Best Savings Interest Rates – 12 Month Fixed


The best interest rates available to Irish residents on a 12-month fixed-rate savings account.

Updated January 2nd 2022.

  • Banco Português De Gestão via Raisin Bank 0.56% (Min €10k)
  • J&T Banka via Raisin Bank 0.3%  (Min €10k)
  • PTSB 0.05%

 A €20,000 deposit at 0.56% for 12 months would earn €112 interest before DIRT (Tax)

All new Raisin customers get a welcome bonus of up to €100

# Raisin – DIRT not deducted at source.  Gross deposit interest will need to be declared, to the Revenue. More details at

Instant Access Rates

Regular Saver Accounts

One Year Fixed

Other Fixed Rates

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