable banking solutions while maintaining a strong emphasis on customer satisfaction and financial stability in the dynamic European market.

Nordax Bank AB publ

Northmill is a neobank founded in 2006 with a vision to improve financial lives. We believe that the financial industry should be more about customer experience and personalization and less about how a bank should operate by traditional standards. We know that the next generation banking experience will be co-designed with customers - you.

Northmill Bank AB

The Slovak Republic is a state in Central Europe and has been a member of the European Union and NATO since 2004. Since 2007 the euro has been the national currency. The national debt in 2015 was 53% of the gross domestic product, a lower level than in Germany. The EU forecasts for the economic outlook in the Slovak Republic are positive and the country has been awarded an investment grade rating by leading rating agencies as a country with stable prospects.

Slovakia

In principle, a withholding tax of 19% is levied on in interest in Slovakia, but this can be reduced to 0%. To reduce the withholding tax, a certificate of tax residence must be submitted no later than five days before the first interest payment and for each additional calendar year thereafter.

Founded in 2005, Privatbanka in Bratislava, Slovak Republic, was the first bank in Slovakia to specialize in private banking services, individual investment strategies and tailor-made investment solutions for wealthy clients. The bank has also expanded its activities to other areas, in particular corporate banking and retail banking with fixed-term deposits and corporate bonds.

Privatbanka, a.s.

Deposits - including accrued interest - are guaranteed up to an amount of EUR 100,000 per customer and bank by the Slovak Deposit Guarantee Fund. Within the European Union, the minimum requirements for the deposit guarantee system of individual member states have been harmonized by EU Directives 1994/19/EC, 2009/14/EC and 2014/49/EU.  Please note that deposit coverage refers to the totality of deposits a customer has with a bank. This is relevant if a customer has not only deposited money with a bank through Raisin, but also holds other deposits with the bank.

Slovak Deposit Guarantee Fund

Resurs Bank, a key entity within The Resurs Group and a leading force in retail finance across the Nordic region, is a Swedish financial services company established in 1977. Over the years, Resurs has become a premier partner for sales-driven payment and loyalty solutions in retail and e-commerce. The bank collaborates with over 1,200 retail partners and 35,000 stores, serving approximately 5.7 million private customers across Sweden, Denmark, Norway, and Finland, making it one of the fastest-growing niche banks in the Nordics.

In the private sector, Resurs has broadened its offerings to include savings accounts, insurance policies, consumer loans, and credit cards. The bank obtained its banking licence in 2001 and operates under the supervision of the Swedish Financial Supervisory Authority. Headquartered in Helsingborg, Sweden, Resurs maintains full-service offices in Oslo, Copenhagen, and Helsinki.

Resurs Bank

TF Bank was founded in Borås, Sweden, in 1987 with the aim of offering customers a financing solution when ordering goods by catalogue. Over the years, the Group has grown in terms of its product range, turnover and geographical presence. Today, in addition to Sweden, TF Bank is also active in Finland, Norway, Denmark, Estonia, Poland, Latvia and Germany. In 2016, TF Bank was listed on the Nasdaq Stockholm Stock Exchange and has been a registered Swedish public limited company ever since.

Today, the bank's focus is on personal loan and credit card business as well as financing in the e-commerce sector, among other things. The deposit business is also a mainstay of TF Bank's business model. TF Bank's largest shareholders are TFB Holding AB (47%), the property company Erik Selin Fastigheter AB (9%), Merizole Holding LTD (7%) and Swedbank Robur Fonder (6%). A further 30 % of the shares are in free float.

TF Bank AB (publ)

The French Republic is a democratic central state in Western Europe with overseas islands and territories on different continents.
France is the sixth largest economy in the world and, along with Germany, the most important industrialized country in Europe. The country has been part of the Eurozone since 1999 and France's credit rating is currently rated "AA" by leading rating agencies, which corresponds to an investment grade rating with a stable outlook.

France

In France, no withholding tax is levied on interest income for persons with permanent residence abroad.

Younited Credit SA (“Younited”) is an online banking platform specialised in consumer loan, founded in 2009 and headquartered in Paris, France. The company, operating in Continental Europe, is authorized and regulated as a Credit Institution and Investment Service Provider by the French Central Bank Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) (license number: 16488).
The platform employs a staff of 250, with local offices in Paris, Rome and Barcelona.

In September 2017, Younited has welcome BPI France (the French public bank) as new shareholder, alongside with historical institutional shareholders such as Crédit Mutuel Arkéa (a leading French bank), Eurazeo (multinational investment fund) or AG2R (insurance company). Younited is now regarded as one of the most promising FinTechs in Europe, and plans to continue its international expansion by opening new offices in the coming years.

Younited Credit

In accordance with EU Directive 2014/49/EU on Deposit Guarantee Schemes, your savings - including interest that has accrued but not yet credited - are guaranteed by the French statutory deposit guarantee scheme up to €100,000 per account holder per bank (keep the latter in mind, should you still hold balances with the bank in question outside of Raisin). Repayment is made in euros. The refundable amount will be made available to the account holder within 7 business days from the time the deposit guarantee scheme comes into effect. The guarantee applies to all natural persons, whether resident in France or elsewhere. Manager and executor of the deposit guarantee scheme is the Fonds de Garantie des Dépôts et de Résolution (https://www.garantiedesdepots.fr/en).

French Deposit Insurance and Resolution Fund

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