User:DJN/Range of Irish bank accounts and deposit rates

The following list of bank accounts and the accompanying details are a selection of deposit accounts available in the Republic of Ireland, this is not an exhaustive list.

Deposit accounts
The main two types of bank deposit accounts are referenced below: accounts where the client can make regular payments and accounts where there are fixed term criteria, (should early access be made to these fixed term accounts the interest rates and in some cases bonus payments can be affected).

The rates given have been checked and updated as of January 2019 and where an applicant seeks to open one of these accounts the rates and conditions should be checked. These details should be supplemented by reading the full conditions of each individual account, and in all instances other conditions will apply, for example in regards to interest payments and access to funds.

AIB: Online Saver Account
Year 3 starts with month 25 and works as per month 13 as the 12 month rate cycle recommences.

Additional account features:
 * Access: Instant access
 * Fees: None
 * Interest type: Variable
 * Online only
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Saver Account
Year 3 starts with month 25 and works as per month 13 as the 12 month rate cycle recommences.

Additional account features:


 * Fees: None
 * Interest type: Variable
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Extra Regular Saver
Interest rates:
 * 2.10%* on €1 to €40,000
 * 0.01% up to €1,500,000 on the the whole balance if the balance exceeds €40,000

Additional account features:
 * Access: Instant access
 * Fees: A KBC Extra Current Account may incur fees
 * Interest type: Variable
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Regular Saver Account
Interest rates:
 * 0.35% on €1 to €50,000. (1.35% including variable bonus interest* less fees of €24+** per year on €1 to €50,000 if you have a standard current account with KBC)
 * 0.01% up to €1,500,000 on the whole balance if the balance exceeds €50,000.00

Additional account features:
 * Access: Instant access
 * Fees: KBC Regular saver account will incur fees
 * Interest type: Variable
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online Regular Saver
Interest rates:
 * 1.00% on €1 to €50,000
 * 0.05% on the whole amount if the balance exceeds €50,000.01+

Additional account features:
 * Access: Instant access
 * Fees: None
 * Interest type: Variable
 * This account is only available online.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: 21 Day Regular Saver
Interest rates:
 * 0.90% up to €50,000.99
 * 0.05% on the entire balance over €50,001

Additional account features:
 * Access: 21 Days notice required for withdrawals
 * Fees: None
 * Interest type: Variable
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Ulster Bank: Special Interest Deposit Account
Interest rates:
 * 0.85% up to €15,000
 * 0.15% from €15,000 to €100,000

Additional account features:
 * Access: Instant access
 * Fees: None
 * Interest type: Variable
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Online Notice Deposit 7
Interest rates:
 * 0.05% on €0.01 to €1,000,000

Additional features:
 * Access: 7 days notice required for withdrawals
 * Interest paid: Bi-annually in April and October
 * Online only
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Private Banking Demand Account
Interest rates:
 * 0.05% on €0.01+

Additional features:
 * Access: Instant access
 * Interest paid: Bi-annually in April and October
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 90 Day Notice
Interest rates:
 * 0.25% on €5,000 to €1,000,000

Additional features:
 * Access: 90 days notice required for withdrawals
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 60 Day Notice
Interest rates:
 * 0.20% on €5,000 to €1,000,000

Additional features:
 * Access: 60 days notice required for withdrawals
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 31 Day Set Notice Account
Interest rates:
 * 0.10% on €5,000 to €1,000,000

Additional features:
 * Access: 31 days notice required for withdrawals.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 365 31-Day Notice Account
Interest rates:
 * 0.15% on €5,000 to €1,000,000

Additional features:
 * Access: 31 days notice required for withdrawals.
 * Online and by phone only.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

EBS: High Yield Access
Interest rates:
 * 0.05% on €0.01 to €99,999
 * 0.05% on €100,000 to €249,999
 * 0.05% on €250,000+

Additional features:
 * Access: Instant access.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

EBS: 40 Day Notice Account
Interest rates:
 * 0.05% on €0.01+

Additional features:
 * Access: 40 days notice required.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: 35 Day Notice Account
Interest rates:
 * 0.35% on €3,000 to €100,000
 * 0.01% on €100,000+
 * 0.01% on €1,500,000.01+ on the entire balance

Additional features:
 * Access: 35 days notice is required to make a withdrawal.
 * Interest paid: Annually in December.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Online Savings Accounts: Smart Move Online Demand Account
Interest rates:
 * 0.30% less avoidable current account fees on €0.01 to €100,000

Additional features:
 * Access: Instant access
 * Interest paid: Annually in December.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Smart Access Demand Account
Interest rates:
 * 0.15% on €3,000 to €100,000
 * 0.01% on €100,000+ on the entire balance

Additional features:
 * Access: Instant access
 * Interest paid: Annually in December.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Standard Demand Deposit Account
Interest rates:
 * 0.05% on €0.01+

Additional features:
 * Access: Instant access
 * Interest paid: Twice annually
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

NTMA: State Savings: Deposit Account
Interest rates:
 * 0.15% on €1+

Additional features:
 * Access: Instant access
 * Interest paid: Annually
 * No online access provided
 * This State Savings account is subject to normal DIRT
 * Deposit Protection: Irish government guarantee.

Permanent TSB: Booster Bonus Account
Interest rates:
 * 0.01% on €0.01+ excluding bonus.
 * 0.21% on €0.01+ including bonus

Additional features:
 * Access: Instant access
 * Interest paid: 31 December or next business day.
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online 40 Day Notice Account
Interest rates:
 * 0.15% on €0.01+

Additional features:
 * Access: 40 days notice required for withdrawals
 * Interest paid: Annually on first working day after 20 November
 * Online only
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: 40 Day Notice Savings Account
Interest rates:
 * 0.15% on €0.01+

Additional features:
 * Access: 40 days notice required for withdrawals
 * Interest paid: Annually on first working day after 20 November
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Broker Deposits: 30 Day Notice
Interest rates:
 * 0.10% on €10,000+

Additional features:
 * Access: 30 days notice required for withdrawals
 * Interest paid: Annually with monthly interest option available on request
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online Instant Access Account
Interest rates:
 * 0.01% on €0.01+

Additional features:
 * Access: Instant access
 * Interest paid: Annually on first working day after 20 November
 * Online only
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Ulster Bank: Private Reserve
Interest rates:
 * 0.01% on €0.01 to €15,000
 * 0.15% less €432+ fees per year on €15,000+

Additional features:
 * Access: Instant access
 * Interest paid: Monthly
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Ulster Bank: Loyalty Saver
Interest rates:
 * 0.01% on €0.01 to €2,000
 * 0.05% on €2,000 to €25,000 excluding bonus.
 * 0.10%* on €2,000 to €25,000 including bonus.
 * 0.05% on €25,000 to €1,000,000 excluding bonus.
 * 0.10%* on €25,000 to €1,000,000 including bonus.

Additional features:
 * Access: Instant access
 * Interest paid: Annually each January
 * Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.