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Raisin: Earn More on Cash

Raisin: Earn More on Cash

Savings, CDs, and More

82 ratings
106 reviews
🌟 Lifestyle
💰 Finance
Free

Details

  • Released
  • Updated
  • June 19, 2023
  • August 6, 2026

Features

Developer

Raisin Solutions US LLC
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About

This app helps you grow your savings by connecting you to high-yield accounts and CDs from multiple FDIC-member banks and NCUA-member credit unions. Manage all your deposits, compare rates, and simplify tax reporting from a single, secure dashboard with no added fees or minimums.

✓Discover high-yield savings accounts
✓Compare CD rates
✓Manage multiple accounts from one login
✓Simplified tax document access
✓No fees or minimum deposit requirements
✓FDIC & NCUA insured deposits
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What users say

Summarized from real user reviews of Raisin. Based on 82 reviews and a 2.9/5 average, it highlights the 8 positives and 16 negatives reviewers mention most about this Finance app.

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  • 🎨Outdated and poorly designed interface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

4.10.0

August 6, 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

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
109;38;&&2/!339109;38;&&2/!339

Interest and service

Transfer money instant to cash account, easy transfer to bank account.
Great option APY !!!
danhtk37danhtk37

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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Waseem KhataiWaseem Khatai

Slow, Clunky UI

While the offers are great, the UI of the app itself is clunky, unintuitive, and can time a long time to load.
The Smitty SpecialThe Smitty Special

Easy and trustworthy

I’ve been using Raisin for 5 years now and I haven’t had a problem with any of their services. I’m currently using the high yield savings account and have no problem moving money in or out of it. They offer plenty of options for savings and also offer joint accounts.

Love this app!!!

PS when you’re my age you have to have plenty of baskets for your eggs!!!
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Coach Art HCoach Art H
See 101 more reviews

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 does the Raisin app do?

The Raisin app acts as a savings marketplace, connecting users to high-yield savings accounts and Certificates of Deposit (CDs) from over 75 FDIC-member banks and NCUA-member credit unions. It simplifies the process of finding, opening, and managing multiple savings products from a single, secure platform.

How do I earn more on my cash with Raisin?

You can earn more by discovering and opening high-yield savings accounts and CDs offered through the app. These accounts typically offer more competitive interest rates than traditional savings options. All your deposited funds are held at FDIC or NCUA insured partner institutions, ensuring your money is protected.

Is there a cost to use Raisin?

Creating a Raisin login and managing your deposits is free. The app does not charge any fees for opening or managing accounts, and there are no minimum deposit requirements to start earning interest. You earn interest directly from the chosen bank or credit union.

How is my money protected on Raisin?

All deposits made through Raisin are held at FDIC-member partner banks or NCUA-member credit unions. This means your funds are federally insured up to the standard limits, providing a secure way to grow your savings.

Can I manage multiple savings accounts through Raisin?

Yes, one of the key benefits of Raisin is its ability to allow you to open and manage multiple savings accounts and CDs from a single login. This eliminates the need for multiple logins and paperwork, streamlining your financial management.