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 May 20th 2023

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

10 Years Fixed


5 Years Fixed

  • 2.34% AER  YouNited via Raisin.ie (3.5% before DIRT) Min €2k
  • 1.89% Privat Banka via Raisin (2.83% before DIRT) Min €10k
  • 1% PTSB (1.5% Before DIRT)

  • 0.98%  AER State Savings Certificates 18th issue


4 Years Fixed

  • 2.31% AER (3.45% Before DIRT) Younited Via Raisin (Min €2k)

  • 0.5% AER State Savings National Solidarity Bond

3 Years Fixed

  • 2.33%  BluOr Bank via Raisin.ie (3.49% before DIRT) # Min €1 ;Max €100,000)

  • PTSB 1.5%

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

2 Years Fixed

  • 2.31% (3.47% before DIRT) BFF via Raisin.ie No Minimum
  • Younited Credit SA (“Younited”) is an online banking platform headquartered in Paris, France. The French deposit guarantee fund covers funds for amounts up to EUR 100,000 per customer .
  • 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.
  • BFF Banking Group is the largest operator of specialised finance in Italy. Deposits – including accumulated interest – are guaranteed up to an amount of EUR 100,000 per customer and bank by the Italian deposit guarantee fund.

  • Privat Banka – Deposits are guaranteed up to an amount of EUR 100,000 by the Slovakian deposit guarantee fund.
  • BluOr Bank BluOr Bank is the ninth-largest bank in Latvia. Deposits are guaranteed up to an amount of EUR 100,000 by the Latvian deposit guarantee fund


More about Raisin Bank

Trade Republic is a German investment firm. Currently, they pay interest of 2% on deposits up to €50,000. You can withdraw your money at any time.

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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