"Best Savings Provider" 2025
Featured in the CCPC Money Tools
Featured in the Irish Independent
Member of the CCMA
✓ Fixed rates up to 3.00% AER
✓ Terms from 3 months–7 years
✓ Over 20 European banks at your fingertips
✓ Deposit Guarantee Scheme protection
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”.
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.
Is a fully licensed German bank, supervised by the Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).
All of our savings accounts are covered by European Deposit Guarantee Schemes, protecting your savings up to €100,000 per depositor, per bank.
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.