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Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Italy

Italian banks do not deduct tax on savings for Irish customers. This means your interest is paid in full (gross). For more details, please see the product information sheet.

Crédit Agricole Auto Bank is an international banking group, present in 19 European countries. It’s part of the Crédit Agricole Group, the tenth largest bank in the world and the first in Europe by number of retail customers.

CA Auto Bank is a leading player in vehicle financing and leasing and in the mobility sector, with a complete range of financial, insurance and rental solutions, and more than 50 prestigious brand partners.

The Bank’s history began in 1925: for almost 100 years it has accompanied the evolution of the automotive sector in Europe. CA Auto Bank has also long been active in daily banking, particularly in Italy and Germany, with its deposit accounts. CA Auto Bank's deposit accounts have proven to be one of the instruments that best meets customers' savings needs, thanks to the Bank’s soundness and transparency.

The Bank’s mission, “Creating everyday mobility solutions for a better planet”, sums up its raison d'être: to drive the energy transition in the sector, making access to zero- and low-emission vehicles increasingly democratic and affordable for everyone.

CA Auto Bank

Deposits including accrued interest income are legally protected by the Italian Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Interbank Deposit Protection Fund (FITD)

Banca CF+ was founded in Italy in 1898. It specializes in financing solutions for companies in a high-performance phase or in the process of restructuring. The bank offers its clients factoring products, the acquisition of tax credits, and short- and medium-term financing services for companies with structural and liquidity needs.

Banca CF+

The Kingdom of Spain is located in the southwest of Europe on the Iberian Peninsula and borders France, Portugal, Andorra and Morocco. The country has been a member of the European Union since 1986 and, like Germany, introduced the euro as a means of payment in 2002.

As Spain is the second most popular vacation destination in the world, tourism represents the largest part of Spain's economic power. This is followed by the industrial sector and the agricultural sector.

After the recession in 2011, the Spanish economy is again in a steady upswing and is considered one of the fastest and most sustainably growing economies within the European Union.

Spain

In Spain, interest income is normally taxed at 19%. Irish customers can reduce this to 0% by providing a tax residency certificate from Irish Revenue. Please see the product information sheet for more details.

Haitong Bank S.A. Sucursal en España was established in Madrid, Spain in 2001. It is the Spanish branch of the Portuguese Haitong Bank S.A., which was established in Lisbon, Portugal in 1983. Haitong Bank S.A.'s business in Spain focuses on investment banking products and services for corporate and institutional clients. These include financial solutions, equities and asset management. As a wholly-owned subsidiary of Haitong Securities, one of the leading investment banks with securities operations in China, Haitong Bank S.A. focuses its extensive range of services on both the domestic and international markets. The bank specialises in particular in the financial markets in Europe, America and Asia.

Please note that Haitong has a banking license in Portugal and offers term deposits via Raisin through its Spanish branch (Sucursal en España) in Madrid. This means that your savings with the bank are covered by the Portuguese deposit guarantee (up to €100,000 per depositor per bank), but Spanish withholding tax applies (which can easily be reduced to 0%).

Haitong Bank

Portugal is located in the west of the Iberian Peninsula and is a popular destination for tourists. The Southern European country has been a member of the EU since 1986, was a founding member of NATO, and introduced the euro as its currency in 2002 upon its inception. Apart from tourism, the service sector is the largest source of income. Portugal depends mainly on trade with its EU partners.

Portugal

Deposits including accrued interest income are legally protected by the Portuguese Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU.  It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via Raisin Bank were invested with a particular bank, but also other deposits of this customer were invested with the respective bank.

Deposit Guarantee Scheme of Portugal

Sweden is a member of the European Union since 1995, however it has its own currency, the Swedish Krona (SEK). Sweden is distinguished by its highly industrialised economy, based on cutting-edge technology in key sectors such as automotive, electronics and telecommunications. Its strong social welfare network, including a high quality public health and education system, reinforces its position as a society with high levels of equality and well-being. In addition, its focus on environmental sustainability and technological innovation has positioned the country as a leader in the transition to a green economy. Its policy of openness to international trade and its political and social stability continue to attract investment from around the world.

Sweden

Swedish banks do not deduct tax on savings for Irish customers. This means your interest is paid in full (gross). For more details, please see the product information sheet.

TF Bank, established in 1987 in Borås, Sweden, has experienced remarkable growth both in terms of product offering and geographic presence since its inception as a provider of catalogue order financing. Today, TF Bank operates in multiple countries, including Finland, Norway, Denmark, Estonia, Poland, Latvia, Germany and, of course, Sweden, where its listing on the Nasdaq Stockholm Stock Exchange since 2016 has strengthened its position in the financial market.

TF Bank has established itself as a leading digital bank, recognised for its customer-centric approach and its e-commerce and merchant banking solutions. Its unique technology platform ensures scalability and flexibility to adapt to diverse financial needs in a constantly evolving digital banking environment. 

With a strategic focus on controlled organic growth, TF Bank focuses on three key segments: consumer lending, credit cards and e-commerce solutions, including digital payment options tailored especially for individuals. 

In addition, the deposit and savings business has been central to TF Bank's business model, providing attractive investment and savings opportunities for its customers in multiple markets.

