Standard yields as at 15-Oct-2026

Access and return balance within Investabill®

Investors may choose their preferred balance between access and return. Investabill® enables investors to commit funds accessible on-demand, committed for 1 year, or 3 years for a fixed higher return.

Investabill® Demand

3.000% p.a.

On demand

  • The on-demand alternative to bank deposits
  • Withdraw whenever you like
  • Yield calculated daily
Choose Demand

Investabill® Fixed

3.750% p.a.

For 12 months

  • Funds committed for 12 months
  • Up to 20.00% can be withdrawn prior to term; further withdrawals forfeit some or all Investment Yield
Choose Fixed

Investabill® Term

12.00% over 3 years

3.850% p.a., compounded over 36 months

  • Funds committed for 36 months
  • Up to 20.00% can be withdrawn prior to term; further withdrawals forfeit some or all Investment Yield
Choose Term

Credebt® Exchange reserves the right to change the Investment Yield at any time giving 30 days’ notice. Returns are subject to Capital Gains Tax. Investabill® is not a bank deposit and is not covered by the Deposit Guarantee Scheme.

Compare Credebt® Exchange yields with bank deposit rates →

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

Interest at 0.250%EUR 50.00
DIRT at 33.00%− EUR 16.50
You keepEUR 33.50

EUR 20,000.00 for one year in Investabill® Demand

Return at 3.000%EUR 600.00
CGT, within the EUR 1,270.00 exemptionEUR 0.00
You keepEUR 600.00
Term, 3 years12.00% in totalOpen an account