What is the interest rate on Raisin (HoistSpar) 1 Year Fixed?
Raisin (HoistSpar) 1 Year Fixed pays 1% AER. After 33% DIRT tax, the effective rate is 0.67%.
Raisin (HoistSpar) 1 Year Fixed
1% AER - Fixed Term savings account from Raisin (HoistSpar). 0.67% after 33% DIRT tax.
Account Details
- Interest Rate: 1% AER (0.67% after DIRT)
- Account Type: Fixed Term
- Access: Fixed for 1 year
- Minimum Deposit: €1,000
- Maximum Deposit: €90,000
- Deposit Protection: EU DGS
- Provider: Raisin (HoistSpar)
Notes: Via Raisin from HoistSpar. DIRT not auto-deducted - self-declare on tax return.
Interest Calculator
Estimated annual interest at 1% AER:
- €1,000 → €10.00 gross (€6.70 after DIRT)
- €5,000 → €50.00 gross (€33.50 after DIRT)
- €10,000 → €100.00 gross (€67.00 after DIRT)
Use our savings calculator for detailed projections.
About Raisin (HoistSpar)
Marketplace for EU bank deposits. Various deposit guarantee schemes apply depending on the partner bank's country.
Website: https://www.raisin.com/en-ie/
Compare Similar Fixed Term Accounts
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- Raisin (Deutsche Bausparkasse Badenia) 9 Years Fixed - 2.95% AER
- Klarna 4 Year Fixed - 2.9% AER
Frequently Asked Questions
Is my money protected with Raisin (HoistSpar)?
Yes, deposits are protected under EU DGS. Check with the provider for full details of deposit protection.
How do I open this account?
Register at raisin.ie, complete verification, then select this offer from available options.
Can I withdraw early from a fixed term account?
Fixed term accounts typically don't allow early withdrawals, or may charge penalties. Fixed for 1 year. Check the specific terms before opening.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Check with the provider whether DIRT is automatically deducted.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All Raisin (HoistSpar) accounts: https://smartsaver.ie/savings/provider/raisin
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- Raisin (HoistSpar) website: https://www.raisin.com/en-ie/