Deposit Rates

Rates applicable from 13 May 2025.

Unsure about which account would best suit your savings goals? Visit Savings and Deposits to help you select the account which suits your needs or check out our Five Saving Tips.

If you have €3 million or more to deposit, there may be alternative deposit options available to you through our Treasury team. Please contact your Relationship Manager or your branch for further details.

Product

Rate Bands

Current Variable Rates

Minimum

Maximum

Gross %

A.E.R. % 

Online Saver
Online Regular Saver Rate

€10

€1,000 per month*

3.00%

3.00%

Online Standard Saver Rate

Balances above the  Monthly Limit

No Maximum

0.25%

0.25%

*We apply two variable interest rates on the daily account balance.
We apply the Online Regular Saver rate, on savings up to a monthly limit of €1,000 from the day you first lodge funds to the account. This monthly limit will increase by €1,000 up to a maximun of €12,000 for a twelve-month period. In month 13, and each year after that, the monthly limit resets to €1,000 and cycle restarts. We apply the Online Standard Saver rate to any balance above the monthly limit.

 

 

Product

Rate Bands

Current Variable Rates

Minimum

Maximum

Gross %

A.E.R. %

Online Notice Deposit 7

€0

€1,000,000

0.75%

0.75%

Personal Demand Deposit Account

€0

No Maximum

0.25%

0.25%

Junior / Student Saver Account

€0

€1,000.01

€1,000.00

No Maximum

3.00%

0.25%

3.02%

0.25%

 

 

Product

Minimum Balance

Term

Gross %

A.E.R. %

Gross Return at Maturity % (Total Return) 

Personal Fixed Term Deposit

€5,000

6 Months

1.50%

1.50%

0.75%

1 Year

2.00%

2.00%

2.00%

2 Years

2.25%

2.26%

4.55%

 

If you are a personal customer acting as a sole trader, please see below business savings products which are also available to you.

 

Product

Rate Bands

Current Variable Rates

Minimum

Maximum

Gross %

A.E.R. %

Demand Deposit Account

€0

No Maximum

0.25%

0.25%

 


Product

 

Balance

Minimum Notice Period

Gross %

A.E.R %

Business Notice Deposit

 

All Balances  31 Days 1.50% 1.50%

 

Product

Minimum Balance

Term

Gross %

A.E.R. %

Gross Return at Maturity % (Total Return)

Business Fixed Term Deposit

€5,000

6 Months

1.50%

1.50%

0.75%

1 Year

2.00%

2.00%

2.00%

2 Years

2.25%

2.26%

4.55%

 

These products are no longer available to open

Product

Rate Bands

Current Variable Rates     

Minimum

Maximum

Gross %

A.E.R. %

Youth Savings Account

€0 

€5,000.01

€5,000

No Maximum

1.50%

 0.25% 

1.50%

 0.25% 

Direct Deposit Access

€0

€1,000,000

0.00%

0.00%

 

A.E.R. is the Annual Equivalent Rate and shows what the interest rate would be if the interest was compounded and applied each year (instead of monthly or over any other period).

Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid.

For more detailed information on DIRT, visit the Revenue site.