Best Interest Rates on Fixed Term Savings Accounts

List of the best interest rates available (NET) on Fixed Term deposit accounts available in Ireland.

Updated May 10th 2020

The Interest Figures in bold are after DIRT where applicable.
(DIRT used is  33%  )


  • 10 Years
  •  5 Years
    • 0.98%  AER State Savings Certificates 18th issue
    • 0.53% AER  J&T Banka # via Raisin.ie (0.79% before DIRT)

  •  4 years
    • 0.5% Dirt Free State Savings
    • 0.46% (0.69% before DIRT) J&T Banka via Raisin.ie #

  • 3 Years
    • 0.77%  BlueOrange via Raisin.ie (1.16% before DIRT) *
    • 0.33% AER – State Savings:

  • 2 Years
    •   0.703% AER  BlueOrange via Raisin.ie   (1.05% before DIRT) *
    •   0.26 % AER (0.4% before DIRT)  PTSB

* BlueOrange  is based in Latvia
Deposit Protection: €100,000 via Latvian Deposit Guarantee.
Minimum: €20,000.
Access: At the end of the term.
Tax: DIRT not deducted at source. Latvian bank interest withholding tax is 20% . This can be lowered to 10% by providing a certificate of tax residence. Deposit interest, and tax paid in Latvia, will need to be declared, to the Revenue, who may then charge you the difference between the DIRT rate and the tax rate paid in Latvia.

Welcome Bonus of up to €50 is available for all new Raisin customers. Find out more and apply for an account here via Raisin


# J&T Banka is based in the Czech Republic
Funds are protected in full by the Czech Deposit Guarantee Scheme for amounts up to EUR 100,000 per customer.
DIRT is not deducted at source. Czech Republic withholding tax will apply but will be reduced to zero if a certificate of tax residency is supplied. Gross deposit interest and any withholding tax paid will need to be declared to the Revenue. Min €10,000 Max €100,000 .
 Welcome Bonus of up to €50 is available for all new Raisin customers. Find out more and apply for an account here via Raisin

Best Instant Access Deposit Rates

Best Rates on Regular Saver Accounts

Best 1 Year Fixed Deposit Interest Rates

Raisin Ireland Fixed Savings Account

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