- Raisin offers up to $1600 Through a quarterly bonus program based on eligible deposit levels.
- Rewards are paid out in four quarterly instalments, allowing savers to build up rewards over time.
- Deposits must be made within 14 days of account opening, held for 90 days, and opened with promo code GIFT between December 1-31, 2025.
Raisin’s new year-end savings promotion offers one of the most unusual incentives in the banking market today: a tiered cash bonus that is paid not once, but Quarterly.
The offer is available to new customers across all account types, and gives them the opportunity to win between them $60 and $1600 Depending on the amount you deposit and keep in your account. This is one of the highest banking bonus offers currently available.
To qualify, customers must open an account using the promo code gift between December 1 and December 31, 2025deposit funds within 14 days, and maintain their eligible balance for 90 days.
Check out the Raisin bonus offer here >>
How does the bonus offer work?
The Raisin Bonus offer includes five deposit levels, each linked to a quarterly payout amount. Customers receive four installments throughout the year, as long as they keep qualifying funds in the account.
They offer the following tiered bonuses, paid in quarterly installments:
- Deposit $10,000: $15 quarterly bonus, $60 total bonus potential
- $25,000 deposit: $38 quarterly bonus, $150 total bonus potential
- Deposit $50,000: $75 quarterly bonus, $300 total bonus potential
- Deposit $100,000: $150 quarterly bonus, $600 total bonus potential
- Deposit $250,000: $400 quarterly bonus, $1,600 total bonus potential
You can also add more money at any time before the next bonus deadline to move to a higher level and earn more.
This bonus is open to all new customers for all products. The first deposit date must be between December 1, 2025 at 12:00 AM and December 31, 2025 at 11:59 PM. Customers must enter code `GIFT` at the time of registration to qualify. Funds must be deposited within 14 days and held for 90 days.
Why is this great for savers?
For many families, the biggest draw to Raisin’s offering is how it complements existing interest returns. For example, a family holding $50,000 could collect $300 in bonus payments Throughout the year in addition to any interest on the account. Those with $250,000 will win $1600which is the payment size usually reserved for business accounts or targeted promotions for a limited time.
And remember that this is beyond interest! With many options earning over 4% annual yield (APY), you can add up to big savings!
The option to add funds before the next bonus deadline also gives customers time to adjust their savings strategy. If a family expects a tax refund, year-end bonus, or CD due in early 2026, the extra money can move them to a higher bonus level.
Key takeaways
Be sure to sign up for this bonus offer in December 2025! Here’s what to do:
- Open the account with the promo code gift between December 1-31, 2025.
- Deposit money inside 14 days And keep it in place 90 days For quarterly payments.
- Customers can top up their balance before future deadlines to qualify for higher levels.
Open an account with Raisin here >>
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