Say goodbye to multiple logins: the all-in-one app for Irish savers

Chasing competitive interest rates across different banks often results in a trail of forgotten passwords, locked accounts and repetitive paperwork. Opening an account with a new bank typically means finding your passport, tracking down recent utility bills, and clearing identity checks. We built a single marketplace so you can manage deposits across Europe through one central hub, cutting out the administrative friction of rate-chasing.

Opening a deposit account with a bank normally requires passing identity checks. If you want to move your money to three different banks over a year to secure better rates, you have to submit your ID and proof of address three separate times.

With a Raisin account, you verify your identity once. After your initial registration is approved, you gain access to our full network of partner banks across the EU. You can open, fund and manage term deposits and demand accounts without uploading your passport or waiting on compliance reviews every time you switch banks.

Moving money between domestic and international accounts usually involves tracking various IBANs and waiting on clearing times. We provide you with a single Raisin Account to act as your transaction hub. Fund your account via SEPA transfer and apply to open your chosen savings accounts with a few clicks.

When a fixed term ends, set up automated rollovers with zero reinvestment friction or return your savings and interest  directly to your Raisin Account. You can then withdraw the funds back to your main bank account, or reinvest them into a new savings account, all within the same dashboard.

Note: Our European partner banks pay gross interest, and Deposit Interest Retention Tax (DIRT) is not deducted at source. At the start of each year, download your consolidated Raisin Annual Tax Statement with a single click, and declare any interest earned on your annual Revenue tax return (currently taxed at 33%).