Best Savings Interest Rates – 12 Month Fixed

The  best interest rates available to Irish residents on 12-month fixed-rate savings accounts . Updated JFebruary 27th 2020

  • Banca Farmafactoring via Raisin Bank 0.7%  (Min €5000) #
  • BlueOrange via Raisin Bank 0.65% (Min 20k)
  • PTSB  0.35% Min €10k
  • KBC 0.35% (Min €3k) (0.6% available with an “Extra current account”)
  • EBS 0.2% (Minimum €10k and ESB current account needed)

 A €20,000 deposit at 0.85% for 12 months would earn €170 interest before DIRT (Tax)

# Raisin – DIRT not deducted at source.  Gross deposit interest will need to be declared, to the Revenue. More details at

Instant Access Rates

Regular Saver Accounts

One Year Fixed

Other Fixed Rates

If you are looking at alternative forms of investment – such as stocks and shares – you should take a look at our article How to Buy Shares in Ireland