Best Interest Rates on Fixed Term Deposit Accounts


A List of the best interest rates on Fixed Term deposit accounts available in Ireland. (Net of DIRT)

Updated June 25th 2022

The Interest Figures in bold are after DIRT where applicable. (DIRT used is  33%  )


10 Years Fixed



5 Years Fixed

  • 1.2% AER  Privatbanka # via Raisin.ie (1.79% before DIRT)
  • 0.59%  AER State Savings Certificates 18th issue


4 Years Fixed

  • 1.17% (1.75% before DIRT) Privatbanka via Raisin.ie #
  • 0.5% AER State Savings National Solidarity Bond

3 Years Fixed

  • 1.15%  Privatbanka via Raisin.ie (1.72% before DIRT) # Max €100,000)

  • 0.73% BluOr Bank AS via Raisin.ie (1.1% before DIRT) # Max €100,000)

  • 0.33% AER – State Savings: Savings Bond (Issue 17)

2 Years Fixed

  •   1.065%  Banca Privata Leasing via Raisin.ie (1.59% before DIRT) # Max €100,000)
  •   0.99% Privatbanka AS via Raisin.ie (1.49% before DIRT)


# Privatbanka is based in Slovakia – Funds are protected in full by the Slovakian Deposit Guarantee Scheme for amounts up to EUR 100,000 per customer

Banka Privata Leasing is based in Italy and is covered by the Italian deposit guarantee fund for amounts up to EUR 100,000 per customer






More about Raisin Bank


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