Services
About Us
Let’s Talk
Services
About Us
Let’s Talk

Strong wealth strategies are built on solid foundations, and that begins with effective cash management. In partnership with Raisin.ie, Fairstone offers clients a secure and efficient way to optimise their liquidity and generate passive returns, all while preserving capital.

Find The Best Return For Your Deposit Savings

Did You Know?
Did You Know?

Did You Know?

Irish residents can open deposit accounts in other EU countries, often with better interest rates and the same deposit protection. 

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How it works?

Explore Options.
Explore Options.  Review savings offers from multiple trusted EU banks.
Select the Best Fit.
Select the Best Fit. Choose between fixed-term or demand-access accounts.
Open Your Account Online.
Open Your Account Online.  Submit your documentation digitally in just minutes.
Track Your Growth.
Track Your Growth.  Access your Raisin dashboard 24/7 and manage your holdings with ease.
How it works?

Why choose Fairstone & Raisin

Clarity & Simplicity

Clarity & Simplicity

No jargon, just clear, practical savings options.
Market-Leading Rates

Market-Leading Rates

Leverage Raisin’s platform to access some of the top deposit rates across Europe.
Flexibility

Flexibility

Tailored solutions from short-term access to longer-term certainty.
No Hidden Fees

No Hidden Fees

Enjoy a fee-free experience with full transparency.
Centralised Oversight

Centralised Oversight

One login, one platform, all your savings in one place.

What You'll Need to Open an Account

To open and activate your account on the Raisin platform, you will need to complete the standard Know Your Customer (KYC) checks. The process is simple but certain documents are required:
1. Proof of Identity

1. Proof of Identity

  • A valid passport is required for verification.
  • Please note that driver’s licences are not accepted.
2. Proof of Address

2. Proof of Address

You will need a document issued within the last three months showing your full name and residential address, along with the logo of the issuing bank, utility provider, or government authority.

Acceptable documents include:

  • A recent bank statement
  • A utility bill (gas, electricity or water, mobile or broadband bills cannot be used)
  • An official letter from a government department such as the Department of Social Protection or Revenue
3. Additional Information

3. Additional Information

Your Personal Public Service Number (PPSN)

An active current account in your own name (individual or joint), held with either:

  • An Irish bank, or
  • A bank based in another European country (All SEPA current accounts are automatically enabled for transfers)
Is My Capital Secure?

Is My Capital Secure?

Yes. All deposit accounts accessed via Raisin are protected under the EU Deposit Guarantee Scheme, securing up to €100,000 per individual per bank, ensuring full compliance and peace of mind.

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Is My Capital Secure?

Frequently Asked Questions

How long does it take to open an account?

Typically within 24–48 hours once documents are verified.

Can I access funds early on fixed-term products?

No. Fixed-term accounts are binding until maturity. Consider demand accounts for greater flexibility.

Is withholding tax applied?

Many banks offer “no withholding tax” options for Irish residents. Interest must still be declared on your Irish tax return.

Are there any platform fees?

No. The Raisin platform is entirely free to use.

Can I deposit in other currencies?

All Raisin deposit accounts available to Irish residents are EUR-based.

Don't Leave Capital Sitting Idle
Don't Leave Capital Sitting Idle

Don't Leave Capital Sitting Idle

Whether you’re planning liquidity reserves, diversifying low-risk assets, or preserving cash within your broader wealth strategy, this is a secure and efficient tool to enhance returns.

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NOTE:

  • *AER shows you what the interest on a savings account would be if the interest was compounded and paid out to you each year (instead of monthly or over any other period). You may earn less than the AER because your money may not be invested for as long as a year.
  • All rates shown and interest achievable are indicative. Information is correct as of 23/06/2025.
  • By choosing a savings account which is not subject to withholding tax, you will not be liable to pay any such tax in the country where the bank is based. However, you must declare any interest earned in your Irish tax return.
  • Fairstone does not accept, hold or transmit client funds as part of the deposit referral service. Fairstone provides an optional service to the customer in relation to deposit products via referral to the Raisin platform, which is free of charge. Fairstone does not engage in any advice or recommendation vis-à-vis the customer regarding the type or suitability of deposit products. Having quick and easy access to an emergency fund via bank deposit or other such accounts is a vital part of any personal financial plan.
  • Interest earned may be subject to Deposit Interest Retention Tax (DIRT).