The best deposit rates in Ireland right now
For a lump sum you can lock away, the top fixed term pays 3.23% AER (Raisin · BluOr Bank, Fixed term deposit). For money you want to keep within reach, the top instant access rate is 3.04% (Trade Republic). Everything below is ranked by AER, with the DIRT treatment and the deposit guarantee spelled out per account.
Every rate on this page was read from the provider's own site. Last verified 1 August 2026.
- Raisin · BluOr BankFixed term deposit3.23%
- Term / access
- 2 years · No access during term
- DIRT
- 33%self-assess
- Limits
- from €1 · max €100,000
- Protection
- Latvian DGS · €100,000
The highest rate open to Irish savers at any term right now.
- Raisin · BluOr BankFixed term deposit3.15%
- Term / access
- 1 year · No access during term
- DIRT
- 33%self-assess
- Limits
- from €1 · max €100,000
- Protection
- Latvian DGS · €100,000
Best 1 year rate on Raisin Ireland.
- Raisin · Haitong BankFixed term deposit3.14%
- Term / access
- 3 years · No access during term
- DIRT
- 33%self-assess
- Limits
- from €10,000 · max €100,000
- Protection
- Portuguese DGS · €100,000
Sold via the bank’s Spanish branch but guaranteed by the Portuguese scheme.
- KlarnaFixed3.10%
- Term / access
- 4 years · No access during term
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- Swedish DGS · SEK 1,150,000 (~€105,000)
Top of Klarna’s curve. No minimum deposit.
- KlarnaFixed3.05%
- Term / access
- 2 years · No access during term
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- Swedish DGS · SEK 1,150,000 (~€105,000)
No minimum deposit.
- Trade RepublicInterest on cash3.04%
- Term / access
- Instant access · Fully flexible, interest paid monthly
- DIRT
- 33%self-assess
- Limits
- max €50,000
- Protection
- Partner-bank DGS · €100,000
New customer offer; no ongoing rate is published for Ireland. Cash sits with partner banks (Citibank Europe, Deutsche Bank and others), each with its own guarantee. You declare the interest yourself.
- KlarnaFixed3.00%
- Term / access
- 1 year · No access during term
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- Swedish DGS · SEK 1,150,000 (~€105,000)
No minimum deposit.
- KlarnaFixed2.89%
- Term / access
- 6 months · No access during term
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- Swedish DGS · SEK 1,150,000 (~€105,000)
No minimum deposit. Oddly, the 9 month term pays less (2.46%).
- Raisin · BluOr BankFixed term deposit2.77%
- Term / access
- 6 months · No access during term
- DIRT
- 33%self-assess
- Limits
- from €1 · max €100,000
- Protection
- Latvian DGS · €100,000
Best 6 month rate on Raisin Ireland.
- Bankinter (Avant Money)Deposit Plus Fixed Term2.72%
- Term / access
- 6 months · One withdrawal of up to 25% after 8 weeks
- DIRT
- 33%withheld for you
- Limits
- from €2,000 · max €2,000,000
- Protection
- Spanish DGS · €100,000
Offer rate, ends 31 August 2026. Sold in Ireland through Avant Money.
- Bankinter (Avant Money)Deposit Plus Fixed Term2.30%
- Term / access
- 1 year · One withdrawal of up to 25% after 8 weeks
- DIRT
- 33%withheld for you
- Limits
- from €2,000 · max €2,000,000
- Protection
- Spanish DGS · €100,000
Sold in Ireland through Avant Money.
- AIBFixed Term Deposit2.26%
- Term / access
- 2 years · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
Total return 4.55% over 2 years, interest paid annually.
- Raisin · BluOr BankDemand deposit2.25%
- Term / access
- Instant access · Instant access via the Raisin platform
- DIRT
- 33%self-assess
- Limits
- from €1 · max €100,000
- Protection
- Latvian DGS · €100,000
Best ongoing instant rate on Raisin Ireland. Held with BluOr Bank in Latvia; you declare the interest to Revenue yourself.
- 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
- AIBFixed Term Deposit2.00%
- Term / access
- 1 year · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- PTSBOnline Fixed Term2.00%
- Term / access
- 1 year · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- PTSBFixed Term (branch)2.00%
- Term / access
- 3 years · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
Advertised as 6.13% total return over 3 years. That is 2.00% a year, not 6.13%.
