Younited Credit

Best offers of Younited Credit from France

2 years | EUR
  • Available for deposits starting from EUR 2,000

All Term Deposit offers from Younited Credit

Interest rate Term Currency
3.30 % AER
1 year EUR
2.75 % AER
2 years EUR
2.55 % AER
3 years EUR
2.35 % AER
4 years EUR
2.15 % AER
5 years EUR

About Younited Credit

Younited Credit S.A. is an online credit banking platform founded in 2009 by an experienced team of young bankers in Paris. Today the platform is the leading platform for online credit institutions in France.

The aim is for borrowers to obtain a loan faster, easier and cheaper than in the traditional banking system. Similar to the principle of the credit marketplaces known in Germany, the platform brings borrowers and lenders together in an uncomplicated and simple way. The capital procurement for the credit business takes place, as usual with banks, to a part over the deposit business within the range time deposits. The counter-financing is not only provided by the bank itself, but also by a community of professional investors (private individuals, companies, insurers, foundations, pension funds, etc.) who are willing to lend money to borrowers via the Younited Credit platform.

The business is not only successful in France; Younited Credit is also active in Spain and Italy, granting loans and offering fixed-term deposits at attractive conditions.


Rating and financial standing

Younited Credit has not yet received its own rating from the major rating agencies Moody’s, S&P and Fitch. However, banks are not obliged to do so either.

In January 2019, Younited reached the milestone of 1 billion in loans granted, much faster than its competitors Zopa from Great Britain and Auxmoney from Germany. The credit volume is not only generated in France, but also to 40 % outside the home market in Germany, Austria, Italy, Spain and Portugal.


S&P Country rating: AA (As of date April 2, 2021)

Offer details

Effective rate
2.75 % AER
Nominal rate
2.75 % AER
2 years
At maturity
Interest payout
At maturity
Interest taxation
At maturity
Compound interest
Min/Max investment amount
2,000 – 100,000  EUR
  • Prolongation is only possible 28 to 5 days before termination
  • 100% online
  • Prolongation Possible
  • Interest payout possible
Withholding tax
There is no withholding tax in France.
Additional documents
A scan or copy of a valid ID document is required - either an ID card (front- and back) or a Passport (the page with photo and signature) with a valid Proof of Address (no older than 3 months).

Security and deposit guarantee

Deposits at Younited Credit, including the interest accrued but not yet paid, are legally protected by the French Deposit Guarantee Scheme (Fonds de Garantie des Dépôts et de Résolution) up to a maximum amount of €100,000 per depositor and bank. This protection extends to all natural persons, not just French citizens. You can find more information about the French Deposit Guarantee Scheme on its dedicated website.

This protection relates to a customer’s entire portfolio of deposits and accounts with a bank. This is of particular importance to customers who have further deposits or accounts with Younited Credit beyond those taken out through Raisin Bank.

In all EU member states, the minimum requirements for all national deposit guarantee schemes are harmonised by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.

Tax process and documents

A scan or copy of a valid ID document is required - either an ID card (front- and back) or a Passport (the page with photo and signature) with a valid Proof of Address (no older than 3 months).