Raisin DS

Raisin DS was created in 2021 through the merger of Germany's two leading deposit fintechs: Deposit Solutions, led by Tim Sievers, and Raisin, led by Tamaz Georgadze. The deal combined two complementary business models under shared (co-CEO) management, with Sievers later moving to the company's Advisory Board: on one side, Raisin's B2C marketplace aimed directly at retail savers; on the other, Deposit Solutions' B2B open banking infrastructure, which let banks distribute deposit products through third-party digital channels, expanding their deposit base without building a proprietary distribution network. In the second half of 2025, the group completed a brand repositioning that retired the "Raisin DS" name in favour of a single unified brand, simply "Raisin," across all markets served — including Germany and Austria, where the historic "WeltSparen" brand was fully absorbed into the pan-European brand. This choice reflects the maturation of the group's strategy: after years managing distinct local brands inherited from the 2021 merger, the company opted for a single, recognisable identity able to communicate consistently to both retail savers and partner banks across Europe and the United States. The B2B positioning inherited from Deposit Solutions remains an integral part of the Raisin group's overall offering, continuing to serve as deposit distribution infrastructure for hundreds of partner banking institutions, while the B2C side has continued its international expansion, including the recent entry into the Italian market in March 2026. Raisin DS's story is a case study in how two competing fintechs can merge to build pan-European financial infrastructure stronger than either company could have built alone.