What is the interest rate on Raisin (Penta) 4 Years Fixed?
Raisin (Penta) 4 Years Fixed pays 1.47% AER. After 33% DIRT tax, the effective rate is 0.98%.
Raisin (Penta) 4 Years Fixed
1.47% AER - Fixed Term savings account from Raisin (Penta). 0.98% after 33% DIRT tax.
Account Details
- Interest Rate: 1.47% AER (0.98% after DIRT)
- Account Type: Fixed Term
- Access: Fixed for 4 years
- Minimum Deposit: €5,000
- Maximum Deposit: €100,000
- Deposit Protection: Slovak DGS
- Provider: Raisin (Penta)
Notes: Via Raisin from Penta. Slovak DGS. DIRT not auto-deducted - self-declare on tax return.
Interest Calculator
Estimated annual interest at 1.47% AER:
- €5,000 → €73.50 gross (€49.25 after DIRT)
- €10,000 → €147.00 gross (€98.49 after DIRT)
- €25,000 → €367.50 gross (€246.23 after DIRT)
Use our savings calculator for detailed projections.
About Raisin (Penta)
Marketplace for EU bank deposits. Various deposit guarantee schemes apply depending on the partner bank's country.
Website: https://www.raisin.com/en-ie/
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Frequently Asked Questions
Is my money protected with Raisin (Penta)?
Yes, deposits are protected under Slovak DGS. This provides protection up to €100,000 under EU deposit guarantee rules.
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 4 years. 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://www.smartsaver.ie/savings
- All Raisin (Penta) accounts: https://www.smartsaver.ie/savings/provider/raisin
- Savings calculator: https://www.smartsaver.ie/savings/tools/savings-growth
- Raisin (Penta) website: https://www.raisin.com/en-ie/