Interest Rates on Instant Access Deposits

The best interest rates on Instant Access Deposits in Ireland: 

Rates checked January 4th 2018
(We looked at accounts with less than 30 days notice)

  1.  KBC Smart Access  0.3%     Min €3000 Max €100k (0.65% available on 35 day notice account)
  2. PTSB Bonus Booster – 0.21% (no more than 2 withdrawals a year)
  3. RaboDirect  0.15% 30 days notice (online only). Min €1 Max €50k
  4. State Savings deposit account 0.15%


If you can  put aside a regular amout each month – you will get better interest  rates on a regular saver account.  See here for the Best Rates on Regular Saver Accounts.

Usually you will also get better interest  rates if you are willing to tie up your lump sum for a fixed term… see the  Best 1 Year Fixed Deposit Interest Rates and the Best Rates on Fixed Terms Up To Five Years

instant access interest rates ireland