The best interest rates on Instant Savings Accounts in Ireland:
Rates checked December 21st 2018
(We looked at accounts with less than 30 days notice)
- KBC Smart Access 0.25% Min €3000 Max €100k (0.5% available on the 35 day notice account)
- PTSB Bonus Booster – 0.21% (no more than 2 withdrawals a year)
- State Savings deposit account 0.15%
Some of the lowest interest rates include 0.01% at EBS and AIB – that would earn you just €1 on €10,000 in a year before tax.
Even the best rate of 0.25% will only earn €25 on €10,000 in 12 months before tax
If you can put aside a regular amout each month – you might get slightly 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