Raisin Ireland

08/10/2026

Irish households currently hold over €170 billion in low-interest deposit accounts. With concrete details for the Personal Investment Account now published as part of Budget 2027, the government is aiming to encourage more long-term investing across the country.

Starting 1 July 2027, these new accounts will allow individuals to invest up to €12,000 per year. The first €50,000 built up in the account will be completely tax-free. Any balance above €50,000 will face a flat 1% annual tax, and the accounts will be completely exempt from Deemed Disposal rules.

The government is also lowering general investment tax rates from 1 January 2027, with Capital Gains Tax dropping to 31% and Exit Tax reducing to 35%.

While long-term investing can help to build wealth over time, market accounts do carry risk, making high-interest savings accounts an important part of financial planning.

Read our full breakdown to find out more:

Learn about the announced Irish Personal Investment Account (PIA). Find out how this scheme excludes Deemed Disposal, offering a tax-free threshold of up to €50,000.

17/09/2026

Spotted our ads around Dublin Airport or the city centre this month? 📍

European rates have arrived, and your hard-earned money deserves more than sitting idle in a traditional account earning next to nothing! With one free online account, Raisin gives Irish savers access to competitive deposit rates from partner banks across Europe, all with zero fees.

If you want flexibility alongside a competitive return, the Raisin Starter Account offers new customers a fixed 3.10% AER for 3 months. 📱 You keep the option to withdraw your funds whenever you need them, without any hidden fees or costs. Every partner bank is covered by national EU Deposit Guarantee Schemes up to €100,000 per person, per bank.

Take a moment on your commute to compare options at https://www.raisin.com/en-ie/starter-account/?utm_source=facebook&utm_medium=paid_social&utm_campaign=ie_paid_ooh_ads

Deposit interest retention tax (DIRT) is not taken at source. Any interest earned must be declared to Revenue in an annual tax return.

Have you noticed our billboards around Dublin while out and about this week?

10/09/2026

The European Central Bank has increased its deposit facility rate to 2.50%, responding to persistent energy price pressures and Eurozone inflation remaining above 3%.

In our latest clip, Jasmin Ehlert, Head of Bank Analytics at Raisin, breaks down what this shift means for savers. While the central bank is expected to pause rate changes for the rest of 2026, competition among European banks for consumer deposits remains strong.

That competition means interest rates on demand and fixed term savings accounts could still rise in the coming months. However, ECB rate adjustments won’t mean a whole lot for Irish savers unless they take active steps to look around for the best option and move their money to accounts that pay better returns.

Explore competitive European savings options at raisin.com.

Deposit interest retention tax (DIRT) is not taken at source. Any interest earned must be declared to Revenue in an annual tax return.

How are you adjusting your savings strategy in response to current interest rates?

26/08/2026

Are you leaving hundreds a year on the table just because Irish banks deduct DIRT automatically?

That convenience can come at a steep financial price. European partner banks on the Raisin platform pay your savings interest gross. While you are responsible for declaring and paying the standard 33% DIRT to Revenue yourself, the higher interest means your return is usually higher.

For standard PAYE workers, reporting foreign interest does not require hiring an accountant or becoming a self-assessed tax filer. You simply enter your total interest once a year into Revenue's online myAccount portal. To keep things straightforward, Raisin sends you a single consolidated Annual Tax Certificate at the start of each year with the exact euro amount to input.

💡Compare current European deposit rates and read our simple tax guide at https://www.raisin.com/en-ie/taxes/tax-on-foreign-savings/?utm-source=facebook&utm-medium=paid+social&utm-campaign=ie+paid+tax+on+foreign+savings

Have you ever held back from opening a higher interest savings account because you were unsure about declaring the tax?

Earn higher EU savings rates with straightforward Irish tax reporting. Learn how to declare foreign interest on Revenue myAccount with Raisin's free tax summary.

05/08/2026

It’s a familiar story across Ireland: hard-earned savings sitting in a standard current account right next to the weekend takeaway money.

Why? Because for years, moving your money felt like far more hassle than it was worth.

