Interest Rates on Instant Access Savings

The best interest rates on Instant Access Savings Accounts in Ireland.

Rates checked February 2nd 2023 (We looked at accounts with less than 30 days notice)


  • State Savings deposit account 0.05% (7 days notice)
  • PTSB 0.01%
  • EBS , BOI , AIB have Zero Interest on instant access accounts

Trade Republic is a German investment firm . They launched an interest-paying account for Irish customers in 2023. Currently, they pay interest of 2% on deposits up to €50,000. You can withdraw money at any time.
All funds in the cash account are held in an escrow account at their partner banks. These currently are Citibank Europe plc and Deutsche Bank.
Deutsche Bank is 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. Funds are legally protected up to €100,000 per investor.

trade republic savings

Sometimes you will get better interest rates if you are willing to tie up your lump sum for a longer period.

See the  Highest Interest Rates on Fixed Term Deposits

An alternative investment option is buying stocks and shares.
See our page on Investing in Shares in Ireland

instant access interest rates ireland

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Read more here about Tax on Savings