Compare deposit accounts for savers in Ireland
✓ Fixed interest rates up to 3.20% AER
✓ Terms ranging from 3 months up to 10 years
✓ No fees. No subscriptions. Deposit protection up to €100,000 per person, per bank.
✓ Here to help – real people, real answers.
"Best Savings Provider" 2025 and 2026
Featured in the CCPC Money Tools
Official Sponsor of the Padel Federation of Ireland
Featured in the Irish Independent
5.0
Great place for your savings
Ease of use. Everything well explained all the way through. A savings term to suit your needs and the best rates available for that term.
5.0
Brilliant service
What a brilliant service - simple and effective. Support staff very attentive. Rates brilliant compared to the marketplace.
5.0
Easy way to earn a little more
Simple, straightforward, fast. Works exactly as one would expect from a professional outfit. Very happy with the service.
How do I find the best fixed term deposit account for me?
In the table above, we’ve made it easy to help you find the perfect balance between rate and duration. Based on your own needs, you can simply sort the table by top rate, duration, or even country rating to find the perfect term deposit for you.
When is the interest paid out?
Often, the interest is paid out upon maturity, meaning at the end of the fixed duration, but this can vary depending on the individual offer. You can check the terms of each individual offer by clicking “Product details” in the table above and looking at the details under “Interest payout”.
How safe is a term deposit?
Term deposits are considered a low-risk form of investment. In the EU, investments in term deposits are subject to statutory deposit protection. Money invested in a term deposit is therefore protected up to EUR 100,000 per customer and bank. If the currency of the deposit protection fund is a foreign currency, the protection is in the foreign currency. The protection limit may then depend on the current exchange rate.
Deposit protection is designed to ensure that the money invested is protected up to a certain amount, even if the bank becomes insolvent. In addition to regulation, many banks pay money into a private deposit guarantee fund. This has the advantage that the protection can exceed €100,000.
Your savings are secure with Raisin
Raisin Bank AG
Is a fully licensed German bank, supervised by the Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).
Deposit Guarantee
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.
Customer Service
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 1 546 1020 from 11:00 a.m. - 15:00 p.m., Monday to Friday.
Ready to make your savings work harder?
Join over 1 million savers worldwide who've trusted Raisin to grow their savings.
© 2026 Raisin Bank AG, Frankfurt a.M.
All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time. Raisin Bank, trading as Raisin, is authorised/licensed or registered by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) in Germany and is regulated by the Central Bank of Ireland for conduct of business rules.