Investabill® for individual investors
Make your money work for you.
Open an account directly, in minutes. No adviser, no fees and no minimum. Your money funds invoices owed by large, creditworthy companies, and you choose how long to commit it.
Investments are secure, insured and liquid. Investors can expect higher returns than bank deposits, with similar security and liquidity.
Not sure which suits you? Answer three quick questions.
Standard yields as at 15-Oct-2026. Not a bank deposit. Not covered by the Deposit Guarantee Scheme. Capital at risk.
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.
Choose your balance of access and return.
Keep money you may need on Demand, and commit what you won’t need for a higher return. You can hold more than one account and split your savings between them.
Investabill® Demand
Withdraw any time
For everyday savings and rainy-day money: a better return than a bank account, and the basis of Investabill® for more than 13 years.
- The on-demand alternative to bank deposits
- Withdraw whenever you like
- Yield calculated daily
Investabill® Fixed
Fixed for 12 months
A higher yield, agreed for 12 months, for money you won’t need this year.
- Funds committed for 12 months
- Up to 20.00% can be withdrawn prior to term; further withdrawals forfeit some or all Investment Yield
Investabill® Term
3.850% p.a., compounded over 36 months
Our highest standard yield, for money you can commit for three years.
- Funds committed for 36 months
- Up to 20.00% can be withdrawn prior to term; further withdrawals forfeit some or all Investment Yield
Returns are subject to Capital Gains Tax. Yields can change on 30 days’ notice. Not a bank deposit. Not covered by the Deposit Guarantee Scheme. Capital at risk. Risks
How your money earns.
Your savings buy Exchange Traded Receivables [ETR]: invoices raised by smaller businesses and owed by large companies, often blue-chip firms or governments. Each one is bought at a discount. When the invoice is paid in full, that discount is your return. Hundreds are bought, sold and settled every day.
You save
A lump sum, or a monthly amount on a date you choose.
We buy invoices
Credebt® Exchange buys invoices owed by Investment Quality companies, at a discount.
The buyer pays
Large companies settle in full, typically within 75 days.
You earn
The discount becomes your yield, and your money moves on to the next invoice.
Trade finance
Lets smaller companies trade with much larger ones, in global trade, transport and shipping, mining and energy. Managed by Trade Credebt®.
Asset finance
Funds plant, machinery and ships. Credebt® typically pays about 50.00% of an asset’s value and owns it outright; the operator pays the rest, which gives it every reason to keep paying. Managed by Credebt® Shipping.
Your money, when you need it.
Investabill® Demand is built as an alternative to a bank deposit: withdraw whenever you like, and the money comes back fast.
On Fixed and Term, up to 20.00% can be withdrawn before the end of the term; further withdrawals forfeit some or all Investment Yield, so keep money you may need on Demand.
| Amount withdrawn | Paid within |
|---|---|
| EUR 0.00 – EUR 50,000.00 | 1-2 days |
| EUR 50,000.00 – EUR 100,000.00 | 2 days, or less |
| EUR 100,000.00 – EUR 250,000.00 | 3 days, or less |
| EUR 250,000.00 – EUR 500,000.00 | 5-7 days |
| EUR 500,000.00+ | Subject to market conditions |
Four layers between a missed payment and your savings.
Every invoice is protected by the 4-Tier Capital Protection policy, documented and enforced on every trade.
- 1
ETR Off-set
Any unpaid ETR is replaced by a new ETR
Credebt® Exchange controls a large ‘pool’ of Investabill®
- 2
Reserve
80.00% is the average amount paid to Purchase an ETR
The remaining 20.00% Reserve protects against default
- 3
Loss & Default
All Traded ETR contribute to the Loss & Default fund
The Loss & Default fund exclusively supports ETR Repurchase
- 4
AIG Insurance
ETR specific AIG policy supports 4-Tier Capital Protection
AIG Credit Default Protection [CDP] refunds Investors
What you should know
- Investabill® is not a bank deposit and is not covered by the Deposit Guarantee Scheme. Your capital is at risk.
