Best Savings Interest Rates – 12 Month Fixed

The  best interest rates available to Irish residents on 12-month fixed-rate savings accounts :

Updated November 21st  2019

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

 A €10,000 deposit at 0.5% for 12 months would earn €50 interest before DIRT (Tax)

# Raisin – DIRT not deducted at source. Spanish withholding tax is zero per cent. 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