DEMAND ( total access – you can withdraw at any time
- An Post Money 0.75%
- AIB online standard saver deposit 0.25%
- Bank of Ireland demand deposit 0.1%
- PTSB demand deposit 0.01%
NOTICE ( to withdraw funds you MUST give the relevant notice
- Bank of Ireland – 1% ( 31 days’ notice ) min deposit € 5k
- Permanent PTSB – 0.50 % ( 40 day notice )
- AIB – 0.75% ( 7 day notice )
FIXED ( you generally cannot withdraw your deposit until maturity )
- Bank of Ireland 3.36% ( 25% access) 18 month Fixed (min € 5k)
1.74% ( 25% access) 12 month Fixed (min € 5k)
0.74% ( 25% access) 6 month Fixed (min € 5k)
- NTMA Savings Certs – 5yrs – 9% tax free (equiv to 2.6% pa)
max investment € 120k pp + Nat Solid Bond 22% (10yrs – 3%pa)
- AIB Bank – 2.25% 2 year fixed ( min balance € 5k )
- – 2 % 1 year fixed ( min balance € 5k )
- – 1.5% 6 months fixed ( min balance € 5k )
- PTSB 73% – 5 year Fixed, 4.88% – 3 year Fixed, 2.98% – 18 months Fixed, 2.25% – 12 month Fixed, 1.5% – 6 months Fixed (all min €5k)
BEST REGULAR SAVER ACCOUNT RATES
( saving between € 100 & € 1000 per month over 12 to 24 months )
- AIB online – 3.00% ( max € 1k per month ) for 12 months
- EBS Family Savings Regular Saver account – 3% (max €1,000 per month) for 12 months
- Permanent TSB – 2.5% (up to €50k – 21 day notice)
- Bank of Ireland – 3% for 1st year, thereafter 2% (min € 5 – max € 2.5k monthly savings)
John Lowe, QFA., APA Debt Mgt MCC., Dip.Iod, Fellow of the Institute of Bankers, is founder and managing director of Providence Finance Services Limited, t/a Money Doctors, authorised and regulated financial advisers and based in Stillorgan Co Dublin. He is author of the # 1 best-selling finance guide Money Doctors 2025 (Providence Press) website – www.moneydoctors.ie For details of seminars and one to one consultations, email jlowe@moneydoctors.ie or call Money Doctors on 01 278 5555 Follow John on Twitter (@themoneydoc), Linkedin, Pinterest, Facebook & Instagram