Frequently asked questions

General information

The Raisin UK savings marketplace has been designed to help you save time and make money. We enable you to easily apply for and manage a variety of attractive savings products from a range of partner banks with the convenience of one single login.

All you need to do to take advantage of our marketplace is log in with your username and password, find the savings product you want, click apply, pledge how much you want to deposit and fund your Raisin UK Account. We take care of the rest, meaning that once you’ve registered, you won’t have to deal with the hassle of filling out another application form every time you want to apply for a savings product.

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When you register with us, we provide you with one single login that enables you to apply for multiple savings products by filling out one application form. All you need to do once you’ve successfully registered with us is apply for a savings product, pledge an amount and fund your Raisin UK Account with the amount that you pledged. We’ll take care of the rest.

Your Raisin UK Account is home to our marketplace, as well as a lot of helpful features. It enables you to quickly check how savings products you’ve applied for and funded through our marketplace are doing, as well as view any applicable terms and how much interest or profit you have accrued.

We’ve implemented real-time electronic anti-money laundering and know your customer (AML/KYC) identity tools to verify who you are. These checks are carried out when you successfully register with us, but they may also be carried out by our partners when applying for a savings product.

Read more about how Raisin UK works.

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Starling Bank powers the Raisin UK Account, which provides you with a way of quickly and easily funding savings products through our marketplace. Simply transfer your money from your nominated bank account into your Raisin UK Account, and it will be used to fund the savings products that you’ve applied for as soon as you have deposited enough to cover the amount that you pledged.

Read more about how the Raisin UK Account works.

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By embracing open banking in the UK, challenger banks can make their financial services available to UK savers, reducing the risk that consumers will suffer from anti-competitive behaviour from established banks.

As part of the open banking revolution, foreign banks could be in a better position to offer savings products with competitive interest and expected profit rates to UK savers. At Raisin UK; we want to empower you to quickly and securely apply for and manage savings products, safe in the knowledge that your capital is protected, regardless of where a bank was founded.

We recommend checking the product description of each savings product we list, but as with many high street banks, you’ll see that all of the savings products in our marketplace are protected by the Financial Services Compensation Scheme (FSCS) or their European country equivalent.

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Yes, upon successful registration you’ll have access to your Raisin UK Account where you can view the savings products that you’ve applied for and funded through our marketplace. From your Raisin UK Account, you’ll also be able to view your transaction history, download statements and apply for savings products.

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Yes, you can change your nominated account at any time.

When changing your nominated account, you’ll need the following information:

  • The email address you used to register with us
  • Your existing (old) bank details
  • Your new bank details
  • An original copy of a bank statement that matches the new account.

To change your nominated account, please log into your Raisin UK Account and click “My account” on the header menu. Under the heading “Change nominated account”, you’ll see an option to download and complete our change of bank details form. Once you’ve downloaded and completed the form, you’ll need to post it to the following address, along with the information referenced above to support your change of account:

Customer Services Team
Raisin UK
64 Bridge Street
Manchester
M3 3BN

Please note that any evidence you send to us needs to be original, meaning that we are unable to accept any copies. Once we have received and checked your evidence, we will return it to you.

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You can only close your Raisin UK Account when all of your fixed term deposits have matured. You’ll have the option to renew or withdraw funds once their maturity date approaches. Please be aware that for regulatory reasons, your information may still be stored after your account has been closed.

To close your Raisin UK Account, please contact our Customer Services Team.

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You can update your details by logging into your Raisin UK Account and clicking on “My account” and then “My profile”. Please be aware that you will be unable to make immediate changes to your name, address or nominated account, as additional information and supporting evidence will be required, all details about which you will find when logged into your account.

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If you forget your password, please contact our Customer Services Team. They will send you an email which will include a link to reset your Raisin UK Account password.

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A nominated account is your personal UK bank or building society account that you advise us that you want to use to transfer funds into your Raisin UK Account. You can use any personal UK bank or building society account in your name that we can verify as your nominated account.

You can only have one nominated account, and this is the only account that your money can be withdrawn from to fund your Raisin UK Account or transferred to from your Raisin UK Account.

You can change your nominated account via your Raisin UK Account, provided that you do so at least seven calendar days before the maturity date of any fixed term deposit savings products that you have opened.

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Meteor Asset Management is a third party administrative service provider which enable us to provide you with the ability to purchase savings products offered by specific partner banks through the Raisin UK savings marketplace.

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While Starling Bank moves funds for some of our partner banks, for others, Meteor Asset Management acts as our deposit administrator, holding your funds in what is known as a “bare trust” arrangement. Their role is to transfer your deposits between your Raisin UK Account and a partner bank’s account. This process takes place when you fund a savings product and when your deposits are returned to you upon maturity, along with any interest or profit you have accrued. While providing this service, Meteor Asset Management has no claim to your funds and administers them on your behalf.

