Best Savings Interest Rates – 12 Month Fixed


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

Updated November 29th 2022.


  • Banco Português De Gestão via Raisin Bank 2.65% (Min €10k Max €100k)
  • BluOr Bank via Raisin 2.56% (Min €1 Max €100k)
  • BFF Banking Group via Raisin Bank 2.5%  (€5k Min. Max 100k)

  • PTSB 0.05%
  • BOI 0.05%


 A €20,000 deposit at 2.65% for 12 months would earn €5300 interest before DIRT (Tax)

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



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