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德国数字银行N26与Raisin合作推出账户办理业务

近日,德国数字银行N26宣布与在线储蓄平台Raisin达成合作,将推出新型账户办理业务。新功能推出后,用户只需几分钟就可以完成账户办理业务。

不过Raisin并不是自己提供储蓄利息,而是与欧元区的银行等金融机构合作。同时,N26还上线了账户资产管理服务,代替用户办理过程中所需的一切手续和文件。N26表示,用户每年可望达到1.5%的利息。不过,该项服务目前只针对德国用户。

成立于2013年,N26共在8个欧洲国家设立了办公室,累计雇员总数超过20万。N26曾先后获得Peter Thiel,Battery Ventures和李嘉诚旗下维港投资等多家著名机构投资。而在去年5月结束的B轮投资中,N26更是成功斩获了4000万美元。

目前,N26向用户提供一系列低价高值的服务,比如实时信用分数、费用支出、Cash26(零售商现金服务)、MoneyBeam(通过社交信息软件或电子邮件进行快速转账)等等。

上个月,N26曾宣布将面向自由职业者以及个体经营者提供企业账户业务。

N26 is launching yet another feature to build a modern retail bank for European customers. This time, the company is partnering with Raisin, a German startup also known as WeltSparen. In just a few taps, you’ll be able to open a savings account for money you don’t need.

Raisin doesn’t build savings accounts itself. Instead, the company is partnering with financial institutions across the Eurozone to find the best rates for you. So you can say that you have €10,000 and that you’re willing to save for a couple of years. Raisin could find a bank in Portugal or Austria so that you get the best rates possible.

But Raisin also opens the account for you so that you don’t have to deal with all the paperwork. Rates depend on your initial deposit and the chosen term. N26 says that you can expect up to 1.5 percent interest per year.

All your deposits are guaranteed up to €100,000 per bank by the National Deposit Guarantee Scheme as part of the European Union.

N26 is only launching this feature in Germany for now, but Raisin accepts customers from other countries. So you can expect to see this feature in other countries later this year. Similarly, if you don’t want to have your money stuck on a savings account, N26 will launch overnight savings later this year.


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