Recommendation

Proceed

Overall Summary

Safe

Why we think so

Raisin.co.uk is an FCA-authorised UK-based platform offering a marketplace to compare and open savings accounts from multiple FSCS-protected banks. It ranks moderately in UK online finance sites, attracting nearly 500,000 monthly visitors mostly from direct and search traffic. The website uses reputable hosting (Amazon AWS), standard web technologies, and maintains verified SSL certificates. Official contact emails and phone numbers are publicly listed. While the service itself is not linked to scams, several user complaints highlight slow withdrawals and poor customer support. FCA warnings exist concerning clone websites impersonating Raisin UK, but the official platform remains regulated and protected under UK financial safeguards.

Confidence Score

83%

Risk Insights

🛡️

Regulated Financial Platform

FCA-authorised service in the UK

Deposits protected under FSCS

Connected to multiple partner banks

⚠️

Customer Service Caution

Withdrawal delays reported by users

Customer support responsiveness varies

Prepare for documentation requirements

❗

Beware of Clone Scams

Unauthorized sites mimic Raisin UK

FCA issues official clone warnings

Always verify FCA status before investing

Contradictory Signals

While the platform is legitimate, service quality issues can impact customer experience.

Signal A: Official reviews confirm safety and regulatory compliance

Signal B: Multiple user complaints about delayed withdrawals and poor support

Category Scores

Identity 85/100

Reputation 80/100

Technical 90/100

Content 75/100

Legal 80/100

Business Validity 85/100

Red Flags & Warnings

Complaints on user forums mention delays in withdrawal and slow customer service response.
Clone scams impersonating Raisin UK have been flagged by the UK FCA, posing risks if mistaken for the official site.

🔎 Detailed Checks & Analysis

Identity Verification

Score: 85/100

Passed

"FCA authorisation confirms regulatory compliance and identity authenticity for raisin.co.uk."

Reason: The website is FCA-authorised and uses verifiable domain registration data.

Reputation Check

Score: 80/100

Passed

"Users report withdrawal delays, but no evidence of direct financial harm from official platform."

Reason: No verified fraud reports; customer complaints mostly concern service delays, not scams.

Technical Configuration

Score: 90/100

Passed

"Technical signals indicate professional hosting and domain management."

Reason: Uses secure SSL with Amazon certificates and trustworthy DNS infrastructure.

Content Examination

Score: 75/100

Passed

"Website clearly states services, financial protection schemes, and user support details."

Reason: Official website content matches business claims and displays credible contact information.

Legal and Business Validity

Score: 80/100

Passed

"Customer disputes relate to service quality; no large-scale litigation identified."

Reason: No public record of legal disputes or regulatory sanctions affecting core operations.

Your Next Steps

1

Verify the FCA authorisation status on the official FCA register before investing.
2

Avoid interacting with similarly named clone websites or unverified contacts claiming to be Raisin UK.
3

If using raisin.co.uk, prepare for possible delays in withdrawal processes and follow up persistently with customer support.
4

Monitor any account activity and report suspicious communications promptly.
5

Consult consumer forums or official complaint channels if service issues arise.

Evidence & Citations

FCA warnings about Raisin UK clone scams
The FCA alerts consumers about unauthorized clone scams using Raisin UK's name. Only the FCA-registered raisin.co.uk platform is legitimate.
Raisin UK customer complaints and service issues discussion on MoneySavingExpert
Users report withdrawal delays and customer service frustrations, but no confirmed loss of principal funds.
WHOIS and SSL certificate data for raisin.co.uk
Domain has current, valid SSL certificate issued by Amazon, with reputable DNS servers and hosting on AWS.
SimilarTech profile for raisin.co.uk
Website is in the Finance category with sizable UK-based traffic and uses recognized technologies.
Official Raisin UK contact information retrieved from main website
Publicly listed contact emails and phone numbers are consistent with a professional financial service.

🕵🏻 Keep investigating

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