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Raisin: Earn More on Cash

Raisin: Earn More on Cash

Savings, CDs, and More

88 ratings
108 reviews
🌟 Lifestyle
💰 Finance
Free

Details

Released
June 19, 2023
Updated
October 29, 2026

Features

Developer

Raisin Solutions US LLC
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Raisin: Earn More on Cash screenshot #1 for iPhone
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Raisin: Earn More on Cash screenshot #3 for iPhone
Raisin: Earn More on Cash screenshot #4 for iPhone
iphone
ipad
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About

This app connects you to high-yield savings accounts and CDs from over 75 banks and credit unions. Manage multiple accounts, track interest, and simplify tax documents through a single, secure login. It offers a marketplace for earning more on your cash with no fees or minimums.

✓Discover exclusive high-yield savings accounts and CDs
✓Compare rates from 75+ FDIC-member banks and NCUA-member credit unions
✓Manage multiple accounts from a single dashboard
✓Simplified tax management with consolidated documents
✓No fees or minimums on deposits
✓Secure login with biometric options
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What users say about Raisin

Reviews of Raisin are mostly negative: the Finance app is rated 2.9/5 from 88 App Store ratings. What users like most: competitive interest rates on savings accounts and CDs, easy comparison and switching between multiple banks. Top complaints: extremely slow money transfer processing (3-7+ business days), poor login experience requiring repeated authentication. Summarized from real user reviews.

Positive things

  • 💰Competitive interest rates on savings accounts and CDs
  • 🛒Easy comparison and switching between multiple banks
  • 👍Simple and straightforward user interface
  • 🔐FDIC-insured partner institutions
  • ⚡Fast interest earnings on deposits
  • 🎯Centralized management of multiple accounts
  • 📱Fingerprint/biometric login capability
  • 💡Innovative platform for savings optimization

Negative things

  • 🐌Extremely slow money transfer processing (3-7+ business days)
  • 🔓Poor login experience requiring repeated authentication
  • 🐛Frequent app crashes and glitches
  • 💸Cash account intermediary delays transfers and captures interest
  • 😤Confusing navigation requiring excessive clicking
  • ⚠️Unresponsive customer service
  • 🔐Security concerns and account lockouts
  • 📉Interest rates drop frequently after initial signup
  • 🚫Inability to cancel transactions
  • ❌Cannot update linked bank accounts easily
  • 🎨Outdated and poorly designed interface
  • 📱App doesn't remember login credentials despite 'Remember Me'
  • 🔄Two-factor authentication required every login
  • 💔Misleading claims about features (e.g., 2FA frequency)
  • 🚨Lack of auto-logout security feature
  • 📊Limited account information visibility in app
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What's New in Raisin

4.16.0

October 29, 2026

We're constantly working to make Raisin better for you. This update includes under-the-hood enhancements and stability improvements to ensure everything runs smoothly. Keep your app updated to ensure you have the latest foundations for upcoming features!

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User reviews

Most RecentHighest RatedLowest Rated

App and company are a joke

What a scam. Do not use this shady company.
Ooaklawnrecords

Can’t even make a profile.

Is there a way to make a profile every time I get to enter the phone number it won’t let me continue. Please help
SSoul-man88

Doesn’t work well

When I click “product terms” nothing loads. Just a blank screen. Can’t exit out either. Most close out app and start over. Really second guessing if I even want to use this company at all
1109;38;&&2/!339

Interest and service

Transfer money instant to cash account, easy transfer to bank account.
Great option APY !!!
Ddanhtk37

Worst experience

Worst banking and even worse app. This app takes you back to 80’s with its features- Raisin is even worse- You can only add 1 external account for money transfer - changing the account is not possible on app - Connect with customer care, they will send you several links to download statement of new account, separate link for old account statement and link to share your license and take selfies - all that to move your own money and takes week - During all that , i couldnt login to my app for week - There may be bad banking experiences but none can match Raisin
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WKWaseem Khatai

Response from developer

Dear Waseem, Thank you for taking the time to share your feedback. We sincerely apologize for the frustration, delay, and inconvenience you experienced during this process. To help protect your security, our system automatically applies temporary restrictions when an account trigger is flagged. In these situations, additional verification such as submitting bank statements and identity documentation is required to ensure the security of your funds and comply with banking security protocols. We are pleased to share that following a thorough review and the completion of these verification steps, your account access has been fully restored as of today. We understand that this process was cumbersome and disrupted your ability to log in and manage your money smoothly. We are actively working on streamlining our account verification and linked-account management processes to reduce friction for our users in the future. If you need any further assistance or run into any additional issues accessing your account, please don't hesitate to reach out to our team directly at support.us@raisin.com.

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User experience

🐞

Reported Bugs

16 issues

Login credentials not saving despite 'Remember Me' checkbox

Bug

2FA authentication required every login despite claims of 7-day intervals

Bug

App crashes and won't load properly after updates

Bug

Password reset functionality broken or overly restrictive

Bug

Account lockouts after multiple login attempts

Bug

Transfer amounts showing incorrectly in cash account

Bug

Money disappearing or getting stuck in cash account

Bug

Pending transaction status not updating

Bug

App freezing on menu navigation

Bug

Unable to access account details from dashboard

Bug

Verification code text messages not received

Bug

App stuck in update loop

Bug

Inconsistent display of available funds

Bug

Typos in app content ('high-yeild', 'penaly')

Bug

App not opening or loading on iOS devices

Bug

Back button requiring multiple clicks to return to home screen

Bug
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Requested Features

15 requests

Auto-transfer/automatic deposit scheduling

Feature

Face ID or biometric login without password entry

Feature

Direct deposit to savings accounts without cash account intermediary

Feature

Faster transfer processing times

Feature

Account nicknames for better organization

Feature

Auto-logout after inactivity

Feature

PIN protection for sensitive information

Feature

Monthly statements via email or mail

Feature

Ability to set up multiple external bank accounts

Feature

Transaction cancellation functionality

Feature

Better account details visibility in app

Feature

Consistent dark mode throughout app

Feature

Automatic weekly investment options

Feature

Real-time transaction notifications

Feature

Improved customer service availability

Feature

FAQ

What is Raisin?

Raisin is a savings marketplace that connects users to high-yield savings accounts and Certificates of Deposit (CDs) from over 75 FDIC-member banks and NCUA-member credit unions. It allows you to manage all your deposits from a single login.

How does Raisin make it easy to earn more on cash?

Raisin aggregates top high-yield offers from multiple banks, eliminating the need to chase rates or manage separate accounts and statements. All deposits are held at FDIC- or NCUA-insured partner institutions.

Are there any fees or minimums to use Raisin?

No, Raisin states there are no fees or minimums to use the platform. Every dollar deposited earns interest from day one.

How secure is Raisin?

Raisin emphasizes security with a single secure login for all accounts and simplified tax management. Deposits are held at federally insured partner institutions, and the app supports biometric login capabilities.

What devices does Raisin support?

Raisin is available on iPhone and iPad devices, as indicated by its platform compatibility.

When was Raisin last updated?

The latest version of Raisin is 4.16.0, which was last updated on October 29, 2026. This indicates a recent and active development cycle.

What is the user sentiment for Raisin?

User reviews indicate a negative overall sentiment, with common complaints including slow money transfers, poor login experiences, frequent app crashes, and unresponsive customer service. Users also report concerns about security and frequently dropping interest rates.

Does Raisin have ads?

Based on the provided data, Raisin does not have advertisements. The app is free to use and does not feature in-app purchases.