Raisin Savings Accounts in Ireland - March 2026

Raisin offers 166 savings accounts in Ireland. Raisin is a savings marketplace offering access to EU bank deposits. Each partner bank has its own deposit guarantee.

Summary

Total accounts: 166
Account types: Fixed Term, Instant Access
Best rate: 3.15% AER (10 Years Fixed)
Best instant access: 2.02% AER
Deposit protection: EU Deposit Guarantee (€100,000)
DIRT tax: Self-declare (33%)
Data updated: Daily at 9am

Instant Access Accounts (13)

Withdraw anytime without penalty.

2.02% AER - Demand Deposit. Min €1, Max €100,000
2.02% AER - Demand Deposit. Min €1, Max €100,000
2.01% AER - Demand Deposit. Min €1, Max €100,000
1.97% AER - Demand Deposit. Min €1, Max €100,000
1.96% AER - Demand Deposit. Min €1, Max €100,000
1.86% AER - Demand Deposit. Min €1, Max €100,000
1.86% AER - Demand Deposit. Min €1, Max €100,000
1.81% AER - Demand Deposit. Min €1, Max €100,000
1.76% AER - Demand Deposit. Min €1, Max €100,000
1.71% AER - Demand Deposit. Min €1, Max €100,000
1.64% AER - Demand Deposit. Min €1,000, Max €100,000
1.61% AER - Demand Deposit. Min €1, Max €1,000,000
1.51% AER - Demand Deposit. Min €1, Max €100,000

Fixed Term Deposits (153)

Lock your money for higher rates.

3.15% AER - 10 Years Fixed (120 months). Min €5,000, Max €100,000
3.1% AER - Starter Account (3 Month) (3 months). Min €1, Max €100,000
3% AER - 7 Years Fixed (84 months). Min €1,000, Max €100,000
2.95% AER - 9 Years Fixed (108 months). Min €5,000, Max €100,000
2.9% AER - 7 Years Fixed (84 months). Min €5,000, Max €100,000
2.9% AER - 8 Years Fixed (96 months). Min €5,000, Max €100,000
2.86% AER - 5 Years Fixed (60 months). Min €5,000, Max €100,000
2.85% AER - 5 Years Fixed (60 months). Min €1,000, Max €100,000
2.85% AER - 5 Years Fixed (60 months). Min €5,000, Max €100,000
2.85% AER - 6 Years Fixed (72 months). Min €5,000, Max €100,000
2.84% AER - 5 Years Fixed (60 months). Min €5,000, Max €100,000
2.83% AER - 7 Years Fixed (84 months). Min €5,000, Max €100,000
2.8% AER - 3 Years Fixed (36 months). Min €2,000, Max €100,000
2.8% AER - 4 Years Fixed (48 months). Min €2,000, Max €100,000
2.8% AER - 5 Years Fixed (60 months). Min €2,000, Max €100,000
2.79% AER - 10 Years Fixed (120 months). Min €5,000, Max €100,000
2.79% AER - 8 Years Fixed (96 months). Min €5,000, Max €100,000
2.77% AER - 9 Years Fixed (108 months). Min €5,000, Max €100,000
2.76% AER - 4 Years Fixed (48 months). Min €5,000, Max €100,000
2.75% AER - 4 Years Fixed (48 months). Min €5,000, Max €100,000

Plus 133 more fixed term accounts.

Frequently Asked Questions

What is the best Raisin savings rate?

The best Raisin savings rate is 3.15% AER on their 10 Years Fixed (120 month term).

Is my money safe with Raisin?

Yes, Raisin is regulated in the EU and deposits are protected by the relevant EU deposit guarantee scheme up to €100,000.

How is DIRT tax handled?

Raisin does not automatically deduct DIRT. As an EU-based provider, you must self-declare interest on your annual Irish tax return and pay the 33% DIRT yourself.

Can I access my money instantly?

Yes, Raisin offers 13 instant access accounts with rates up to 2.02% AER. You can withdraw anytime without notice or penalty.

How do I open a Raisin savings account?

Register at raisin.ie, complete verification, then choose from partner bank offers. One registration gives access to multiple banks.

Compare Other Providers

AIB: https://smartsaver.ie/savings/provider/aib
PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
State Savings: https://smartsaver.ie/savings/provider/state-savings
Revolut: https://smartsaver.ie/savings/provider/revolut
N26: https://smartsaver.ie/savings/provider/n26
Bunq: https://smartsaver.ie/savings/provider/bunq
Trade Republic: https://smartsaver.ie/savings/provider/trade-republic
MoCo: https://smartsaver.ie/savings/provider/moco
Monzo: https://smartsaver.ie/savings/provider/monzo
Klarna: https://smartsaver.ie/savings/provider/klarna
Bank of Ireland: https://smartsaver.ie/savings/provider/bank-of-ireland

More Information

Compare all savings accounts: https://smartsaver.ie/savings
Raisin website: https://www.raisin.com/en-ie/