- PTSBFixed Term (branch)2.00%
- Term / access
- 5 years · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
Advertised as 10.41% total return over 5 years. That is 2.00% a year, not 10.41%.
- RevolutInstant Access Savings2.00%
- Term / access
- Instant access · Instant access, interest paid daily
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Lithuanian DGS · €100,000
Standard plan rate, on the first €2,500 (1% above). Paid plans earn up to 2.50%. Held with Revolut Bank UAB in Lithuania.
- KlarnaFlex1.97%
- Term / access
- Instant access · Instant access, interest paid monthly
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- Swedish DGS · SEK 1,150,000 (~€105,000)
Klarna pays gross: you declare the interest to Revenue yourself. Paid memberships lift the rate to at most 2.45%, minus the fee.
- MonzoInstant Access Savings Pot1.80%
- Term / access
- Instant access · Instant access, interest paid monthly
- DIRT
- 33%withheld for you
- Limits
- max €100,000
- Protection
- Irish DGS · €100,000
Needs a free Monzo current account. The first digital bank with a full Irish banking licence: Irish guarantee, DIRT handled for you.
- 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
- bunqSavings1.51%
- Term / access
- Instant access · 2 free withdrawals a month, interest paid weekly
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- Dutch DGS · €100,000
Advertised as "up to 3.01%", but the 3.01% only applies to money above your own recent high balance. Established savings earn this 1.51% base rate.
- AIBFixed Term Deposit1.50%
- Term / access
- 6 months · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- PTSBOnline 32 Day Notice1.25%
- Term / access
- Notice · 32 days notice
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Irish DGS · €100,000
- PTSBOnline Fixed Term1.25%
- Term / access
- 6 months · No access 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
- AIBOnline Notice Deposit 70.75%
- Term / access
- Notice · 7 days notice
- DIRT
- 33%withheld for you
- Limits
- max €1,000,000
- Protection
- Irish DGS · €100,000
- N26Instant Savings0.30%
- Term / access
- Instant access · Instant access, interest paid monthly
- DIRT
- 33%self-assess
- Limits
- No stated limit
- Protection
- German DGS · €100,000
Standard plan rate; Metal plan earns 1.50%. N26 pays gross: you declare the interest to Revenue yourself.
- AIBPersonal Demand Deposit0.25%
- Term / access
- Instant access · Instant access
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Irish DGS · €100,000
All balances, no maximum.
- EBSInstant Access0.25%
- Term / access
- Instant access · Instant access
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Irish DGS · €100,000
EBS currently offers no fixed-term deposit to new customers.
- 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
- PTSBOnline Instant Access0.01%
- 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
Fixed term, notice or instant: the actual trade
A fixed term pays more because you give up the right to change your mind. That is the entire deal, so price it honestly: the gap between the best instant rate and a one year fix is what a year of flexibility costs you. If the gap is small, take the flexibility. If you are holding an emergency fund, the gap is irrelevant, because that money was never available to fix.
Notice accounts sit between the two: a higher rate than instant access in exchange for telling the bank 7 to 32 days before you withdraw. They suit money with a known spend date, a car, a tax bill, a deposit on a house.
The DIRT haircut belongs in the comparison
Most of the accounts above lose 33% of their interest to DIRT. The table's DIRT column also tells you who takes it: Irish banks withhold it before you see the money, while most EU banks pay you gross and leave the declaring to you. Neither is cheaper, but the second one comes with paperwork, covered on the DIRT page. State Savings products avoid the tax entirely and have their own page.
Questions Irish savers actually ask
- Should I fix my savings or keep them instant access?
- Split the question by purpose. Money you could need this year belongs in instant access, whatever the rate. Money you will not touch can be fixed for the extra margin, and splitting a lump across terms (a ladder) keeps some of it coming free every year.
- Why are Irish deposit rates falling?
- Deposit pricing follows the European Central Bank's deposit facility rate, currently 2.25%. As the ECB cuts, fixed terms reprice first. A good fixed rate today locks the current level in; instant access rates can be cut at any time.
- Are deposits in non-Irish banks safe?
- EU deposit guarantee schemes are harmonised at €100,000 per person per bank, but the scheme that pays out is the one in the country where the bank is authorised. The protection column names it for every account here.
- Do State Savings beat bank deposit rates?
- Sometimes, once tax is counted. Bank interest loses a third to DIRT; State Savings pay no DIRT at all, so a lower headline rate can leave you more. The State Savings page makes that comparison per product.