Your savings, put to work in real trade.
Earn 3.000% with withdrawals any time, or up to 12.00% over 3 years when you commit. Your money buys invoices owed by large, creditworthy companies. If one isn't paid, Credebt® buys it back, so we take the loss before you do.
Not sure which account suits you? Answer three quick questions.
Standard yields as at 15-Oct-2026, before tax. Examples are illustrative. Not a bank deposit. Not covered by the Deposit Guarantee Scheme. Capital at risk.
More than the best bank rate in Ireland, on every term.
Choose how long your money is committed. You can split savings across all three and set up a monthly debit on a date that suits you.
| Account | Investabill® Direct | AIB, Bank of Ireland or PTSB, same term |
|---|---|---|
| DemandWithdraw whenever you like. Interest applied daily.Choose Demand → | 3.000%a year | 0.250%AIB, instant access |
| FixedCommitted for 12 months. Up to 20.00% can be withdrawn before maturity; further withdrawals forfeit some or all Investment Yield.Choose Fixed → | 3.750%a year | 2.400%Bank of Ireland, 1-year fixed |
| TermCommitted for 36 months. 12.00% in total. Up to 20.00% can be withdrawn before maturity; further withdrawals forfeit some or all Investment Yield.Choose Term → | 12.00%over 3 years (3.850% a year, compounded) | 6.130%PTSB, 3-year fixed, in total (2.000% a year) |
Bank rates: the best standard rate from AIB, Bank of Ireland and PTSB on a deposit of EUR 100,000.00 for the same term, leaving out promotional, new-customer, tiered and paid-plan rates, as published on each bank's website, checked 23-Oct-2026. Bank rates are before DIRT and covered by a deposit guarantee; Investabill® is not. Investabill® yields can change on 30 days' notice.
Not a bank deposit. Not covered by the Deposit Guarantee Scheme. Capital at risk. Risks
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
A bank doesn't know who will use your money. We do.
Your savings fund a specific transaction that is already waiting. That certainty is why we can pay more.
You save
Open an account in minutes. Add a lump sum or a monthly debit.
We buy an invoice
An Irish or European supplier has delivered goods to a large, creditworthy buyer and wants paying now.
The buyer pays
The buyer settles the invoice in full, typically within 75 days, into Credebt®'s account.
You earn
The discount on the invoice becomes your return. Your money moves on to the next one.
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 sits the Credebt® Guarantee and a proprietary reserve of more than EUR 40.0m.
- 1
Replace the invoice
An unpaid invoice is swapped for another from Credebt®'s large pool.
- 2
20.00% held back
We pay about 80.00% of an invoice's value up front. The rest is held against default.
- 3
Loss and default fund
Every traded invoice pays into a fund used only to buy back unpaid ones.
- 4
AIG credit insurance
A policy specific to these invoices refunds losses the first three layers don't cover.
- €
Your savings
Plus the EUR 40.0m+ Credebt® reserve, used to repurchase at Credebt®'s discretion.
Questions savers ask
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.
Start earning more on your savings today.
Opening an account takes a few minutes. Prefer to talk it through? Call our switchboard on +353 1 685-3677.