Raisin Expands Its Investment Offering to the Netherlands

The European savings and investment platform Raisin launches its investment offering in the Netherlands, marking the first international rollout of its digital wealth management outside Germany. The move comes as European policymakers step up efforts to encourage households to shift from cash savings into long-term investments, a key pillar of the EU’s retail investment strategy.

With this expansion, Raisin broadens its Dutch platform from deposits into full-service wealth management, enabling households to invest from as little as €25 with transparent low-cost portfolios. The offering builds on seven years of experience in Germany, where more than one in five Raisin customers already use the company’s investment products. Since 2018, the highest risk portfolio, consisting of only stocks without any bonds, has achieved returns of 9.5 percent per year – well above the set long term goal of 7.4 percent per year.

Across Europe, households hold disproportionately large shares of their wealth in deposits. In the Netherlands, households hold less than one euro in private investments for every three euros in savings. This pattern, mirrored across the EU, has left savers exposed to inflation and missed capital market returns.

Tamaz Georgadze, Raisin CEO and co-founder, said: “Our mission has always been savings and investments without barriers. In the Netherlands, we already connect households with dozens of banks and strong savings products. Now, we are taking the next step: offering investments for the first time outside Germany – with low entry amounts and transparent pricing – so that Dutch savers can access the same opportunities we’ve built at home.”

Unlocking even a one percent higher return on Europe’s household capital, over €32 trillion in 2023, would generate hundreds of billions of euros in added value annually.

Kim Felix Fomm, Raisin’s Chief Investment Officer, added: “Dutch households have some of the highest savings rates in Europe, yet too much of that capital remains in low-yield accounts. Our investment approach is designed to give savers an alternative that is simple, transparent, and cost-effective – fully in line with the EU’s call to strengthen retail participation in capital markets. By combining institutional-grade portfolio design with everyday accessibility, we enable Dutch households to put their savings to work, without sacrificing diversification or long-term security.”

The Netherlands was chosen as the first step in Raisin’s international investment rollout due to its scale and importance for the platform: Dutch households already entrust billions of euros to Raisin through savings products, making it one of the company’s largest markets outside Germany. The investment offering of Raisin is one of the highest ranked by different consumer magazines, among them Finanztip, ranking the digital wealth management one of the top-three offers.