TF Bank AB (publ)

In accordance with EU Directive 2014/49/EU, deposits with this Bank, inclusive of accrued interest not yet credited, are guaranteed by the Swedish statutory deposit guarantee scheme up to (the equivalent in euros of) SEK 1,050,000 per account holder, per bank. This amount also includes possible deposits and/or savings accounts ordered outside Raisin Bank. This protection covers the deposits of all natural persons, not only Swedish citizens.   In the event of an intervention by the Swedish DGS, the payment shall be made in Euros to your Raisin Account, within 7 business days from the time the DGS comes into effect. In this case, the exchange rate applied will be the one valid at the time of the bank’s administrative settlement process and is thus subject to currency fluctuations.   The administrator and executor of the deposit guarantee scheme is Riksgälden. For more information please visit https://www.riksgalden.se/en/)

Swedish Deposit Protection Fund

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Enjoy flexibility with Demand Deposits. Top up or withdraw whenever you like, and start saving from just €1.

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Grow your savings with a fixed-interest Term Deposit. Select a timeframe that suits your goals, from as little as 3 months up to 7 years.

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Is a fully licensed German bank, supervised by the Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).

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bank

Raisin Bank AG

Deposits of up to €100,000 per person per bank are legally protected by the national deposit guarantee scheme of the country where the bank is headquartered.

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Free

Deposit Guarantee

Still have questions? We're here to help! Email contact@raisin.com or send us a message through your Raisin Account. Alternatively, you can call us on +353 1 5461020 from 11:00 a.m. - 15:00 p.m., Monday to Friday.

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Customer Service

Your savings are secure with Raisin

Raisin team with Padel Federation of Ireland officials announcing sponsorship of the Veterans National Team.

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We're proud to sponsor the Irish Veterans Team at the FIP Senior Euro Padel Cup in Valencia, supporting a sport that mirrors Raisin’s values of long-term thinking, resilience, and community growth. Padel is gaining ground in Ireland, and by backing veteran athletes, we’re celebrating experience, commitment, and the idea that progress comes at every stage of life.Funding from the partnership will go towards grassroots programmes, elite player support, and the continued expansion of the Irish Padel Tour, which has enjoyed record-breaking participation numbers in recent seasons. It’s about giving players the tools to grow and helping padel establish a strong and lasting presence in Ireland.

Raisin IE HP - padel sponsorship

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With the Raisin app, you’re always just a tap away from smarter saving.Track your savings, view all your accounts in one place, and be the first to hear about latest offers.Whether you're at home, commuting, or travelling, the Raisin app puts your savings in your pocket.Scan the QR code to download the app and take control of your savings — anytime, anywhere.

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Join over 1 million savers worldwide who've trusted Raisin to grow their savings.

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<ul><li>One account. 25+ trusted European banks.</li><li>Choose fixed terms from 3 months, or stay flexible with demand deposits.</li><li>No fees. No subscriptions. Deposit protection up to €100,000 per person, per bank.</li><li>Get 3.10 % AER for 3 months with the Raisin Starter Account. Exclusively for new customers.</li></ul>

Starter Account (3.10 % AER for 3 months)

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Access high-interest, zero-fee savings accounts in Ireland with Raisin. Compare competitive rates from European banks and open your free account today.

Smarter saving starts here.

One account. 25+ trusted European banks.
Choose fixed terms from 3 months, or stay flexible with demand deposits.
No fees. No subscriptions. Deposit protection up to €100,000 per person, per bank.
Get 3.10 % AER for 3 months with the Raisin Starter Account. Exclusively for new customers.

Featured savings accounts

Haitong Bank

Banca CF+

CA Auto Bank

TF Bank AB (publ)

Easy access Demand Deposits

Enjoy flexibility with Demand Deposits. Top up or withdraw whenever you like, and start saving from just €1.

Fixed returns with Term Deposits

Grow your savings with a fixed-interest Term Deposit. Select a timeframe that suits your goals, from as little as 3 months up to 7 years.

Your savings are secure with Raisin

Raisin Bank AG

Deposit Guarantee

Customer Service

Official sponsor of the Padel Federation of Ireland

Take control of your savings anytime, anywhere

Ready to make your savings work harder?

Join over 1 million savers worldwide who've trusted Raisin to grow their savings.

Smarter saving starts here.

One account. 25+ trusted European banks.Choose fixed terms from 3 months, or stay flexible with demand deposits.No fees. No subscriptions. Deposit protection up to €100,000 per person, per bank.Get 3.10 % AER for 3 months with the Raisin Starter Account. Exclusively for new customers.

Featured savings accounts

Easy access Demand Deposits

Enjoy flexibility with Demand Deposits. Top up or withdraw whenever you like, and start saving from just €1.

Fixed returns with Term Deposits

Grow your savings with a fixed-interest Term Deposit. Select a timeframe that suits your goals, from as little as 3 months up to 7 years.

Your savings are secure with Raisin

Raisin Bank AG

Deposit Guarantee

Customer Service

Official sponsor of the Padel Federation of Ireland

Take control of your savings anytime, anywhere

Ready to make your savings work harder?

Join over 1 million savers worldwide who've trusted Raisin to grow their savings.

One account. 25+ trusted European banks.
Choose fixed terms from 3 months, or stay flexible with demand deposits.
No fees. No subscriptions. Deposit protection up to €100,000 per person, per bank.
Get 3.10 % AER for 3 months with the Raisin Starter Account. Exclusively for new customers.