Key Points
- Raisin is offering a up to $1,600 through a quarterly bonus program based on qualifying deposit tiers.
- Bonuses are paid in four quarterly installments, allowing savers to build rewards over time.
- Deposits must be made within 14 days of account opening, maintained for 90 days, and opened with promo code GIFT between Dec. 1–31, 2025.
A new year-end savings promotion from Raisin is offering one of the more unusual incentives in today’s banking market: a tiered cash bonus paid out not once, but quarterly.
The offer, available to new customers across all account types, and gives a chance to earn between $60 and $1,600 depending on how much you deposit and maintain in your account. This is one of the highest bank bonus offers available right now.
To qualify, customers must open an account with the promo code GIFT between December 1 and December 31, 2025, deposit funds within 14 days, and maintain their qualifying balance for 90 days.
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How The Bonus Offer Works
The Raisin bonus offer includes five deposit tiers, each linked to a quarterly payment amount. Customers earn four installments over the course of the year, as long as they keep qualifying funds in the account.
They are offing the following tiered bonus, paid in quarterly installments:
- Deposit $10,000: $15 Quarterly Bonus, $60 Total Potential Bonus
- Deposit $25,000: $38 Quarterly Bonus, $150 Total Potential Bonus
- Deposit $50,000: $75 Quarterly Bonus, $300 Total Potential Bonus
- Deposit $100,000: $150 Quarterly Bonus, $600 Total Potential Bonus
- Deposit $250,000: $400 Quarterly Bonus, $1,600 Total Potential Bonus
You can also add more funds anytime before the next bonus deadline to move up a tier and earn even 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 11:59 PM. Customers must input the code `GIFT` at the time of sign-up to qualify. Funds must be deposited within 14 days and maintained for 90 days.
Why This Is Awesome For Savers
For many families, the biggest draw of the Raisin offer is how it supplements existing interest earnings. A household maintaining $50,000, for example, could collect $300 in bonus payouts across the year in addition to any account interest. Those who hold $250,000 would earn $1,600, a payout size typically reserved for business accounts or limited-time targeted promotions.
And remember, this is on top of the interest! With several options earning over 4% annual percentage yield (APY), you can add serious savings!
The option to add funds before the next bonus deadline also gives customers time to adjust their savings strategy. If a household expects a tax refund, year-end bonus, or maturing CD early in 2026, the additional funds could move them into a higher reward tier.
Key Takeaways
Make sure you enroll in this bonus offer in December 2025! Here's what to do:
- Open the account with promo code GIFT between Dec. 1–31, 2025.
- Deposit funds within 14 days and keep them in place for 90 days to receive quarterly payouts.
- Customers can increase their balance before future deadlines to qualify for higher tiers.
Open an account at Raisin here >>
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Robert Farrington is the founder of The College Investor and is widely recognized as one of the nation’s leading voices on student loan debt and saving for college. He holds an MBA from UC San Diego Rady School of Management and has spent over 15 years researching, writing, and advising on student loans, 529 plans, financial aid programs, and saving and investing for young professionals.
Robert has been featured in the The New York Times, The Wall Street Journal, The Washington Post, NBC News, and Forbes, where he has been a regular personal finance contributor for over a decade. His work combines both professional expertise and personal experience – he successfully navigated his own student loan repayment journey and has helped thousands of readers do the same.
He is committed to making the intersection of personal finance and education transparent and accessible. You can learn more about Robert on the About Page or on his personal site RobertFarrington.com.