Raisin Savings Accounts
Raisin is a marketplace connecting Irish savers with high-rate deposit accounts from EU banks. Often offers the best rates, but you must self-declare DIRT on your tax return.
Best Rate
3.1%
2.08% after DIRT
Accounts
161
available
Protection
EU DGS (varies by bank)
Up to €100k
Type
Marketplace
2 account types
Best rates in marketEU bank accessSelf-declare DIRT
Visit RaisinAll Raisin Savings Accounts
Fixed Term
(149 accounts)Starter Account (3 Month)
Best Rate3 monthsMax €100,000
3.1%
2.08% after DIRT
7 Years Fixed
84 monthsMin €1,000Max €100,000
3.05%
2.04% after DIRT
5 Years Fixed
60 monthsMin €1,000Max €100,000
2.85%
1.91% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
2.85%
1.91% after DIRT
7 Years Fixed
84 monthsMin €5,000Max €100,000
2.83%
1.90% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
2.81%
1.88% after DIRT
6 Years Fixed
72 monthsMin €5,000Max €100,000
2.8%
1.88% after DIRT
10 Years Fixed
120 monthsMin €5,000Max €100,000
2.79%
1.87% after DIRT
8 Years Fixed
96 monthsMin €5,000Max €100,000
2.79%
1.87% after DIRT
9 Years Fixed
108 monthsMin €5,000Max €100,000
2.77%
1.86% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.75%
1.84% after DIRT
4 Years Fixed
48 monthsMin €500Max €100,000
2.75%
1.84% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.7%
1.81% after DIRT
5 Years Fixed
60 monthsMin €1,000Max €95,000
2.7%
1.81% after DIRT
3 Years Fixed
36 monthsMin €500Max €100,000
2.68%
1.80% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
2.67%
1.79% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
2.67%
1.79% after DIRT
4 Years Fixed
48 monthsMin €1,000Max €95,000
2.64%
1.77% after DIRT
3 Years Fixed
36 monthsMin €1,000Max €95,000
2.63%
1.76% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
2.6%
1.74% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.6%
1.74% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
2.59%
1.74% after DIRT
2 Years Fixed
24 monthsMin €1,000Max €95,000
2.57%
1.72% after DIRT
18 Month Fixed
18 monthsMin €1,000Max €95,000
2.53%
1.70% after DIRT
1 Year Fixed
12 monthsMax €100,000
2.51%
1.68% after DIRT
30 Month Fixed
30 monthsMin €500Max €100,000
2.51%
1.68% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
2.5%
1.67% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.5%
1.67% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
2.5%
1.67% after DIRT
1 Year Fixed
12 monthsMin €1,000Max €95,000
2.5%
1.67% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
2.5%
1.67% after DIRT
2 Years Fixed
24 monthsMin €2,000Max €100,000
2.48%
1.66% after DIRT
2 Years Fixed
24 monthsMin €500Max €100,000
2.47%
1.65% after DIRT
2 Years Fixed
24 monthsMin €1,000Max €100,000
2.45%
1.64% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
2.45%
1.64% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
2.45%
1.64% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.4%
1.61% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.4%
1.61% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.4%
1.61% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.4%
1.61% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.4%
1.61% after DIRT
18 Month Fixed
18 monthsMin €500Max €100,000
2.39%
1.60% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
2.37%
1.59% after DIRT
9 Month Fixed
9 monthsMax €100,000
2.36%
1.58% after DIRT
6 Month Fixed
6 monthsMin €1,000Max €95,000
2.36%
1.58% after DIRT
9 Month Fixed
9 monthsMin €1,000Max €95,000
2.36%
1.58% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.36%
1.58% after DIRT
4 Years Fixed
48 monthsMin €1,000Max €100,000
2.35%
1.57% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.32%
1.55% after DIRT
6 Month Fixed
6 monthsMax €100,000
2.31%
1.55% after DIRT
18 Month Fixed
18 monthsMin €5,000Max €100,000
2.31%
1.55% after DIRT
4 Years Fixed
48 monthsMin €1,000Max €90,000
