Highest Personal & Business Deposit Rates
This is the Investabill® premium rate tier. Designed for investors who understand the value of commitment and expect returns that reflect it. Institutional infrastructure. Full capital protection. No compromises.
Credebt® Guarantee
AIG® Insurance
Premium rate series
At this tier, every product delivers above-market returns. The structure is simple: the longer your commitment, the higher your yield. No ambiguity, no fine print.
Note: Fixed and Term allow for 20.00% redemption without affecting Yield
The institutional stack
Investabill® does not rely on a single layer of protection. The platform is engineered with redundant safeguards — each independently verifiable.
Credebt® appoints qualified, non-executive, independent directors to its board. They provide unbiaised governance, risk and compliance comparable with regulated institutional oversight.
Credebt uses EUR 40.0+ of its own funds as Reserves to protect investors. These Reserves take 'first loss' on any distressed or delinquent ETR. The Credebt® Guarantee is your accurance your funds are safe.
Combined with the Credebt® Guarantee, AIG® insurance is dual-layer protection for all Investabill® savings. These two independent mechanisms are both working to shield your capital.
Straightforward process
No intermediaries. No unnecessary complexity. A direct path from application to earning.
Indicate your preferred product and amount. Our system matches you to the right structure based on your stated objectives and investment horizon.
Review your rate, term, and protection structure. Everything is presented upfront — rates, conditions, and the full capital protection framework.
Transfer funds and your yield begins accruing immediately. Performance is trackable, and our team is available for ongoing portfolio guidance.
Premium tier products
At the 5.000% tier, every product benefits from the full institutional stack. The only variable is your commitment period.
Full liquidity at the highest demand rate available on the platform. For investors who want optionality without sacrificing yield.
The flagship product at this tier. A 12-month commitment that locks in the highest annual fixed rate currently available through Investabill.
Maximum total yield over a 36-month cycle. Structured for investors with a clear three-year outlook who want compounding to work in their favour.
Detailed answers
Receivables are purchased at a discount by the Credebt Exchange® Trade Desk. Each ETR trade is assigned on a one-to-one basis with its rightful owner. The investor, and not with Credebt®, to provide a formal, auditable chain of ownership from origination to settlement.
Yes. Your capital is protected by a multi-tiered system that includes insurance from AIG, the Credebt® Guarantee, and a structured capital protection framework. Investabill® has operated for over 12+ years with zero capital losses to investors.
In over 12 years of continuous operations, Investabill® has recorded zero capital losses to investors. The combination of insurance from AIG® and the Credebt® Guarantee structure has protected capital through multiple economic cycles including the Pandemic Economic Crash (2020) and the "Silent" Debt Crisis (2025–2026).
Investabill® is not regulated by the Central Bank of Ireland. Regulated does not mean protected. Credebt® is self regulated and funds the Credebt® Guarantee to protect investors. If Credebt® was regulated by the Central Bank of Ireland, it could not offer the yields or protection listed on this website.
The AIG® insurance covers specific trade credit risk on individual receivables. The Credebt® Guarantee is a broader structural commitment from the platform itself, providing an additional layer of capital protection beyond the insurance policy. They operate independently, creating redundancy in the protection framework.
Returns are generally subject to Capital Gains Tax rather than DIRT. For individuals, the annual CGT exemption of EUR 1,270 applies. Corporate investors are taxed at the standard 12.50% rate. At 5.000% yield, the tax-efficient structure can meaningfully increase your effective after-tax return compared to deposit products. Professional tax advice is recommended.
Limited availability
This is the highest fixed yield tier available on the Investabill® platform. Allocation is subject to availability within the current rate series.