Conscious savers are breaking the cycle with Raisin:

✅ 𝟭𝟬𝟬% 𝗼𝗻𝗹𝗶𝗻𝗲 𝘀𝗲𝘁𝘂𝗽: Raisin is fully online, with a straightforward sign-up process.

✅ 𝗕𝗲𝘁𝘁𝗲𝗿 𝗿𝗲𝘁𝘂𝗿𝗻𝘀: Access competitive interest rates from across Europe, and manage everything through a single login.

✅ 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻: Deposits of up to €100,000 per person, per bank are protected by national deposit guarantee schemes.

Don't let financial inertia cost you hundreds of euros every year. Join the savers making their money work harder.

𝗖𝗼𝗺𝗽𝗮𝗿𝗲 𝘁𝗼𝗽 𝗘𝘂𝗿𝗼𝗽𝗲𝗮𝗻 𝗿𝗮𝘁𝗲𝘀 𝗮𝘁 https://www.raisin.com/en-ie/?utm-source=facebook&utm-medium=organic+social&utm-campaign=ie+unpaid+savings+monday 🔗

ℹ️ 𝘋𝘦𝘱𝘰𝘴𝘪𝘵 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘳𝘦𝘵𝘦𝘯𝘵𝘪𝘰𝘯 𝘵𝘢𝘹 (𝘋𝘐𝘙𝘛) 𝘪𝘴 𝘯𝘰𝘵 𝘵𝘢𝘬𝘦𝘯 𝘢𝘵 𝘴𝘰𝘶𝘳𝘤𝘦. 𝘈𝘯𝘺 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘦𝘢𝘳𝘯𝘦𝘥 𝘮𝘶𝘴𝘵 𝘣𝘦 𝘥𝘦𝘤𝘭𝘢𝘳𝘦𝘥 𝘵𝘰 𝘙𝘦𝘷𝘦𝘯𝘶𝘦 𝘪𝘯 𝘢𝘯 𝘢𝘯𝘯𝘶𝘢𝘭 𝘵𝘢𝘹 𝘳𝘦𝘵𝘶𝘳𝘯.

23/07/2026

𝗧𝗵𝗲 𝗘𝗖𝗕 𝗵𝗲𝗹𝗱 𝗿𝗮𝘁𝗲𝘀 𝘀𝘁𝗲𝗮𝗱𝘆, 𝗯𝘂𝘁 𝘆𝗼𝘂𝗿 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝘀𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝘀𝗶𝘁 𝘀𝘁𝗶𝗹𝗹!

Jasmin Ehlert, Head of Bank Analytics at Raisin, gives her reaction to today’s ECB decision, noting that short-term fixed deposit accounts and demand deposit accounts can be a useful way to bridge the gap until the next decision in the autumn. By then, you might benefit from even higher rates.

🔗 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗯𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻:
https://www.raisin.com/en-ie/banking/whats-next-for-interest-rates-in-ireland/

ℹ️ 𝘋𝘦𝘱𝘰𝘴𝘪𝘵 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘳𝘦𝘵𝘦𝘯𝘵𝘪𝘰𝘯 𝘵𝘢𝘹 (𝘋𝘐𝘙𝘛) 𝘪𝘴 𝘯𝘰𝘵 𝘵𝘢𝘬𝘦𝘯 𝘢𝘵 𝘴𝘰𝘶𝘳𝘤𝘦. 𝘈𝘯𝘺 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘦𝘢𝘳𝘯𝘦𝘥 𝘮𝘶𝘴𝘵 𝘣𝘦 𝘥𝘦𝘤𝘭𝘢𝘳𝘦𝘥 𝘵𝘰 𝘙𝘦𝘷𝘦𝘯𝘶𝘦 𝘪𝘯 𝘢𝘯 𝘢𝘯𝘯𝘶𝘢𝘭 𝘵𝘢𝘹 𝘳𝘦𝘵𝘶𝘳𝘯.

01/07/2026

The long game is built on consistency. 🚴‍♂️✨

Whether it’s Team Picnic PostNL tackling major races on the world stage or working to grow your savings with Raisin, building momentum relies on a similar foundation: discipline and steady progress.

