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Online Fixed Term Deposits

Take the right steps with your savings. Get competitive 3 month, 6 month & 1 year fixed rates online and know exactly what your return will be on your savings. Opening an account is easy and you can do it anywhere at any time.

Get a competitive fixed rate online

Term Savings Gross Rate Gross Return AER
3 Months €5,000 + 0.05% 0.01% 0.05%
6 Months  €5,000 + 0.20% 0.10% 0.20%
1 Year  €5,000 + 0.50% 0.50% 0.50%
  •  After the term ends, you can get your savings and interest, minus DIRT (Deposit Interest Retention Tax), if applicable.
  • You can withdraw your money up to 14 calendar days from investment date, without charge.
  • 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.

Easy online savings 

  • The minimum amount to open your account is €5,000. There is no maximum.
  • Choose from 3 fixed terms to suit your needs.
  • These competitive rates are only available online so you need to use Open24 to access your account.

What happens after the term?

After the term you will have the option to roll over into the same account again at the rate available at that time.

If this account is no longer available, your account will roll over into a similar term product unless you instruct us otherwise.

Get access to your money

On maturity you can make withdrawals by transferring your money to your Current Account, Notice Account or your Demand Deposit Account.

If you don’t have either of these types of account you can make a withdrawal by writing to the address below. You will receive a cheque in the post.

permanent tsb Deposit Services
56-59 St. Stephen's Green
Dublin 2

In exceptional circumstances a partial or full withdrawal may be made before the end of the term however an early withdrawal charge will apply. You can do this by contacting permanent tsb Deposit Services at the address above.

Apply online today

Log on to to apply for your account and follow the few simple steps

  • When you’re opening your account we’ll text you a confirmation code so you’ll need an Irish mobile phone number
  • These accounts are available online so you need to be a permanent tsb customer who is registered for Open24 to access it
  • You can only open and operate the accounts in your name because these accounts are opened using your individual Open24 log on details
  • You need to be a tax resident of Ireland to open this account.

Read the nitty gritty details about opening online fixed term accounts

Compare Accounts

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

What would you like to do with your account?

How much will you place on deposit?

How would you like to draw down your money?

How would you like to open your account?

Please fill in all the fields above to get started!

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