EBS savings rates, year one and year two
EBS pays 3.00% on Family Savings in year one, among the best regular-saver rates in Ireland. In year two it pays 1.25%, and EBS offers no fixed term deposit to graduate into. The plan needs to be one year long.
Every rate on this page was read from the provider's own site. Last verified 1 August 2026.
- EBSFamily Savings3.00%
- Term / access
- 1 year · Minimum term 1 year
- DIRT
- 33%withheld for you
- Limits
- €100–€1,000/mo
- Protection
- Irish DGS · €100,000
Rate fixed for year one, then 1.25% on rollover. Monthly standing order of €100 to €1,000 required.
- EBSChildren's / Teens Savings2.51%
- Term / access
- Ongoing · Instant access
- DIRT
- 33%withheld for you
- Limits
- max €5,000
- Protection
- Irish DGS · €100,000
Up to €5,000. Above that the whole balance drops to 0.25%.
- 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.
Ranked by AER, highest first. Nobody can pay for position or inclusion. How we rank, and how we get paid
EBS's best lump sum rate
0.25%
Instant Access
The market's best
3.23%
Raisin · BluOr Bank, fixed term deposit
Family Savings, both years
The deal: a standing order of €100 to €1,000 a month, rate fixed for 12 months at 3.00%. At the end of the term you can withdraw or roll into another 12 month term at the then-current After Year 1 rate, currently 1.25%. The year-one rate has not moved since September 2023; the cliff between the two is the product.
There is no EBS fixed term account open to new customers, and instant access pays 0.25%. So the natural EBS journey, save for a year then park the lump, ends with the lump earning 0.25% unless it leaves EBS. The market table shows where it goes.
Related: how DIRT works · the best deposit rates · State Savings
EBS questions, answered straight
- What is the EBS Family Savings rate?
- 3.00% AER fixed for the first 12 months, with a required monthly standing order of €100 to €1,000. After year one it rolls at the current 1.25% rate. Verified on ebs.ie on 1 August 2026.
- Does EBS offer fixed term deposits?
- Not to new customers. The only fixed rate on its published sheet sits under accounts no longer available to open. Instant access pays 0.25%.