Best Savings Interest Rates – 12 Month Fixed

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

Updated March 27th 2023.

  • BluOr Bank 3.21% via Raisin Bank #Min €1 Max €100k)

  • Banco Português De Gestãovia at Raisin # 3.15% (Min €10k Max €100k)

  • PTSB 1%
  • BOI 0.5%

 A €25,000 deposit at 3.21% for 12 months would earn €802 interest before DIRT (Tax)

Note : Irish residents can currently get an interest rate of 2% (Instant Access) with Trade Republic on balances of up to €50,000.

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

Links to savings provider sites are provided solely as a convenience to the user and do not constitute any endorsement of such sites.

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