Purpose-built for serious savers
You have done the research. You know that bank rates are not keeping up. Investabill® offers three distinct savings options — each protected, each flexible, each designed to deliver real returns on your terms.
Credebt® Guarantee
AIG® Backed Insurance
Current rate series
Investabill® gives you three clearly defined options. No hidden charges, no complicated fee structures. Just transparent returns matched to your time horizon.
Note: Fixed and Term allow for 20.00% redemption without affecting Yield
Institutional-grade infrastructure
Every Euro saved with Investabill® benefits from a structured protection framework. These are not marketing promises — they are operational realities.
Investor funds are held in a dedicated Quistclose Investors' Account at Barclays Bank Ireland, Plc. Funds are legally separated from operating company assets. Your savings never touch the Credebt® balance sheet.
Trade receivables financed through Investabill® carry insurance coverage from AIG — one of the world's largest and most established insurers.
Each savings account is protected by AIG® Backed Insurance and the Credebt® Guarantee.
Your path from here
We have streamlined the process so you spend less time on paperwork and more time watching your savings grow.
A short guided questionnaire helps us understand your savings preferences. Based on your answers, we recommend the option that aligns with your financial objectives.
We present your recommended option with full transparency on rates, terms, and protection measures. You review everything before committing a single Euro.
Transfer your funds and start earning immediately. Your returns accrue from day one, and you can track performance at any time through your account.
Three products, one platform
Whether you need instant liquidity, a 12-month commitment, or long-term compounding — there is a product designed for the way you save.
For investors who want above-market returns without sacrificing liquidity. Your capital works harder while staying fully accessible.
The core of the Investabill offering. A one-year commitment that delivers a fixed, predictable return with partial liquidity built in.
For investors with a longer outlook who want to maximise total returns through compounding over a three-year cycle.
Your questions answered
Demand gives you full liquidity at 3.600% per annum. Fixed locks in 4.500% for 12 months with up to 20.00% withdrawable. Term commits for 36 months at 15.00% total, with the same 20.00% annual withdrawal option. The longer you commit, the higher the return.
Your funds are used to purchase Exchange Traded Receivables [ETR]. ETR are Loans or Bills, issued under Contract, (each an “Investabill”) and such Investabill, so offered, as defined in the Investor Master Agreement ETR. These receivables are bought at a discount. The difference between purchase price and Face Value generates the yield distributed to investors.
The rates quoted are net to you. There are no management fees, no entry charges and no exit penalties (apart from bank charges) on the Demand product. For Fixed and Term, the only consideration is withdrawing more than 20.00% before maturity means accrued interest may be forfeited.
Yes. Many investors allocate a portion to Demand for immediate access and the remainder to Fixed or Term for higher returns. This approach balances liquidity with yield, and there is no restriction on how you distribute your funds.
Demand withdrawals are processed promptly. There is no notice period and no penalty for accessing your funds. Your yield continues to accrue on the remaining balance from the day after withdrawal.
At the end of your 12-month Fixed term, you can withdraw your full balance including accrued interest, reinvest at the prevailing rate, or reallocate across different products. The choice is entirely yours and our team is available to discuss your options.
Your next move
4.500% fixed yield. Institutional protection. Full transparency. Find out which option fits your plan — it only takes a few minutes.