readysteadygo
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The rates quoted are CARs alright but the effective rate might come from applying that CAR to incremental regular lodgements - e.g. full 6.25% on your first lodgement 11/12ths on the next, 10/12ths on the next etc. (ignoring compounding)? But I'm not sure that the rate is absolutely correct. For example 18 monthly lodgements of €100 at 6.25% CAR yields a total value of €1,889.14 or a return of €89.14 = 4.95% (gross) according to this calculator.
IFSRA have already done their bit.
[broken link removed]
The customer needs to do theirs. Caveat emptor.