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Any tax payable is covered in the product information of every savings product in our marketplace.

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The HM Revenue & Customs (HMRC) website has information about how to pay any owed tax, as well as advice on the Personal Savings Allowance and whether you will need to pay tax on the interest that you receive.

Please be aware that if you want to apply for a savings product offered by a partner bank based outside of the country where you reside, different taxation rules may apply.

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No, we won’t charge you any fees for using the Raisin UK savings marketplace, meaning that you don’t have to worry about any additional costs when you apply, fund or manage your savings products.

We earn money by introducing savings depositors to our partner banks, but unlike some comparison websites, the amount that we receive depends on how much you deposit and the duration of your savings product, rather than the volume of savers that we introduce. Because of this, it’s important to us that you can conveniently apply for the savings product that’s right for you.

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Application information

Yes, although please be aware that the maximum protection of £85,000 provided by the Financial Services Compensation Scheme (FSCS) is limited to individual savers as well as to the banking group where an account is held.

Protection schemes may differ for savings products offered by partner banks based outside of the UK, and we will provide details of such schemes in the product summary of each savings product in our marketplace.

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No, we only accept applications online through our website. However, you may contact us by phone or by writing to us.

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Once you’ve registered with us, you can purchase any of the savings products on the Raisin UK savings marketplace by logging into your Raisin UK Account. We only accept applications online.

To apply after you’ve registered with us, all you need to do is to log into your Raisin UK Account and find the savings product that you want to apply for. Then click apply, pledge the amount that you want to deposit and transfer that amount to your Raisin UK Account. When the amount that you pledge is available in your Raisin UK Account, your application will automatically be sent to the partner bank for approval.

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Depending on the issue with the application form, there are a few possible solutions:

  • Check that you’ve entered your details correctly, ensuring there aren’t any typos, as these may cause errors that prevent your application form from being successfully submitted.
  • If errors such as a mismatched email address or an incorrect national insurance number are present, they’ll be highlighted in red on the application form, along with an error message explaining the issue. Please review and address any red error messages and resubmit the application form.
  • Make sure that the page containing the application form has fully loaded and that the formatting of the page looks right and isn’t missing any elements. If something doesn’t seem right, try reloading the page.
  • If this doesn’t help, please update your web browser to the current version. Older versions of browsers may have security issues, so it’s always advisable to use the latest version.
  • If you’ve corrected an error but are still encountering problems, try starting an entirely new application.
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If you’ve yet to fund a savings product, you can either cancel your application in your Raisin UK Account or wait until the funding window detailed in the product description elapses. Please be aware that if you choose to wait until the funding window elapses and transfer funds that meet or exceed the amount that you pledged into your Raisin UK Account in the interim, your funds will be used to complete your application.

If you’ve already funded a savings product through our marketplace, then we cannot cancel your application unless there are exceptional circumstances, as explained in our terms and conditions. Once your deposits have matured, your funds and any interest or profit that you have accrued will be transferred to your Raisin UK Account, from which they can be returned to your nominated account.

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If your application is successful; you will receive on-screen instructions and an email that will advise you what you need to do next.

If your application is unsuccessful; we will advise you, but due to regulations, we will be unable to disclose the reasons as to why your application was not accepted.

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If you’re sure that your confirmation email hasn’t arrived, please contact our Customer Services Team by email or by calling between 8:30 am and 4:30 pm Monday to Friday, excluding Bank Holidays.

By email:
service@raisin.co.uk
We aim to respond within three business days.

By Phone:
0161 601 0000
Monday to Friday (excl. Bank Holidays)
8:30 am to 4:30 pm

Calls will be charged at local rates from most UK phones

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It’s not unusual to receive a request for further information after your initial application, and we may sometimes require additional information to help us to validate your identity.

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We will update the look of our website from time-to-time, however, if this isn’t the issue, check that the page you’re visiting has fully loaded and if it hasn’t, reload the page to see if that helps.

You may find that you’re using an older version of your web browser. It’s advisable to keep your web browser updated, as outdated browser versions may cause security issues.

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No, we currently do not offer this option.

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Eligibility

Savings products in our marketplace are only available to individuals who meet all of the following eligibility requirements:

  • Registered UK resident
  • Aged 18 years or over
  • Have a UK bank account (your nominated account) that accepts electronic transfers
  • Have a National Insurance number or UK Tax ID number
  • Have a valid email address
  • Have a valid UK mobile phone number.

Savings products in our marketplace are not available to businesses.

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Funding your savings product

Yes, you can do this in your Raisin UK Account. However, once you have funded a savings product, you cannot change the amount that you pledged. You can, however, apply for an additional savings product from our marketplace and deposit your funds there.

