Best Savings Interest Rates – 12 Month Fixed


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

Updated April 3rd 2024.


  • A&G Bank at Raisin 3.5% (Min €20k)

  • TF Bank at Raisin 3.45% ( Min €5k)

  • AIB 2.5% (Min €15k)

  • PTSB 2% (Min €5k)

  • BOI 2% (Min €5k)

 A €25,000 deposit at 3.5% for 12 months would earn €875 interest before DIRT (Tax)



# Raisin Bank – Bank Deposit Guarantees cover funds up to EUR 100,000 per customer .DIRT not deducted at source.  Gross deposit interest will need to be declared, to the Revenue. More about Raisin Bank

More details at Raisin.ie


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

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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