Regular Savings Accounts in Ireland – The best rates available.
Updated October 7th 2017
- EBS Family Saver 3% (fixed – 1st year only) Min opening deposit €1 maximum €1,000. . Monthly direct debit of between €100 and €1,000 required. Max Bal 12k. Two withdrawals a year allowed.
- KBC Extra Regular Saver 2.5 % Min €100 Max €1000 per month . (You also have to have a KBC Extra Current Account to get this rate – otherwise it’s 0.5%)
- AIB Regular Saver 1.5%Min 10 euro per month, max 1000 euro per month. (Rate is For 1st Year Only)
- BOI 1.35% – Goalsaver Acc . Max 15000 (BOI current acount required)
If you were to put €1000 a month into the EBS regular saver account you would earn interest (before DIRT) of €166 in a year.
For comparison – If you put €12,000 straight into the best lump sum instant access account you would earn interest of just €61 before DIRT. (PTSB @ 0.51%)
Putting €12000 into the best 1 year fixed rate account at 0.75% (KBC) would earn you €90 in interest before DIRT.
The best option is to drip feed an EBS regular savings account from another instant access savings account.