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Not directly. To fund a savings product through our marketplace, you need to transfer your deposits to your Raisin UK Account from your nominated account.

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After applying for a savings product, please ensure that there is enough in your Raisin UK Account to cover the amount that you pledged. You can only transfer funds to your Raisin UK Account via electronic transfer, such as BACS, CHAPS or Faster Payments, from a nominated UK bank account held in your name.

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You cannot fund a savings product with cash or cheques. You can only fund a savings product by transferring funds from your nominated UK bank account via electronic transfer, such as BACS, CHAPS or Faster Payments, to your Raisin UK Account.

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Once your funds have been received, they will show as available in your Raisin UK Account. Depending on how your funds are transferred (BACS, CHAPS or Faster Payments), it can take up to two business days for them to appear in our accounts.

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Yes, you can transfer multiple deposits to your Raisin UK Account from your nominated account. Your application will not be sent to the partner bank until you have transferred sufficient funds, so please ensure that you do so before the funding window detailed in the product description elapses.

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Your Raisin UK Account, and subsequent savings products on our marketplace, can only be funded by transfers in pounds sterling (GBP).

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The funding window (the time you have to fund a savings product) is explained in the product description of every savings product in our marketplace. Please allow enough time for transferred deposits to clear your Raisin UK Account before the funding window elapses.

Any deposits received after the funding window elapses will remain in your Raisin UK Account until you decide what you would like to do with them.

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Once you have transferred funds to your Raisin UK Account, it can take up to 2 business days for them to become visible in your Raisin UK Account.

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Interest or profit

Depending on the savings product that you apply for, you’ll receive interest or profit annually or upon maturity.

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Once your application has been approved and you have funded a fixed term deposit, the interest or profit rate will remain the same until maturity. If you have yet to complete your fixed term deposit application, the interest or profit rate may change.

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Yes, on maturity if you chose not to renew your product, any interest or profit you have accrued will be automatically paid into your Raisin UK Account, giving you the option to fund another savings product.

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Statements

You can view the status for all of your savings products at any time, by logging into your Raisin UK Account. We’ll send you a secure message and email when your online statements are available to view in your Raisin UK Account, where you can manage the savings products that you’ve applied for at any time.

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Identity verification

Your identity is verified by comparing the information that you provide against the information held by various databases, taking into account your credit data and the UK national electoral register. Your identity is verified when you register for your Raisin UK Account, and again each time you apply for a savings product.

You may need to provide additional identification, such as a scan of your passport when applying for some savings products.

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Making withdrawals

Fixed term deposit savings products from our partner banks do not allow for the withdrawal of funds during the term of the deposit. There are exceptional circumstances under which the early closure of your fixed term deposit may be approved (please read the terms and conditions relevant to your savings product for further guidance). If you meet the criteria to close your fixed term deposit before maturity and wish to do so, please contact our Customer Services Team by email or by calling between 8:30 am and 4:30 pm Monday to Friday, excluding Bank Holidays.

By email:
service@raisin.co.uk
We aim to respond within three business days
By Phone:
0161 601 0000
Monday to Friday (excl. Bank Holidays)
8:30 am to 4:30 pm
Calls will be charged at local rates from most UK phones

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Yes, you can deposit into and withdraw funds from your Raisin UK Account at your convenience, but please be aware that you can only withdraw up to £250,000 a day.

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Bonus information

To claim your welcome bonus, all you need to do is ensure that you meet the eligibility requirements laid out below and send an email from the email address you registered with. Please include your full name and the welcome bonus amount that you’re eligible to claim in the message, and “Welcome bonus” in the subject line to bonus@raisin.co.uk, within six months of funding your first savings product at Raisin UK.

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You can only claim a welcome bonus for the first savings product that you successfully fund. The savings product that you apply for needs to have a term of at least six months and you need to have deposited a minimum amount of £10,000 (for our bonus amounts, please see ‘Which welcome bonus can I claim?’ below). If you cancel your savings product or withdraw funds within the first six months, you will no longer be eligible for a welcome bonus.

Please be aware that this bonus is not paid automatically and needs to be claimed by sending an email to bonus@raisin.co.uk within six months of funding your first savings product at Raisin UK.

A maximum of one welcome bonus can be claimed per person.

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If you meet our eligibility criteria, we will credit your welcome bonus to your Raisin UK Account within 14 days of your claim being approved.

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Yes, to be eligible for a Raisin UK welcome bonus, you need to deposit between £10,000 and £85,000. How much your bonus will be, depends on how much you deposit, with more substantial deposits receiving a more significant bonus. Deposits of less than £10,000 do not qualify for our welcome bonus.

