{"id":94537,"date":"2025-10-30T09:50:55","date_gmt":"2025-10-30T08:50:55","guid":{"rendered":"https:\/\/ru.law\/?p=94537"},"modified":"2026-04-08T10:08:51","modified_gmt":"2026-04-08T08:08:51","slug":"warnung-vor-festgeldbetrug-mit-raisin-logo-anlagenbetrug-auf-raisin-festgeld-com-und-raisin-finance-eu","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/warnung-vor-festgeldbetrug-mit-raisin-logo-anlagenbetrug-auf-raisin-festgeld-com-und-raisin-finance-eu\/","title":{"rendered":"Warning about fixed-term deposit fraud using the Raisin logo \u2013 investment fraud on raisin-festgeld.com and raisin-finance.eu"},"content":{"rendered":"

There is currently an increase in cases of fixed-term deposit fraud involving fraudulent websites using the Raisin logo. The domains raisin-festgeld.com and raisin-finance.eu are particularly affected. These sites present themselves as partners or subsidiaries of the well-known platform. Raisin (World Savings)<\/em> However, this does not correspond to reality.<\/p>\n\n\n\n

The perpetrators use deceptively realistic websites, documents, and emails to gain trust. Investors are urged to transfer large sums of money to foreign accounts, usually under the pretense of attractive interest rates and bonus offers.<\/p>\n\n\n\n

Method of the fraudsters<\/h3>\n\n\n\n

The fraudulent providers imitate the design, correspondence, and processes of legitimate financial portals. They often send out official-looking application forms requesting copies of identity documents and bank details. After the supposed "account opening," they then demand payment of the investment amount via bank transfer \u2013 often to an account at well-known European banks such as Barclays, Revolut, or Santander.<\/p>\n\n\n\n

In many cases, the account does exist, but it does not belong to Raisin or any institution affiliated with Raisin. After the transfer, contact usually disappears completely, and the invested money is lost. This is a professionally organized fixed-deposit fraud disguised through identity theft and forged communication.<\/p>\n\n\n\n

Protection through IBAN name matching<\/h3>\n\n\n\n

Since October 9, 2025, all banks have been required to verify, before processing a transfer, that the recipient's name matches the name associated with the IBAN. This so-called IBAN name check is designed to prevent funds from being transferred to the wrong accounts. Consumers now receive the result of this check before authorizing a payment and can decide for themselves whether to proceed with the transaction.<\/p>\n\n\n\n

This measure makes fraud more difficult, but it does not replace your own vigilance. The following still applies: Thoroughly vetting the provider is the best protection against dubious fixed-term deposit offers and fraudulent intermediaries. Anyone who wants to invest their money safely should always check whether the advertised fixed-term deposit is actually offered through a licensed bank.<\/p>\n\n\n\n

Unsolicited advertising and identity theft<\/h3>\n\n\n\n

It is striking that many victims were initially made aware of the fake offers via social networks such as WhatsApp, Instagram, or online comparison portals. Such targeted customer outreach is illegal without authorization from the German Federal Financial Supervisory Authority (BaFin). Furthermore, this constitutes a clear case of identity theft, as the name, logo, and address of a well-known platform are being misused.<\/p>\n\n\n\n

Recommendations for action for those affected<\/h3>\n\n\n\n

Anyone who has fallen victim to such an investment scam should act immediately. The faster the reaction, the higher the chance of stopping or reversing payments.<\/p>\n\n\n\n

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  1. Stop payment immediately
    <\/strong>If the transfer has not yet been finalized, a transfer recall should be initiated immediately with your bank.
    <\/li>\n\n\n\n
  2. Secure evidence
    <\/strong>All emails, chat histories, screenshots, and bank statements should be saved. These documents are crucial for potential investigations and chargeback attempts.
    <\/li>\n\n\n\n
  3. Banks provide information
    <\/strong>Both the bank where the recipient bank is located and the recipient bank (e.g., Barclays, Santander, Revolut) should be informed in writing about the suspected fraud.
    <\/li>\n\n\n\n
  4. File a criminal complaint
    <\/strong>A report of fraud and identity theft should be filed with the police or public prosecutor's office. The documents can also be submitted to BaFin and the Federal Criminal Police Office.<\/li>\n<\/ol>\n\n\n\n

    <\/p>\n\n\n\n

    Bank liability as a possible option<\/h3>\n\n\n\n

    Even though the perpetrators often operate from abroad, banks can be held liable under certain circumstances. Payments to suspicious or unusual accounts trigger due diligence obligations under the Money Laundering Act (GwG). If these obligations are not adequately fulfilled, banks or payment service providers can be held liable.<\/p>\n\n\n\n

    Legal claims may arise in particular from:<\/p>\n\n\n\n