Interest Rates on Instant Access Savings

Highest Interest Rates on Instant Access Deposit Accounts.

Rates checked May 23rd 2024
(We looked at accounts that are covered by bank guarantees and with less than 30 days notice)


  • Trade Republic : 4% Interest on balances up to €50k. (* see below).

  • Morrow Bank (Via Raisin) 3.03% – (€1 to €100k)

  • N26 2.8% (Standard Account)
    (4% available on Metal accounts). (Protected up to €100k by German Bank Guarantee)

  • Bunq Easy Savings 2.46% (Protected up to €100k by Dutch Bank Guarantee)

  • Revolut 2% on Standard and “Plus” accounts. 3.49% available on “Ultra” accounts
    (Protected by Lithuanian Bank Guarantee up to €100k)

  • State Savings deposit account 0.75% (7 days notice)
  • AIB (7 days notice) 0.75%
  • EBS 0.25%


Note: 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.)


Lightyear

Although it is not a bank – Lightyear pays interest on cash deposits with instant access and no minimum deposit or maximum. Lightyear is an online investment platform.
(Deposit Protection: €20,000 via Estonian Investor Protection Scheme.)

Lightyear Interest Rates Shown Below

Lightyear Savings
Lightyear Interest Rates
CurrencyInterest Rate
Euro3.25%
GBP4.5%
USD4.5%
Correct as of May 2024
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More details about Raisin Bank

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

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