We’re proud to sponsor the team and support Irish riders like Mia Griffin and Dillon Corkery as they put in the work behind the scenes to perform at the highest level.

To celebrate the team's journey, we want to highlight that shared dedication. Enter our free raffle today for your chance to win:

🏆 2 x VIP tickets to the Tour de France, plus money towards flights and accommodation

👕 An official Team Picnic PostNL cycling jersey

The raffle remains open for entries until 6 July 2026. Ready to take the next step?

👉 Click here to register and enter the raffle now: https://www.raisin.com/en-ie/picnic-postnl-partnership/

𝘗𝘭𝘦𝘢𝘴𝘦 𝘯𝘰𝘵𝘦: 𝘛𝘩𝘪𝘴 𝘱𝘳𝘪𝘻𝘦 𝘥𝘳𝘢𝘸 𝘪𝘴 𝘰𝘳𝘨𝘢𝘯𝘪𝘴𝘦𝘥 𝘣𝘺 𝘙𝘢𝘪𝘴𝘪𝘯. 𝘐𝘵 𝘪𝘴 𝘯𝘰𝘵 𝘴𝘱𝘰𝘯𝘴𝘰𝘳𝘦𝘥, 𝘦𝘯𝘥𝘰𝘳𝘴𝘦𝘥, 𝘰𝘳 𝘢𝘥𝘮𝘪𝘯𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘛𝘰𝘶𝘳 𝘥𝘦 𝘍𝘳𝘢𝘯𝘤𝘦, 𝘵𝘩𝘦 𝘈𝘮𝘢𝘶𝘳𝘺 𝘚𝘱𝘰𝘳𝘵 𝘖𝘳𝘨𝘢𝘯𝘪𝘴𝘢𝘵𝘪𝘰𝘯, 𝘰𝘳 𝘢𝘯𝘺 𝘤𝘺𝘤𝘭𝘪𝘯𝘨 𝘵𝘦𝘢𝘮.

30/06/2026

What is the proposed 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗔𝗰𝗰𝗼𝘂𝗻𝘁 (𝗣𝗜𝗔)? 🇮🇪

The Irish government is currently developing a Retail Investment Roadmap, which includes a proposed Personal Investment Account (PIA), also known as the Savings and Investment Account (SIA), targeting a 2027 rollout.

As Ireland prepares to assume the Presidency of the Council of the EU this week, this framework is positioned as a core strategic priority. However, because formal details are still thin on the ground, nothing is legally confirmed yet.

Here is what the early-stage policy proposals indicate:

𝗧𝗮𝘅 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲: The proposal aims to replace complex fund taxes with a simplified, low annual flat tax on the total account value.

𝗣𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹 𝗲𝘅𝗲𝗺𝗽𝘁𝗶𝗼𝗻𝘀: Early indications suggest a potential €28,000 tax-free exemption limit on total account balances.

𝗗𝗲𝗲𝗺𝗲𝗱 𝗗𝗶𝘀𝗽𝗼𝘀𝗮𝗹: It’s expected that the Deemed Disposal rule will be removed.

𝗔𝗻𝘁𝗶𝗰𝗶𝗽𝗮𝘁𝗲𝗱 𝘁𝗶𝗺𝗲𝗹𝗶𝗻𝗲: Concrete legislative details are expected to be unveiled this October under Budget 2027.

Eoghan O'Hara, Country Head Ireland at Raisin, outlines the context:

“While specific details on the new government savings and investment accounts remain thin on the ground for now, this is a highly anticipated step forward. It is about time Irish households are given similar opportunities to grow their wealth in a tax-efficient manner as their EU counterparts.”

🔗 Click below to read our full guide on the proposed scheme:
https://www.raisin.com/en-ie/press/irelands-new-savings-scheme-what-is-it/

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘍𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘛𝘩𝘪𝘴 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘗𝘳𝘰𝘱𝘰𝘴𝘦𝘥 𝘴𝘤𝘩𝘦𝘮𝘦𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘨𝘪𝘴𝘭𝘢𝘵𝘪𝘷𝘦 𝘤𝘩𝘢𝘯𝘨𝘦. 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘤𝘢𝘳𝘳𝘺 𝘮𝘢𝘳𝘬𝘦𝘵 𝘳𝘪𝘴𝘬 𝘢𝘯𝘥 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰 𝘷𝘢𝘭𝘶𝘦𝘴 𝘤𝘢𝘯 𝘧𝘭𝘶𝘤𝘵𝘶𝘢𝘵𝘦.