- Credebt® Exchange is not regulated by the Central Bank of Ireland in operating the Exchange.
- The Credebt® Guarantee operates at Credebt®’s discretion. Insurance protection depends on AIG paying claims.
- Your money is held at Barclays Bank in Dublin, Ireland.
Taxed as a gain, not as deposit interest.
Returns from ETR are subject to Capital Gains Tax rather than DIRT, and individuals have an annual CGT exemption of EUR 1,270.00. Companies are generally taxed at 12.50% on the profit.
Investabill® does not deduct tax. Everyone’s circumstances are different, so get independent tax advice. Tax FAQ
Three recent investor results
- Investabill® Demand
- Investor
- Secondary School
- Invested
- EUR 700,000.00
- Period
- 12 months, redeemed day 297
- Yield earned
- EUR 120,212.50
- Investabill® Fixed
- Investor
- Married Couple
- Invested
- EUR 483,017.00
- Period
- 12 months, redeemed day 365
- Yield earned
- EUR 19,320.68
- Investabill® Term
- Investor
- Private Company
- Invested
- EUR 150,000.00
- Period
- 36 months, redeemed at maturity
- Yield earned
- EUR 22,410.00 (coupon encashed)
These are past results for individual investors. Past performance is not a reliable guide to future returns.
The detail.
Investment policy and advantages
- Investment yield is achieved by purchasing ETR at a discount
- Coupon/yield paid quarterly or annually
- Redemption on demand is possible, subject to liquidity
- Discretionary investments in any other assets are not permitted
- Interest is fixed income
- Funds are reinvested on a revolving basis for the duration of the investment period
- Investabill® offers a stronger return than bank deposits
- Returns are from Investment Quality invoices payable by blue chip companies and government organisations
- There are no fees for Investors in Investabill®
- Investors may choose from lodge and withdraw ‘on demand’ ETR or invest for committed periods for higher returns
- Credebt® Exchange may issue securities or borrow against ETR
Risk factors
- Historical data may not be a reliable indication for the future
- The risk category shown is not guaranteed and may shift over time; the lowest category does not mean ‘risk free’
- Counterparty risk of AIG failure, or refusal, to settle insurance claims
- Investments in Advance ETR/f-ETR purchased by Credebt® Exchange on its own account
- Operational risk relating to the safekeeping of assets or funds
- Redemption on demand is subject to liquidity, with a 75-day average settlement cycle
- The Synthetic Risk and Reward Indicator [SRRI] is based on 2 years’ data only
ETR are neither a financial instrument nor an investment instrument and Credebt® Exchange is not regulated by the Central Bank of Ireland as a result of operating the Exchange and providing the Exchange Services. The SRRI value is generated in accordance with CESR 10/673; Investabill® can be compared to Asset Backed Commercial Paper [ABCP]. Investment Quality is a combination of Investment Grade [IG] organisations and other creditworthy organisations, as determined by AIG and other credit rating agencies.
Where the money goes in detail
Trade finance
Credebt® Exchange buys and owns large plant and machinery, typically paying c.50.00% and owning it 100.0% outright, with the operator paying the rest. c.10.00% of Credebt®’s income comes from mining assets on 5-15 year contracts, and Credebt® finances energy plants whose power is bought by national power companies and government agencies. Credebt® controls all the ETR income from these assets.
Asset and shipping finance
Credebt® owns ships, paying c.50.00% and owning them outright while the disponent owner pays the rest; if repayments fail, the vessel is sold and investors’ funds are returned. Credebt® also finances the shipping cost of cargoes, which are not discharged until that cost is paid, and off-shore vessels chartered by oil and gas companies and governments. All income is received into the Credebt® bank account.
Ready when you are.
Open your account in minutes and fund it by bank transfer. You have 21 days to change your mind.