The best interest rates available to Irish residents on a 12-month fixed-rate deposit account.
Updated April 28th 2025.
- PTSB 2.75% (Min €5k)
- BluOr Bank Raisin 2.5% (Min €1)
- Auto Bank via Raisin 2.5% (Min €30k)
- AIB 2.25% (Min €15k)
- BOI 2.25% (Min €5k)
Bunq is currently paying 2.51% interest with instant access. (It is protected up to €100k by the Dutch Bank Guarantee.)
Trade Republic Bank is a digital investment platform. Any cash you hold in your account, which you haven’t invested in stocks ,etc, will earn you interest on any balance up to €50,000. The interest rate is currently 2.5% with instant access.
# Raisin Bank – Bank Deposit Guarantees cover funds up to EUR 100,000 per customer per bank .DIRT not deducted at source. Gross deposit interest will need to be declared, to the Revenue. More about Raisin Bank
Links to savings provider sites are provided solely as a convenience to the user and do not constitute any endorsement of such sites.
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