Is Raisin safe for Irish savers?

Each deposit is held at a regulated EU bank and covered by that bank’s national deposit guarantee scheme up to €100,000 per person per bank. The scheme is the partner bank’s, never the Irish DGS, and our table names it per rate.

What are the best Raisin rates right now?

As verified on 1 August 2026: 2.25% instant access (BluOr, Latvia), 3.15% for 1 year and 3.23% for 2 years (BluOr), 3.14% for 3 years (Haitong, Portugal). Rates move often; check the live listing before opening.

Do I pay DIRT on Raisin interest?

The tax is owed but not withheld. Declared on time to Revenue, EU deposit interest is taxed at the DIRT rate of 33%; filed late it becomes 40%.

Raisin, where the top of the Irish rate table lives

The highest deposit rates open to Irish savers right now are on Raisin: one login, EU partner banks, 3.23% AER at the top. The price of the extra margin is knowing exactly whose deposit guarantee you are relying on, because it is never the Irish one.

Every rate on this page was read from the provider's own site. Last verified 1 August 2026.

Raisin savings and deposit accounts with AER, DIRT treatment and protection
Provider & account			Limits	DIRT	Taken abroad	Protection	Verified
Raisin · Deutsche Bausparkasse BadeniaFixed term depositThe highest rate open to Irish savers at any term, and paid gross. You are lending for ten years to get it: the State Savings 10 year bond pays less but is tax free and can be cashed in early.	3.30%	10 yearsNo access during term	from €5,000 · max €100,000	33%self-assess	Paid gross	German DGS€100,000	3 Aug 2026
Raisin · BluOr BankFixed term depositThe highest headline rate in the table, but Latvia withholds 25.5% at source (10% with the paperwork) before Irish DIRT. On take-home, the gross-paying German and Dutch terms below beat it.	3.23%	2 yearsNo access during term	from €1 · max €100,000	33%self-assess	25.5% Latvia10% with Raisin forms	Latvian DGS€100,000	1 Aug 2026
Raisin · Aareal BankFixed term depositPaid gross by a German bank, interest to your Raisin account each year. Seven years is a long view on rates, which is the actual risk here.	3.16%	7 yearsNo access during term	from €1,000 · max €100,000	33%self-assess	Paid gross	German DGS€100,000	3 Aug 2026
Raisin · BluOr BankFixed term depositBest 1 year rate on Raisin Ireland. Latvia withholds 25.5% at source, 10% with the paperwork.	3.15%	1 yearNo access during term	from €1 · max €100,000	33%self-assess	25.5% Latvia10% with Raisin forms	Latvian DGS€100,000	1 Aug 2026
Raisin · Haitong BankFixed term depositSold via the bank’s Spanish branch but guaranteed by the Portuguese scheme, and it is Portugal’s tax that applies: 28% withheld at source, 15% if you claim under the double taxation agreement.	3.14%	3 yearsNo access during term	from €10,000 · max €100,000	33%self-assess	28% Portugal15% with treaty claim	Portuguese DGS€100,000	1 Aug 2026
Raisin · Raisin BankStarter AccountNew customers only, and the 3.10% runs for three months before the money needs somewhere else to go. Held by Raisin Bank itself in Germany, so it is paid gross.	3.10%	Instant accessInstant access, interest paid monthly	from €1 · max €100,000	33%self-assess	Paid gross	German DGS€100,000	3 Aug 2026
Raisin · Fjord BankFixed term depositLithuania withholds 15% at source, 10% under the Ireland–Lithuania treaty if you file a Revenue tax residence certificate. Note the €95,000 cap sits below the €100,000 guarantee.	3.08%	18 monthsNo access during term	from €1,000 · max €95,000	33%self-assess	15% Lithuania10% with Revenue certificate	Lithuanian DGS€100,000	3 Aug 2026
Raisin · Achmea BankFixed term depositPaid gross: the Netherlands deducts nothing at source, so the only tax is your own DIRT.	3.06%	5 yearsNo access during term	from €5,000 · max €100,000	33%self-assess	Paid gross	Dutch DGS€100,000	3 Aug 2026
Raisin · BluOr BankFixed term depositLatvia withholds 25.5% at source, 10% with the paperwork.	2.81%	9 monthsNo access during term	from €1 · max €100,000	33%self-assess	25.5% Latvia10% with Raisin forms	Latvian DGS€100,000	3 Aug 2026
Raisin · BluOr BankFixed term depositBest 6 month rate on Raisin Ireland. Latvia withholds 25.5% at source, 10% with the paperwork.	2.77%	6 monthsNo access during term	from €1 · max €100,000	33%self-assess	25.5% Latvia10% with Raisin forms	Latvian DGS€100,000	1 Aug 2026
Raisin · IBL BancaFixed term depositThe only 3 month option worth the paperwork. Italy deducts nothing at source, so you receive it gross and settle DIRT yourself.	2.42%	3 monthsNo access during term	from €10,000 · max €100,000	33%self-assess	Paid gross	Italian DGS€100,000	3 Aug 2026
Raisin · BluOr BankDemand depositBest ongoing instant rate on Raisin Ireland. Held with BluOr Bank in Latvia, which withholds 25.5% at source (10% if you file the paperwork through Raisin) before Irish DIRT is even considered. You declare the interest to Revenue yourself and claim credit for the Latvian tax.	2.25%	Instant accessInstant access via the Raisin platform	from €1 · max €100,000	33%self-assess	25.5% Latvia10% with Raisin forms	Latvian DGS€100,000	1 Aug 2026

