A List of the Best Interest rates on Fixed Term Deposit Accounts available in Ireland.
Updated April 5th 2024
Note: You can get 4% Interest with instant access on balances of up to €50,000 at Trade Republic . (* see below)
10 Years Fixed
- 2.01% AER State Savings National Solidarity Bond (No DIRT)
5 Years Fixed
- 3.25% TF Bank via Raisin Min €5k
- 2.83% PrivatBanka via Raisin.ie Min €5k
- 2% PTSB
- 1.74% (Tax Free) State Savings Certificates 18th issue
4 Years Fixed
- 3.25% TFBank via Raisin (Min €5k)
- 2.87% – Privat Banka Via Raisin (Min €5k)
3 Years Fixed
- 3.25% AER TF Bank Via Raisin (Min €5k)
- 3.06% Banco Português de Gestão (Min €20k) Via Raisin
- PTSB 3%
- 1.32% AER – State Savings: Savings Bond (Tax Free)
2 Years Fixed
- 3.4% TF Bank Via Raisin (Min €5k)
- 3.34% A&G via Raisin (Min €20k)
- BOI 1.98%
- Banca Privata Leasing is an independent, private bank, specialising in leasing and online deposit-taking. Deposits are guaranteed up to an amount of EUR 100,000 per customer by the Italian deposit guarantee fund.
- Banco Português de Gestão is a small Portuguese private corporate and investment bank. Deposits – including accumulated interest – are guaranteed up to an amount of EUR 100,000 per customer and bank by the Portuguese deposit guarantee fund.
- Deposits at BluOr Bank AS are legally protected by the Latvian Deposit Guarantee Scheme up to a maximum amount of €100,000 per depositor .
- TF Bank is based in Sweden. Deposits are guaranteed by the Swedish statutory deposit guarantee scheme up to (the equivalent in euros of) SEK 1,050,000 per account. (About 93k Euro)
You can also get 4% Interest with instant access on balances of up to €50,000 at Trade Republic .
*… All funds in a Trade Republic cash account are legally protected up to €100,000 per investor. They are held in an escrow account at one of their partner banks. These currently are Solarisbank SE, Citibank Europe plc and Deutsche Bank. Solarisbank SE and Deutsche Bank are subject to supervision by the Deutsche Bundesbank and the BaFin (Federal Financial Supervisory Authority Germany). Citibank Europe plc is supervised by the Central Bank of Ireland.)
Best Instant Access Deposit Rates
Best Rates on Regular Saver Accounts
Best 1 Year Fixed Deposit Interest Rates
If you are thinking of alternative forms of investment – such as stocks and shares – you should take a look at our article Where to Buy Shares Online in Ireland