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Which bonus you can claim depends on how much you deposit into a fixed term deposit through the Raisin UK savings marketplace:

  • Deposit between £10,000 and £39,999 to claim a £25 bonus
  • Deposit between £40,000 and £74,999 to claim a £80 bonus
  • Deposit between £75,000 and £85,000 to claim a £100 bonus
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No, the Raisin UK welcome bonus is only available to those who fund a savings product through our marketplace for the first time.

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No, you must send your welcome bonus claim from the email address that you registered with. If you make a welcome bonus claim from an email address other than the one that you registered with, your claim will not be processed.

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Our refer a friend bonus gives you a way to easily recommend Raisin UK to your friends, colleagues and family members. While you can recommend Raisin UK any way that you please, by taking advantage of our refer a friend bonus scheme, both you and your friend may be entitled to a £50 cash bonus each.

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To be eligible for a refer a friend bonus, all that you need to do is log into your Raisin UK Account, navigating to the refer a friend bonus page. Once there, you’ll be given the opportunity to recommend Raisin UK to individuals of your choosing.

For every one of your friends who registers with us for the first time who also funds their first savings product with £5,000 or more with a product with a duration of six months or more, you’ll both receive a cash bonus of £50 deposited into your respective Raisin UK Account’s.

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You can claim the refer a friend bonus as many times as you like. There is no limit to how many times you can claim your £50 refer a friend bonus while the offer is available.

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As long as the referral is completed through your Raisin UK Account, no claim is necessary. Your refer a friend bonus will be automatically paid once all the eligibility requirements are fulfilled.

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No, claiming a refer a friend bonus does not prevent you from claiming another bonus offer at Raisin UK.

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Both the individual who recommends us and the one being recommended Raisin UK will receive £50 deposited into their respective Raisin UK Account’s 14 days after all the requirements are fulfilled.

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Yes, until the 2nd August 2018 we offered our customers a flat £50 launch bonus, the window to claim our launch bonus has now closed. From the 2nd August until the 18th November 2018, we offered a tiered Raisin bonus which was based on how much you deposited, these tiers were:

• £20 bonus for depositing between £10,000 and £19,999
• £40 bonus for depositing between £20,000 and £39,999
• £80 bonus for depositing between £40,000 and £85,000

You may still claim this tiered bonus if you are eligible to. If you successfully funded a savings product before 18th November that meets the criteria above, you have 30 days to claim this bonus.

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We’re offering you a welcome bonus as our way of saying thank you for choosing Raisin UK, which means that we, not our partner banks, pay your welcome bonus. Subsequently, you can only claim a welcome bonus by funding a new savings product through raisin.co.uk.

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There’s no set time limit on how long the Raisin UK welcome bonus will be available for. We reserve the right to withdraw this bonus at any time, as well as introduce other bonuses at our discretion.

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Starling Bank

Starling Bank is a new generation digital, mobile-only bank based in the UK. Headquartered in London, Starling Bank is a fully licensed and regulated bank, founded by former Allied Irish Banks COO, Anne Boden, in January 2014.

As a technology-focused business with a banking licence, Starling Bank built what is known as a full-stack bank, which means that they’ve created many of their systems from scratch. Because of this, they’ve been able to design the banking software that they develop to be resilient, fast and secure.

Starling Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

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Working alongside Raisin UK, Starling Bank will operate as the service bank for our Raisin UK Account, meaning that they will hold and transfer deposits between you, the customer, and our partner banks.

Whether you’ve opted-in as an existing customer or you’re new to Raisin UK, by registering with us you gain access to your personal Raisin UK Account which enables you to fund savings products conveniently.

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Deposits held by Starling Bank are protected by the Financial Services Compensation Scheme (FSCS), which protects eligible deposits up to £85,000, per person, per banking group. In addition to this financial protection, Starling Bank uses advanced data encryption and storing technologies to ensure that your personal information and transactions are sent, received and stored securely.

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Your new Raisin UK Account enables you to quickly and easily fund savings products available in our marketplace, as well as manage and apply for savings products.

Our new look Raisin UK Account has been designed to make it easier to apply for and manage savings products, giving you access to your very own savings marketplace and exclusive offers.

Your Raisin UK Account will provide you with a convenient way to fund savings products from our marketplace; by transferring deposits into your Raisin UK Account, your capital will be available to fund savings products whenever you’re ready to.

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Whether you’re registering with us for the first time or you’re an existing customer who has opted-in for Starling Bank’s services, you automatically have access to your Raisin UK Account powered by Starling Bank.

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Yes, the only way to apply for savings products through our marketplace is to sign up to Starling Bank’s services.

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If you’ve already registered with us and purchased savings products but chose not to sign up to Starling Bank, then you won’t be able to apply for any new savings products through our marketplace. You also won’t have access to our new and improved Raisin UK Account.

Your existing savings products won’t be affected and will mature as stated in the product descriptions, but you won’t be able to renew any savings products that you’ve already purchased without signing up to Starling Bank.

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