Raisin · Deutsche Bausparkasse BadeniaFixed term deposit
3.30%
Term / access
10 years · No access during term
DIRT
33%self-assess
Taken abroad
Paid gross
Limits
from €5,000 · max €100,000
Protection
German DGS · €100,000
The highest rate open to Irish savers at any term, and paid gross. You are lending for ten years to get it: the State Savings 10 year bond pays less but is tax free and can be cashed in early.
3 Aug 2026
Raisin · BluOr BankFixed term deposit
3.23%
Term / access
2 years · No access during term
DIRT
33%self-assess
Taken abroad
25.5% Latvia10% with Raisin forms
Limits
from €1 · max €100,000
Protection
Latvian DGS · €100,000
The highest headline rate in the table, but Latvia withholds 25.5% at source (10% with the paperwork) before Irish DIRT. On take-home, the gross-paying German and Dutch terms below beat it.
1 Aug 2026
Raisin · Aareal BankFixed term deposit
3.16%
Term / access
7 years · No access during term
DIRT
33%self-assess
Taken abroad
Paid gross
Limits
from €1,000 · max €100,000
Protection
German DGS · €100,000
Paid gross by a German bank, interest to your Raisin account each year. Seven years is a long view on rates, which is the actual risk here.
3 Aug 2026
Raisin · BluOr BankFixed term deposit
3.15%
Term / access
1 year · No access during term
DIRT
33%self-assess
Taken abroad
25.5% Latvia10% with Raisin forms
Limits
from €1 · max €100,000
Protection
Latvian DGS · €100,000
Best 1 year rate on Raisin Ireland. Latvia withholds 25.5% at source, 10% with the paperwork.
1 Aug 2026
Raisin · Haitong BankFixed term deposit
3.14%
Term / access
3 years · No access during term
DIRT
33%self-assess
Taken abroad
28% Portugal15% with treaty claim
Limits
from €10,000 · max €100,000
Protection
Portuguese DGS · €100,000
Sold via the bank’s Spanish branch but guaranteed by the Portuguese scheme, and it is Portugal’s tax that applies: 28% withheld at source, 15% if you claim under the double taxation agreement.
1 Aug 2026
Raisin · Raisin BankStarter Account
3.10%
Term / access
Instant access · Instant access, interest paid monthly
DIRT
33%self-assess
Taken abroad
Paid gross
Limits
from €1 · max €100,000
Protection
German DGS · €100,000
New customers only, and the 3.10% runs for three months before the money needs somewhere else to go. Held by Raisin Bank itself in Germany, so it is paid gross.
3 Aug 2026
Raisin · Fjord BankFixed term deposit
3.08%
Term / access
18 months · No access during term
DIRT
33%self-assess
Taken abroad
15% Lithuania10% with Revenue certificate
Limits
from €1,000 · max €95,000
Protection
Lithuanian DGS · €100,000
Lithuania withholds 15% at source, 10% under the Ireland–Lithuania treaty if you file a Revenue tax residence certificate. Note the €95,000 cap sits below the €100,000 guarantee.
3 Aug 2026
Raisin · Achmea BankFixed term deposit
3.06%
Term / access
5 years · No access during term
DIRT
33%self-assess
Taken abroad
Paid gross
Limits
from €5,000 · max €100,000
Protection
Dutch DGS · €100,000
Paid gross: the Netherlands deducts nothing at source, so the only tax is your own DIRT.
3 Aug 2026
Raisin · BluOr BankFixed term deposit
2.81%
Term / access
9 months · No access during term
DIRT
33%self-assess
Taken abroad
25.5% Latvia10% with Raisin forms
Limits
from €1 · max €100,000
Protection
Latvian DGS · €100,000
Latvia withholds 25.5% at source, 10% with the paperwork.
3 Aug 2026
Raisin · BluOr BankFixed term deposit
2.77%
Term / access
6 months · No access during term
DIRT
33%self-assess
Taken abroad
25.5% Latvia10% with Raisin forms
Limits
from €1 · max €100,000
Protection
Latvian DGS · €100,000
Best 6 month rate on Raisin Ireland. Latvia withholds 25.5% at source, 10% with the paperwork.
1 Aug 2026
Raisin · IBL BancaFixed term deposit
2.42%
Term / access
3 months · No access during term
DIRT
33%self-assess
Taken abroad
Paid gross
Limits
from €10,000 · max €100,000
Protection
Italian DGS · €100,000
The only 3 month option worth the paperwork. Italy deducts nothing at source, so you receive it gross and settle DIRT yourself.
3 Aug 2026
Raisin · BluOr BankDemand deposit
2.25%
Term / access
Instant access · Instant access via the Raisin platform
DIRT
33%self-assess
Taken abroad
25.5% Latvia10% with Raisin forms
Limits
from €1 · max €100,000
Protection
Latvian DGS · €100,000
Best ongoing instant rate on Raisin Ireland. Held with BluOr Bank in Latvia, which withholds 25.5% at source (10% if you file the paperwork through Raisin) before Irish DIRT is even considered. You declare the interest to Revenue yourself and claim credit for the Latvian tax.
1 Aug 2026