12/06/2026

The European Central Bank (ECB) yesterday announced a 25-basis-point interest rate hike. While markets largely expected the move, it marks a significant shift in direction.

Jasmin Ehlert, Head of Bank Analytics at Raisin, breaks down the core drivers behind the decision:

👉 𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲𝘀: The conflict in the Middle East has driven up energy prices, making inflation more stubborn than initially hoped. With this rate change, the ECB is signalling that it’s taking rising inflation expectations seriously.

👉 𝗘𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗰𝗮𝘂𝘁𝗶𝗼𝗻: We don’t expect any further rate hikes this summer. Higher interest rates always weigh on economic growth and the economy is already weak, so we expect that the ECB will exercise caution.

👉 𝗚𝗼𝗼𝗱 𝗻𝗲𝘄𝘀 𝗳𝗼𝗿 𝘀𝗮𝘃𝗲𝗿𝘀: High interest rates are staying put. However, because many banks have already priced this hike in, we likely won't see big increases. The onus is on savers to go and find the best rates available to them!

Are you adjusting your savings approach after yesterday's announcement?



𝘋𝘦𝘱𝘰𝘴𝘪𝘵 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘳𝘦𝘵𝘦𝘯𝘵𝘪𝘰𝘯 𝘵𝘢𝘹 (𝘋𝘐𝘙𝘛) 𝘪𝘴 𝘯𝘰𝘵 𝘵𝘢𝘬𝘦𝘯 𝘢𝘵 𝘴𝘰𝘶𝘳𝘤𝘦. 𝘈𝘯𝘺 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘦𝘢𝘳𝘯𝘦𝘥 𝘮𝘶𝘴𝘵 𝘣𝘦 𝘥𝘦𝘤𝘭𝘢𝘳𝘦𝘥 𝘵𝘰 𝘙𝘦𝘷𝘦𝘯𝘶𝘦 𝘪𝘯 𝘢𝘯 𝘢𝘯𝘯𝘶𝘢𝘭 𝘵𝘢𝘹 𝘳𝘦𝘵𝘶𝘳𝘯.

05/06/2026

🇮🇪 Irish savers are moving their money, and for good reason!

The latest ECB data reveals that Irish households now have €4.2 billion deposited abroad.

German savers are way out in front with more than €60 billion saved outside their country’s borders. However, Irish savers are quickly catching on, increasingly turning to savings accounts across Europe to escape low domestic rates.

📈 Want to see the full breakdown? Check it out here: https://chart.euro-area-statistics.org/ecb-blog/469

At Raisin, we give you access to competitive interest rates from over 30 trusted European banks, with no fees or subscriptions.

🛡️ 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.

Compare rates across Europe ➡️ https://www.raisin.com/



𝘋𝘦𝘱𝘰𝘴𝘪𝘵 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘳𝘦𝘵𝘦𝘯𝘵𝘪𝘰𝘯 𝘵𝘢𝘹 (𝘋𝘐𝘙𝘛) 𝘪𝘴 𝘯𝘰𝘵 𝘵𝘢𝘬𝘦𝘯 𝘢𝘵 𝘴𝘰𝘶𝘳𝘤𝘦. 𝘈𝘯𝘺 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘦𝘢𝘳𝘯𝘦𝘥 𝘮𝘶𝘴𝘵 𝘣𝘦 𝘥𝘦𝘤𝘭𝘢𝘳𝘦𝘥 𝘵𝘰 𝘙𝘦𝘷𝘦𝘯𝘶𝘦 𝘪𝘯 𝘢𝘯 𝘢𝘯𝘯𝘶𝘢𝘭 𝘵𝘢𝘹 𝘳𝘦𝘵𝘶𝘳𝘯.