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. 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.

Selected Instant Access & Notice Variable Rate Accounts
KBC: 35 Day Notice Account

0.35% on €3,000 to €100,000

0.01% on €100,000+

0.01% on €1,500,000.01+ on the entire balance

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

0.30% less avoidable current account fees on €0.01 to €100,000

Access: Instant access.

Interest paid: Annually in December.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 90 Day Notice

0.25% on €5,000 to €1,000,000

Access: 90 days notice required for withdrawals.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Booster Bonus Account

0.01% on €0.01+ excluding bonus.

0.21% on €0.01+ including bonus

Access: Instant access.

Interest paid: 31 December or next business day.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 60 Day Notice

0.20% on €5,000 to €1,000,000

Access: 60 days notice required for withdrawals.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Smart Access Demand Account

0.15% on €3,000 to €100,000

0.01% on €100,000+ on the entire balance

Access: Instant access.

Interest paid: Annually in December.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

NTMA: State Savings: Deposit Account

0.15% on €1+

Access: Instant access.

Interest paid: Annually.

No online access provided.

This State Savings account is subject to normal DIRT.

Deposit Protection: Irish government guarantee.

Ulster Bank: Private Reserve

0.01% on €0.01 to €15,000

0.15% less €432+ fees per year on €15,000+

Access: Instant access.

Interest paid: Monthly.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 365 31-Day Notice Account

0.15% on €5,000 to €1,000,000

Access: 31 days notice required for withdrawals.

Online and by phone only.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online 40 Day Notice Account

0.15% on €0.01+

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

0.15% on €0.01+

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.

Ulster Bank: Loyalty Saver

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.

Access: Instant access.

Interest paid: Annually each January.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Broker Deposits: 30 Day Notice

0.10% on €10,000+

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.

Bank of Ireland: 31 Day Set Notice Account

0.10% on €5,000 to €1,000,000

Access: 31 days notice required for withdrawals.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Standard Demand Deposit Account

0.05% on €0.01+

Access: Instant access.

Interest paid: Twice annually.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

EBS: High Yield Access

0.05% on €0.01 to €99,999

0.05% on €100,000 to €249,999

0.05% on €250,000+

Access: Instant access.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Private Banking Demand Account

0.05% on €0.01+

Access: Instant access.

Interest paid: Bi-annually in April and October.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Online Notice Deposit 7

0.05% on €0.01 to €1,000,000

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.

EBS: 40 Day Notice Account

0.05% on €0.01+

Access: 40 days notice required.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online Instant Access Account

0.01% on €0.01+

Access: Instant access.

Interest paid: Annually on first working day after 20 November.

Online only.

Joint accounts not allowed.

Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Notes:

Deposit Protection Schemes:

Deposit Guarantee Scheme protects the first €100,000 of your deposit per person per financial institution.

The UK Financial Services Compensation Scheme protects the euro equivalent of £85,000.

Further Information:

Instant access and notice account rates and products change frequently. Ensure you regularly check your rate to ensure you are getting the best return for your money.

All rates are AER and are stated before deduction of Deposit Interest Retention Tax (DIRT).

If you want to save on a regular basis, you should also consider regular saver accounts, some of which offer higher rates, than some of the instant access accounts above.

Credit unions normally pay very low rates on deposits and shares, some may pay good rates.