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Savings Accounts Ireland

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Types of Savings Accounts

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Discover the highest AER accounts with a 5-star Honest transparency score. To see all accounts, check out the comparison tool.

Achmea Bank N.V.
Platform
Achmea Bank N.V.
Achmea Bank N.V. - 10 Year Fixed Term Account
AER
3.61% Interest
Minimum Deposit
€5,000
Protected Amount
€100,000
Deutsche Bausparkasse Badenia
Platform
Deutsche Bausparkasse Badenia
Deutsche Bausparkasse Badenia - 10 Year Fixed Term Account
AER
3.60% Interest
Minimum Deposit
€5,000
Protected Amount
€100,000
Achmea Bank N.V.
Platform
Achmea Bank N.V.
Achmea Bank N.V. - 9 Year Fixed Term Account
AER
3.56% Interest
Minimum Deposit
€5,000
Protected Amount
€100,000

Trusted Savings Providers

Compare over 270+ savings accounts available to Irish consumers

Savings Account Types

Types of Savings Accounts

Find the right savings account for your financial goals. Each account type offers unique benefits to help you save smarter.

Instant Access Accounts

Access your money whenever you need it and earn competitive interest rates with complete flexibility.

Fixed Term Accounts

Lock in a guaranteed rate for a set period. Ideal for medium and long-term savings goals.

Notice Accounts

Promote healthy saving with an advance notice requirement for withdrawals.

Money Market Funds

Earn high interest with instant access when you need it with these ultra-low risk investments.

Children’s Accounts

Help your children save for the future with accounts designed specifically for young savers.

High-Yield Accounts

Maximize your returns with the best interest rates available in the Irish market.

Savings Account Types

Types of Savings Accounts

Find the right savings account for your financial goals. Each account type offers unique benefits to help you save smarter.

Instant Access Accounts

Access your money whenever you need it and earn competitive interest rates with complete flexibility.

Fixed Term Accounts

 Lock in a guaranteed rate for a set period. Ideal for medium and long-term savings goals.

Notice Accounts

Promote healthy saving with an advance notice requirement for withdrawals.

Money Market Funds

Earn high interest with instant access when you need it with these ultra-low risk investments.

Children’s Accounts

Help your children save for the future with accounts designed specifically for young savers.

High-Yield Accounts

Maximize your returns with the best interest rates available in the Irish market.

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FAQ

Frequently Asked Questions

Honest helps you to find the best savings accounts and strategies for maximizing your return.

A savings account is a type of bank account commonly used for earning interest on money that’s not intended for daily spending.

Interest can be thought of as the reward that the bank pays you for depositing your money with them. This is expressed as a percentage known as the ‘interest rate’. The higher the interest rate and the larger your deposit, the more interest you’ll earn.

The main difference between a savings account and a current account is that a savings account is primarily used for earning interest while a current account is used for day-to-day transactions.

The most important difference between fixed term and instant access savings accounts is that, with fixed term accounts, you can’t access your money until the end of the fixed term. 

This means you need to be absolutely sure that you won’t need to access your money before depositing it in a fixed term account.

Yes, your money is safe in a savings account. Savings accounts enjoy the same deposit guarantees as current accounts, meaning your money is protected up to €100,000 should anything go wrong.

Yes, you can have more than one savings account. In fact, this is a great way to split up your savings. 

For example, you could have one instant access account for your emergency fund, one short fixed-term account for your holiday funds and one long fixed-term account for your house deposit. But there are no rules, you can have as many savings accounts as you like!

Opening a savings account in Ireland is a simple process. Anyone can open one so long as they provide the bank with the necessary personal information. For most adult savings accounts you will need to confirm with the bank your identity, your address and your tax identification number.

For adults opening a joint savings account, both parties must confirm their identity, address and PPSN with the bank.

Children’s savings accounts require a parent or legal guardian to open the account on behalf of the child.

Yes, you have to pay tax on the interest that you earn from a savings account. Deposit interest retention tax (DIRT) is the tax that applies to Irish tax residents who are earning interest through savings accounts. You will have to file a tax return where DIRT hasn’t been automatically deducted from your interest.

Please see our Taxation page for more information.

Honest updates the interest rates for displayed savings accounts on a daily basis, meaning you can take comfort in knowing that you’re always getting the full picture.

Start Saving Smarter Today

Compare Ireland’s top savings accounts and find the best interest rates for your financial goals all in one place.

Compare Ireland’s top savings accounts and find the best interest rates for your financial goals all in one place.