Best Savings Provider 2025 & 2026 | bonkers.ie Awards
Compare deposit accounts for savers in Ireland
✓ Fixed interest rates up to 3.50% 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.
An offer from Raisin Bank AG trading as Raisin.
* Deposit Interest Retention Tax (DIRT) is not taken at source. Any interest earned must be declared to Revenue in an annual tax return.
* Deposit Interest Retention Tax (DIRT) is not taken at source. Any interest earned must be declared to Revenue in an annual tax return.
Compare and open savings accounts from banks across Europe
All offers are listed by interest rate, from highest to lowest AER. You can use the filters below to adjust the order depending on the type of savings account you are looking for. Raisin does not accept fees or other payments to promote or boost the position of any particular savings account.
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.
What our customers are saying
Selected reviews shown. Read all verified reviews on our official Trustpilot page.
5.0
Impressed
Safe, easy to set up, excellent current interest rate offer on demand savings, app intuitive and clutter free
5.0
App is excellent
App is excellent. Easy to navigate and always available. Once identity is initially verified (when joining Raisin Bank), accounts can be opened across Europe from within the app (completely online - no manual/paper documentation needed).
5.0
It's just very simple to navigate the…
It's just very simple to navigate the site and to log in, plus the Dublin contact was very helpful at the beginning of the process when I wasn't sure how to do things.
Peace of mind 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.
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© 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.