2.3%
1.54% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.27%
1.52% after DIRT
2 Years Fixed
24 monthsMax €100,000
2.27%
1.52% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
2.27%
1.52% after DIRT
6 Month Fixed
6 monthsMin €30,000Max €100,000
2.26%
1.51% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
2.25%
1.51% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
2.25%
1.51% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
2.23%
1.49% after DIRT
6 Month Fixed
6 monthsMin €20,000Max €100,000
2.21%
1.48% after DIRT
4 Years Fixed
48 monthsMin €500Max €100,000
2.2%
1.47% after DIRT
5 Years Fixed
60 monthsMin €1,000Max €90,000
2.2%
1.47% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
2.2%
1.47% after DIRT
1 Year Fixed
12 monthsMin €20,000Max €100,000
2.2%
1.47% after DIRT
1 Year Fixed
12 monthsMin €10,000Max €100,000
2.2%
1.47% after DIRT
6 Month Fixed
6 monthsMin €5,000Max €100,000
2.16%
1.45% after DIRT
6 Month Fixed
6 monthsMin €1,000Max €100,000
2.16%
1.45% after DIRT
9 Month Fixed
9 monthsMin €30,000Max €100,000
2.16%
1.45% after DIRT
3 Years Fixed
36 monthsMin €1,000Max €100,000
2.15%
1.44% after DIRT
1 Year Fixed
12 monthsMin €30,000Max €100,000
2.15%
1.44% after DIRT
6 Month Fixed
6 monthsMin €5,000Max €100,000
2.14%
1.43% after DIRT
2 Years Fixed
24 monthsMin €10,000Max €100,000
2.13%
1.43% after DIRT
3 Years Fixed
36 monthsMin €500Max €100,000
2.11%
1.41% after DIRT
6 Month Fixed
6 monthsMin €10,000Max €100,000
2.11%
1.41% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
2.11%
1.41% after DIRT
1 Year Fixed
12 monthsMin €1,000Max €100,000
2.1%
1.41% after DIRT
3 Month Fixed
3 monthsMin €20,000Max €100,000
2.07%
1.39% after DIRT
3 Month Fixed
3 monthsMin €25,000Max €100,000
2.07%
1.39% after DIRT
2 Years Fixed
24 monthsMin €500Max €100,000
2.04%
1.37% after DIRT
6 Month Fixed
6 monthsMin €5,000Max €100,000
2.04%
1.37% after DIRT
1 Year Fixed
12 monthsMin €500Max €100,000
2.02%
1.35% after DIRT
3 Month Fixed
3 monthsMin €1,000Max €95,000
2.02%
1.35% after DIRT
3 Month Fixed
3 monthsMin €10,000Max €100,000
2.02%
1.35% after DIRT
18 Month Fixed
18 monthsMin €2,000Max €100,000
2.01%
1.35% after DIRT
2 Years Fixed
24 monthsMin €1,000Max €90,000
2%
1.34% after DIRT
1 Year Fixed
12 monthsMin €2,000Max €100,000
2%
1.34% after DIRT
2 Years Fixed
24 monthsMin €2,000Max €100,000
2%
1.34% after DIRT
3 Years Fixed
36 monthsMin €2,000Max €100,000
2%
1.34% after DIRT
4 Years Fixed
48 monthsMin €2,000Max €100,000
2%
1.34% after DIRT
5 Years Fixed
60 monthsMin €2,000Max €100,000
2%
1.34% after DIRT
1 Year Fixed
12 monthsMin €2,000Max €100,000
2%
1.34% after DIRT
2 Years Fixed
24 monthsMin €1,000Max €100,000
2%
1.34% after DIRT
3 Years Fixed
36 monthsMax €100,000
1.96%
1.31% after DIRT
3 Month Fixed
3 monthsMin €5,000Max €100,000
1.96%
1.31% after DIRT
9 Month Fixed
9 monthsMin €2,000Max €100,000
1.93%
1.29% after DIRT
18 Month Fixed
18 monthsMin €500Max €100,000
1.92%
1.29% after DIRT
6 Month Fixed
6 monthsMin €2,000Max €100,000
1.91%
1.28% after DIRT
6 Month Fixed
6 monthsMin €1,000Max €100,000
1.91%
1.28% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
1.91%
1.28% after DIRT
1 Year Fixed
12 monthsMin €20,000Max €100,000
1.9%
1.27% after DIRT
1 Year Fixed
12 monthsMin €50,000Max €100,000
1.9%
1.27% after DIRT
9 Month Fixed
9 monthsMin €1,000Max €100,000
1.9%
1.27% after DIRT
9 Month Fixed
9 monthsMin €500Max €100,000
1.84%
1.23% after DIRT
3 Month Fixed
3 monthsMin €20,000Max €100,000
1.81%
1.21% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
1.8%
1.21% after DIRT
3 Month Fixed
3 monthsMin €2,000Max €100,000
1.76%
1.18% after DIRT
6 Month Fixed
6 monthsMin €500Max €100,000
1.71%
1.15% after DIRT
1 Year Fixed
12 monthsMin €20,000Max €100,000
1.67%
1.12% after DIRT
2 Years Fixed
24 monthsMin €20,000Max €100,000
1.67%
