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  • Payment
  • Germany

Raisin Bank enters the payment business in Germany

Raisin Bank, the bank owned by Raisin in Germany, has announced the acquisition of the payment services division of Bankhaus August Lenz & Co. This strategic step allows it to integrate a payment offering and finally enter this market to complement its Banking-as-a-Service offering. This acquisition will also enable it to find new sources of revenue and consolidate its position in Europe.



  • Raisin Bank is the result of the 2019 acquisition of MHB Bank. This operation enabled Raisin to obtain a banking licence, opening the doors to Europe to offer its Banking-as-a-Service platform to numerous fintechs.

  • This acquisition in the field of payments will strengthen its network in Germany and expand its offer, both in electronic payments and in cash management.

  • This new offer will be aimed at retail players: restaurants, petrol stations, distributors and ATM network managers.

  • On the latter point, this acquisition will enable it to manage a network of more than 4,500 ATMs in Germany, with MHB Bank working with Euronet, NoteMachine and Prosegur for example.


  • Diversify and strengthen its position in Germany by acquiring an existing customer base: Raisin Bank is already present in a number of business sectors, such as factoring and fractional payments, and of course savings, its parent company's traditional business. Raisin Bank recently announced a partnership with fintech Mondu, enabling the latter to offer its Buy Now Pay Later service in Europe. The diversification into payments makes Raisin Bank a key player in Banking-as-a-Service and further strengthens Raisin's position in Europe.

  • Enriching its sources of revenue: as payment is a volume market, Raisin Bank finds here a new source of revenue, which consolidates its model.


  • Raisin is now at the head of a powerful group, the result of a strategy of acquisitions (Deposit Solutions and ) and partnerships. It covers both :

    • savings, by acting as an intermediary between European savers and the savings offers of European and American banks,

    • investment, offered in Germany in the form of a robo-advisor, Raisin Invest, and a retirement tool, Raisin Pension,

    • and Banking-as-a-Service in the cloud, via its Raisin Bank offering.