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Fixed Term Deposit Accounts

Got a lump sum and don’t know what to do with it? We can help! We've got a range of fixed term deposit accounts with terms from 3 months to 5 years so you can choose the best term for your needs.

Earn a competitive fixed rate

Our fixed term deposit accounts earn you a competitive fixed rate. See below for our rates:

Term Required balance Gross interest rate Gross return AER
3 months €5,000+ 0.05% 0.01% 0.05%
6 months €5,000+ 0.20% 0.10% 0.20%
9 months €5,000+ 0.25% 0.18% 0.25%
1 year €5,000+ 0.50% 0.50% 0.50%
18 months €5,000+ 0.82% 0.82% 0.55%
3 years €5,000+ 2.12% 2.12% 0.70%
5 years €5,000+ 3.55% 3.55% 0.70%

Get access to your money

At the end of your fixed term when your account matures, you can withdraw your savings and interest, minus DIRT (Deposit Interest Retention Tax). You can access your money at any time should you need it, however an early withdrawal charge will apply.

If you change your mind, you can withdraw some or all of your account balance up to 14 calendar days from investment date, without charge.

If we don’t hear from you before your fixed term account matures it automatically converts to the Instant Access account for matured fixed term deposits until instructions are received from you. This will be at a variable interest rate which is currently 0.05% Gross/AER, You can find out more about our interest rates in any of our branches or online.

Important information

  • If a withdrawal is required before account maturity an early withdrawal charge will apply.
  • A Monthly Income Option is available on the branch 9,12 and 18 month and 3 and 5 year Fixed Term Deposits.
  • Generally interest is paid at the end of the term and is subject to DIRT at the prevailing rate but is subject to change.
  • Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year. Our AER calculation assumes that the account is held for a year and that the interest rate remains constant.

Read the nitty gritty details about our Fixed Term Deposit accounts.

Or call us on +353 1 215 1349
Or call us on +353 1 215 1349

Compare Accounts

Not sure which account is right for you? Let us help you with that.


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