1.12% after DIRT
3 Month Fixed
3 monthsMin €500Max €100,000
1.66%
1.11% after DIRT
3 Month Fixed
3 monthsMin €20,000Max €100,000
1.66%
1.11% after DIRT
6 Month Fixed
6 monthsMin €20,000Max €100,000
1.66%
1.11% after DIRT
2 Years Fixed
24 monthsMin €10,000Max €100,000
1.66%
1.11% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
1.66%
1.11% after DIRT
1 Year Fixed
12 monthsMin €20,000Max €100,000
1.65%
1.11% after DIRT
9 Month Fixed
9 monthsMin €20,000Max €100,000
1.65%
1.11% after DIRT
3 Years Fixed
36 monthsMin €10,000Max €100,000
1.65%
1.11% after DIRT
2 Years Fixed
24 monthsMin €20,000Max €100,000
1.64%
1.10% after DIRT
18 Month Fixed
18 monthsMin €20,000Max €100,000
1.64%
1.10% after DIRT
3 Years Fixed
36 monthsMin €20,000Max €100,000
1.62%
1.09% after DIRT
18 Month Fixed
18 monthsMin €10,000Max €100,000
1.62%
1.09% after DIRT
4 Years Fixed
48 monthsMin €20,000Max €100,000
1.61%
1.08% after DIRT
5 Years Fixed
60 monthsMin €20,000Max €100,000
1.6%
1.07% after DIRT
6 Month Fixed
6 monthsMin €20,000Max €100,000
1.58%
1.06% after DIRT
1 Year Fixed
12 monthsMin €10,000Max €100,000
1.57%
1.05% after DIRT
9 Month Fixed
9 monthsMin €10,000Max €100,000
1.57%
1.05% after DIRT
3 Month Fixed
3 monthsMin €10,000Max €100,000
1.53%
1.03% after DIRT
6 Month Fixed
6 monthsMin €10,000Max €100,000
1.53%
1.03% after DIRT
6 Month Fixed
6 monthsMin €20,000Max €100,000
1.51%
1.01% after DIRT
6 Month Fixed
6 monthsMin €1,000Max €90,000
1.51%
1.01% after DIRT
1 Year Fixed
12 monthsMin €5,000Max €100,000
1.5%
1.00% after DIRT
2 Years Fixed
24 monthsMin €5,000Max €100,000
1.49%
1.00% after DIRT
3 Years Fixed
36 monthsMin €5,000Max €100,000
1.48%
0.99% after DIRT
4 Years Fixed
48 monthsMin €5,000Max €100,000
1.47%
0.98% after DIRT
5 Years Fixed
60 monthsMin €5,000Max €100,000
1.46%
0.98% after DIRT
3 Years Fixed
36 monthsMin €20,000Max €100,000
1.42%
0.95% after DIRT
3 Month Fixed
3 monthsMin €5,000Max €100,000
1.41%
0.94% after DIRT
6 Month Fixed
6 monthsMin €5,000Max €100,000
1.4%
0.94% after DIRT
9 Month Fixed
9 monthsMin €5,000Max €100,000
1.4%
0.94% after DIRT
1 Year Fixed
12 monthsMin €1,000Max €90,000
1%
0.67% after DIRT
1 Year Fixed
12 monthsMin €10,000Max €100,000
1%
0.67% after DIRT
18 Month Fixed
18 monthsMin €10,000Max €100,000
1%
0.67% after DIRT
2 Years Fixed
24 monthsMin €10,000Max €100,000
1%
0.67% after DIRT
3 Month Fixed
3 monthsMin €1,000Max €90,000
1%
0.67% after DIRT
30 Month Fixed
30 monthsMin €10,000Max €100,000
0.99%
0.66% after DIRT
3 Years Fixed
36 monthsMin €10,000Max €100,000
0.99%
0.66% after DIRT
4 Years Fixed
48 monthsMin €10,000Max €100,000
0.99%
0.66% after DIRT
5 Years Fixed
60 monthsMin €10,000Max €100,000
0.98%
0.66% after DIRT
3 Month Fixed
3 monthsMax €100,000
0.01%
0.01% after DIRT
Instant Access
(12 accounts)Demand Deposit
Max €100,000
2.08%
1.39% after DIRT
Demand Deposit
Max €100,000
2.07%
1.39% after DIRT
Demand Deposit
Max €100,000
2.02%
1.35% after DIRT
Demand Deposit
Max €100,000
2.01%
1.35% after DIRT
Demand Deposit
Max €100,000
1.96%
1.31% after DIRT
Demand Deposit
Max €100,000
1.96%
1.31% after DIRT
Demand Deposit
Max €100,000
1.88%
1.26% after DIRT
Demand Deposit
Max €100,000
1.86%
1.25% after DIRT
Demand Deposit
Max €100,000
1.76%
1.18% after DIRT
Demand Deposit
Min €1,000Max €100,000
1.64%
1.10% after DIRT
Demand Deposit
Max €100,000
1.61%
1.08% after DIRT
Demand Deposit
Max €1,000,000
1.61%
1.08% after DIRT
Raisin Pros & Cons
Pros
- +Access to highest EU rates
- +Multiple partner banks
- +EU deposit guarantee
- +Easy online platform
−Cons
- −DIRT not auto-deducted
- −Partner banks change
- −Requires self-assessment tax return
Frequently Asked Questions
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See how Raisin rates compare against 200+ accounts from all Irish providers.
Compare All AccountsRates last updated: February 2026