Product |
Term |
Minimum Investment |
Maximum Investment |
Access |
Security Underwritten |
Deposit Guarantee Scheme |
Tax |
AER |
Link |
| Raisin | 1 Year | €2,000 | €100,000 |
Restricted |
Younited Credit (France) |
Yes, French deposit guarantee fund |
No Withholding Tax (DIRT or 40% Tax - depending on household income - must be self declared on returns) |
2.95% |
https://www.raisin.ie/ |
| Raisin | 5 Year | €2,000 | €100,000 |
Restricted |
Younited Credit (France) |
Yes, French deposit guarantee fund |
DIRT @ 33% or 40% Tax - depending on household income - must be self declared to Revenue |
3.50% |
|
| Raisin | 1 Year | €5,000 | €100,000 |
Restricted |
Banca Privata Leasing (Italy) |
Yes, Italian Deposit Guarantee Scheme |
No Withholding Tax (DIRT or 40% Tax - depending on household income - must be self declared on returns) |
3.90% |
|
| Permanent TSB | 1 Year | €5,000 | N/A | N/A |
Permanent TSB (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
1.75% |
|
| Permanent TSB | 18 Month | €5,000 | N/A | N/A |
Permanent TSB (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
2.00% |
|
| Permanent TSB | 3 Year | €5,000 | N/A | N/A |
Permanent TSB (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
2.00% |
|
| Permanent TSB | 5 Year | €5,000 | N/A | N/A |
Permanent TSB (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
2.00% |
|
| Bank of Ireland | 1 Year | €5,000 | €1,000,000 | N/A |
Bank of Ireland (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
2.00% |
|
| AIB | 1 Year | €15,000 | N/A |
Restricted |
AIB (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
2.50% |
|
| AIB | 2 Year | €15,000 | N/A |
Restricted |
AIB (Ireland) |
Yes, Irish deposit guarantee fund |
DIRT @ 33% |
3.02% |
|
| Raisin | 1 Year | €20,000 | €100,000 |
Restricted |
Banco Português de Gestão (Portugal) |
Yes, Portuguese Deposit Guarantee Scheme |
28% Withholding Tax (to be reconciled with Irish DIRT as self assessment |
4.00% |
|
| BCP | 18 Month | €50,000 | N/A | N/A |
Societe Generale (France) |
Not Covered |
DIRT @ 33% |
2.51%* |
|
| BCP | 3 Year | €50,000 | N/A | N/A |
Societe Generale (France) |
Not Covered |
DIRT @ 33% |
3.2%* |
|
| Cantor Fitzgerald | 3 Year | €50,000 | N/A | N/A |
Barclays Bank (Ireland) |
Not Covered |
DIRT @ 33% |
3.5%* |
|
| BCP | 5 Year | €100,000 | N/A | N/A |
NatWest (UK) |
Not Covered |
DIRT @ 33% |
4.1%* |
|
| Aviva | 3 Year | N/A | N/A | N/A |
Societe Generale (France) |
Not Covered |
DIRT @ 33% |
3.67%** |
|
| Aviva | 5 Year | N/A | N/A | N/A |
Societe Generale (France) |
Not Covered |
DIRT @ 33% |
3.76%** |
|
| Raison | 1 Year | N/A | €100,000 |
Restricted |
BluOr Bank AS (Latvia) |
Yes, The Latvian Deposit Protection Fund |
Latvian withholding tax of 20% (10%) offsetable against DIRT - self assessment) |
4.21% |
*Commission payment to broker (c.0.25%) - AER as stated **Annual Fee of 1% on account - reduce AER accordingly