Ranked by AER, highest first. Nobody can pay for position or inclusion. How we rank, and how we get paid

How the marketplace works

Raisin is not the bank. You open one Raisin account, passported through Raisin Bank AG in Germany, and place deposits with partner banks across the EU from a single dashboard. Each deposit is a real account at that bank, covered by that bank’s national deposit guarantee scheme up to €100,000, Latvia’s for BluOr, Portugal’s for Haitong, Sweden’s for Klarna.

The rates change frequently and per bank. Our table shows the best non-promotional rate per term as of the verified date; Raisin’s own listing is the live source.

The two things to read twice

First, the teaser: Raisin’s advertised 3.10% instant access is a 3 month promotional rate for new customers only. The best ongoing instant rate is BluOr’s 2.25%. We exclude teaser rates from our tables for exactly this reason.

Second, the tax: no partner bank withholds Irish DIRT. You declare the interest to Revenue, 33% if filed on time. One field on a form, covered on our DIRT page, but it is your field to fill.

Raisin questions, answered straight

Is Raisin safe for Irish savers?: Each deposit is held at a regulated EU bank and covered by that bank’s national deposit guarantee scheme up to €100,000 per person per bank. The scheme is the partner bank’s, never the Irish DGS, and our table names it per rate.
What are the best Raisin rates right now?: As verified on 1 August 2026: 2.25% instant access (BluOr, Latvia), 3.15% for 1 year and 3.23% for 2 years (BluOr), 3.14% for 3 years (Haitong, Portugal). Rates move often; check the live listing before opening.
Do I pay DIRT on Raisin interest?: The tax is owed but not withheld. Declared on time to Revenue, EU deposit interest is taxed at the DIRT rate of 33%; filed late it becomes 40%.