What is the interest rate on Raisin (Raisin Bank) Starter Account (3 Month)?
Raisin (Raisin Bank) Starter Account (3 Month) pays 3.1% AER. After 33% DIRT tax, the effective rate is 2.08%.
Raisin (Raisin Bank) Starter Account (3 Month)
3.1% AER - Fixed Term savings account from Raisin (Raisin Bank). 2.08% after 33% DIRT tax.
Account Details
- Interest Rate: 3.1% AER (2.08% after DIRT)
- Account Type: Fixed Term
- Access: Fixed for 3 months
- Minimum Deposit: €1
- Maximum Deposit: €100,000
- Deposit Protection: EU DGS
- Provider: Raisin (Raisin Bank)
Notes: New customers only. 3-month promotional term with flexible access. DIRT not auto-deducted - self-declare on tax return.
Interest Calculator
Estimated annual interest at 3.1% AER:
- €1,000 → €31.00 gross (€20.77 after DIRT)
- €5,000 → €155.00 gross (€103.85 after DIRT)
- €10,000 → €310.00 gross (€207.70 after DIRT)
Use our savings calculator for detailed projections.
About Raisin (Raisin Bank)
Marketplace for EU bank deposits. Various deposit guarantee schemes apply depending on the partner bank's country.
Website: https://www.raisin.com/en-ie/
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Frequently Asked Questions
Is my money protected with Raisin (Raisin Bank)?
Yes, deposits are protected under EU DGS. Check with the provider for full details of deposit protection.
How do I open this account?
Register at raisin.ie, complete verification, then select this offer from available options.
Can I withdraw early from a fixed term account?
Fixed term accounts typically don't allow early withdrawals, or may charge penalties. Fixed for 3 months. Check the specific terms before opening.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Check with the provider whether DIRT is automatically deducted.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All Raisin (Raisin Bank) accounts: https://smartsaver.ie/savings/provider/raisin
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- Raisin (Raisin Bank) website: https://www.raisin.com/en-ie/