Put your savings
to work in
Irish trade.
12.00%over 3 years in Term. Or 3.000% a year in Demand, with withdrawals any time.
- Demand3.000%a year
- Fixed3.750%a year
- Term12.00%3 years
Not a bank deposit. Not covered by the Deposit Guarantee Scheme. Capital at risk. Risks
See it grow.
EUR 100,000.00 in Term for 3 years, next to the best 3-year rate from AIB, Bank of Ireland or PTSB.
Before tax. PTSB 3-year fixed, checked 23-Oct-2026.
Three ways to save.
Choose how long your money is committed. Split your savings across all three if you like, and add to them by monthly debit on a date that suits you.
Four steps. A few minutes.
Your money is held in segregated client accounts at Barclays Bank Ireland.
- Step 1Open your accountA few minutes on your phone.
- Step 2Add your savingsAny amount. Choose Demand, Fixed or Term.
- Step 3Your money worksIt funds invoices owed by large companies.
- Step 4Watch it growYour yield builds up while your money works.
Your savings, at work in Irish trade.
A bank can't tell you who uses your money. We can. Your savings fund a specific trade that is already waiting. That certainty is why we can pay more.
- You save with Investabill®.
- Your money pays an Irish supplier now.
- The goods ship to a large buyer.
- The buyer pays the invoice in full.
- And the yield comes back to you.
Real Irish trade, every month.
Savers’ money financed EUR 61.33m of invoices in 2026 so far.
From the monthly briefings. October against October 2025.
Ahead of AIB, Bank of Ireland and PTSB.
On every term, against each bank's best standard rate.
Before tax. Against the best standard rate from AIB, Bank of Ireland or PTSB, same term, checked 23-Oct-2026. Bank deposits are covered by the Deposit Guarantee Scheme; Investabill® is not.
Keep more of what you earn.
Bank interest loses 33.00% to DIRT. Investabill® returns are taxed as capital gains instead, and the first EUR 1,270.00 of gains each year is exempt for individuals. Your own position depends on your other gains, so take tax advice.
EUR 20,000.00 for one year in AIB's instant-access account
EUR 20,000.00 for one year in Investabill® Demand
13 years. EUR 0.00 lost.
- Loss and default fund
- Segregated accounts at Barclays Bank Ireland
- Monthly debit on a date that suits you
- Unpaid invoices bought back within 90 days
- Credebt® reserve of more than EUR 40.0m
- Backed by the Credebt® Guarantee
- Yield calculated daily on Demand
- No minimum
- 21 days to change your mind
We lose money before you do.
For every Direct saver: Credebt® Exchange is contractually committed to buy back any invoice that isn't paid within 90 days. Behind that sit the Credebt® Guarantee and a proprietary reserve of more than EUR 40.0m.
- Replace the invoiceAn unpaid invoice is swapped for another from Credebt®'s large pool.
- 20.00% held backWe pay about 80.00% of an invoice's value up front. The rest is held against default.
- Loss and default fundEvery traded invoice pays into a fund used only to buy back unpaid ones.
- AIG credit insuranceA policy specific to these invoices refunds losses the first three layers don't cover.
- Your savingsPlus the EUR 40.0m+ Credebt® reserve, used to repurchase at Credebt®'s discretion.
Can I withdraw whenever I like?
Yes, from Demand. On Fixed and Term, up to 20.00% can be withdrawn before maturity; further withdrawals forfeit some or all Investment Yield, so keep money you may need on Demand.
Is there a minimum?
No. Saving less than EUR 50.00 to EUR 100.00 a month is hardly worth it, but there is no minimum or maximum.
Where is my money held?
In segregated client accounts at Barclays Bank Ireland, kept apart from Credebt®'s own funds.
Is this a bank deposit?
No. Investabill® buys trade invoices rather than holding deposits, so it is not covered by the Deposit Guarantee Scheme and is not regulated by the Central Bank of Ireland. It is protected by the four layers above and the Credebt® Guarantee.
Can I change my mind?
Yes. You have 21 days from when your funds arrive to cancel without giving a reason and get your money back.
Put your savings
to work.
No minimum. 21 days to change your mind.
Not sure which account suits you? Answer three quick questions. Or call our switchboard on +353 1 685-3677.
Investabill® is not a bank deposit, is not covered by the Deposit Guarantee Scheme and is not regulated by the Central Bank of Ireland. Capital is at risk. Read the risks