Regular Savings Accounts

Updated March 20th 2023

A Regular Saver Account is the perfect way to get into the habit of saving regularly. If you’re saving for a holiday, special event, or just a rainy day, then Regular Savings Accounts are ideal and they usually offer higher interest rates than most normal deposit accounts.

However, since 2022 – the rates on regular savings have fallen and you can get better interest rates on other accounts. – Check the rates on fixed-term accounts and Instant access accounts which could be higher.

TIP: Irish residents can currently get an interest rate of 2% (With Instant Access) at Trade Republic on lump sum balances of up to €50,000.


Regular Savings Accounts in Ireland – The Best Rates available.


  1. AIB  Online Saver  1% :- Min 10 euros per month, max 1000 euros per month.   (Rate is For 1st Year Only).

  2. EBS Family Savings 1%

  3. State savings Instalment Savings 0.63% . Tax-Free (equivalent to 0.94% on a taxed account) (Min €25 max €1000 per month). BUT – you must keep the account for 6 years otherwise rate is just 0.05%.

  4. BOI Goalsaver Account 0.75%. Min €20 Max €2000 per month. Max balance €14999
  5. PTSB Online Regular Saver 0.75% max €1000 per month/€50,000 total.




With interest rates still pretty low – more people are investing some of their savings into shares. If you are thinking of investing in shares  – take a look at our page about Investing in Stocks in Ireland

A good way to cut your outgoings and potentially save thousands of euros is to Switch your Mortgage.
Find out more about how much you could save by switching your mortgage in Ireland.


More Interest Rates

Irish residents can currently get an interest rate of 2% (Instant Access) with Trade Republic on balances of up to €50,000.


Best Instant Access Deposit Rates

Best 1 Year Fixed Deposit Interest Rates

Best Rates on Fixed Terms Up To Five Years

DIRT – Tax on Savings in Ireland