Bank of Ireland savings rates, cliff included
SuperSaver takes the biggest monthly lodgement of any pillar regular saver, €2,500, at 3.00% AER. It also stops being SuperSaver after exactly 12 months. Put the date in your calendar the day you open it.
Every rate on this page was read from the provider's own site. Last verified 1 August 2026.
- Bank of IrelandSuperSaver3.00%
- Term / access
- 1 year · Instant access
- DIRT
- 33%withheld for you
- Limits
- €5–€2,500/mo · max €30,000
- Protection
- Irish DGS · €100,000
Rate fixed for the first 12 months, then drops to the 2.00% Standard Regular Saver. Amounts over €30,000 earn 0.50%.
- Bank of IrelandAdvantage Fixed Term2.24%
- Term / access
- 18 months · Up to 25% accessible during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
Total return 3.36% over 18 months, paid at maturity.
- Bank of IrelandAdvantage Fixed Term2.15%
- Term / access
- 1 year · Up to 25% accessible during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- Bank of IrelandGoalSaver2.00%
- Term / access
- Ongoing · Instant access
- DIRT
- 33%withheld for you
- Limits
- max €14,999
- Protection
- Irish DGS · €100,000
Balances of €15,000 or more earn 0.50%.
- Bank of IrelandMortgageSaver2.00%
- Term / access
- Ongoing · Instant access
- DIRT
- 33%withheld for you
- Limits
- max €14,999
- Protection
- Irish DGS · €100,000
For a house deposit. Balances of €15,000 or more earn 0.50%.
- Bank of IrelandStandard Regular Saver2.00%
- Term / access
- Ongoing · Instant access
- DIRT
- 33%withheld for you
- Limits
- max €29,999
- Protection
- Irish DGS · €100,000
What SuperSaver becomes after its first 12 months. Balances of €30,000 or more earn 0.50%.
- Bank of IrelandChildsave2.00%
- Term / access
- Ongoing · Instant access
- DIRT
- 33%withheld for you
- Limits
- max €10,000
- Protection
- Irish DGS · €100,000
Up to €10,000.
- Bank of IrelandAdvantage Fixed Term1.51%
- Term / access
- 6 months · Up to 25% accessible during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- Bank of Ireland31 Day Notice1.00%
- Term / access
- Notice · 31 days notice
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- Bank of IrelandDemand Deposit0.10%
- Term / access
- Instant access · Instant access
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Irish DGS · €100,000
Ranked by AER, highest first. Nobody can pay for position or inclusion. How we rank, and how we get paid
Bank of Ireland's best lump sum rate
2.24%
Advantage Fixed Term
The market's best
3.23%
Raisin · BluOr Bank, fixed term deposit
The SuperSaver clock
The 3.00% is fixed for the first 12 months from your first direct debit, on balances up to €30,000. Then the account becomes a Standard Regular Saver at 2.00%, and anything over €30,000 earns 0.50%. Nothing about that is hidden, but nothing about it is announced either: the rate simply changes.
The €2,500 monthly cap is the genuinely useful part. A couple maxing one each can move €60,000 through the headline rate in a year, which no other pillar regular saver allows.
The rest of the shelf
GoalSaver and MortgageSaver pay 2.00% on regular savings up to €14,999, with lump sums above €15,000 earning 0.50%. The Advantage fixed terms are the lump-sum options, 1.51% to 2.24% AER depending on term, and each allows access to a quarter of the money mid-term, which most fixed terms do not.
The Demand Deposit pays 0.10%, the lowest published demand rate of the pillar banks. On €10,000 that is €10 a year.
Related: how DIRT works · the best deposit rates · State Savings
Bank of Ireland questions, answered straight
- What is the Bank of Ireland SuperSaver rate?
- 3.00% AER fixed for the first 12 months on up to €2,500 a month, balances to €30,000. After 12 months it becomes a Standard Regular Saver at 2.00%. Verified from Bank of Ireland’s deposit rates table on 1 August 2026.
- What happens to SuperSaver after 12 months?
- It rolls into the Standard Regular Saver at 2.00% AER, and balances of €30,000 or more earn 0.50%. The change is automatic, so diarise the anniversary and decide then where the money works next.
- Can I access money in a Bank of Ireland Advantage fixed term?
- Up to 25% of the funds during the term, which is unusual for a fixed term deposit. The rest stays locked until maturity.