Interest Rates on Instant Access Deposits

The best interest rates on Instant Access Deposits in Ireland: 

Rates checked November 18th 2017
(We looked at accounts with less than 30 days notice)

  1.  PTSB Bonus Booster – 0.51% (no more than 2 withdrawals a year) (Rate reducing in Jan 2018)
  2.  KBC Smart Access  0.3%     Min €3000 Max €100k (0.5% available on 35 day notice account)
  3. RaboDirect  0.15% (online only). Min €1 Max €50k


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