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Old 21-01-2009, 12:40 PM
CiaranT CiaranT is offline
 
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Default Instant Access & Notice Deposit Accounts

Rates are frequently updated. Information last changed: 18 October 2014.

Highest variable rate without fees

€0.01 to €1,000,000 - RaboDirect: 90 Day Notice Account - 1.95%

Selected Instant Access & Notice Variable Rate Accounts

KBC: Online Savings Accounts: Smart Move Online Demand Account
2.00% less fees of €24+** per year on €0.01 to €100,000
  • Access: Instant access.
  • Interest paid: Annually in December.
  • **It is mandatory to open a KBC Current Account in order to be able to open this account. A KBC current account will incur fees of:
    (1) €24 per year in maintenance fees, plus
    (2) ATM fees of 30 cent per transaction or free if you maintain a balance of €2,000 each and every day,
    (3) Government levy of €5 per year if you make use of the ATM / debit card and
    (4) Potentially other charges depending on usage.
  • Ability to ‘sweep’ any excess funds from your KBC Current Account each month.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

RaboDirect: 90 Day Notice Account
1.95% on €0.01 to €1,000,000
0.00% on €1,000,000+
  • Access: 90 days notice required for withdrawals.
  • Online only.
  • Deposit Protection: €100,000 via Dutch Deposit Guarantee Scheme.

KBC: Smart Access
1.75% on €3,000 to €100,000
0.50%* on €100,000 to €1,500,000 on entire balance*
0.25% on €1,500,000.01+
  • *Rate applies from 2 December 2014.
  • Access: Instant access.
  • Interest paid: Annually in December.
  • Read-only online access provided.
  • *Once the account balance (including interest added) exceeds €100,000 the entire balance will earn interest at the KBC Standard Demand Deposit Account interest rate as per the rate above.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online Demand Account
1.75%* on €0.01 to €50,000
1.00% on €50,000.01+
  • *Rate applies from 11 November 2014.
  • Access: Instant access.
  • Interest paid: Annually on first working day after 20th November.
  • **Once the balance in your account goes over €50,000 the interest rate on the whole balance earns 1.00% AER variable.
  • Online only.
  • Joint accounts not allowed.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

RaboDirect: On-Demand Savings
1.75% on €1 to €20,000
1.00% on €20,000 to €5,000,000
0.00% on €5,000,000+
  • Access: Instant access.
  • Online only.
  • Deposit Protection: €100,000 via Dutch Deposit Guarantee Scheme.

Nationwide UK (Ireland): Euro Notice Plus Savings Account
1.75% on €2,000 to €2,000,000
  • Access: 30 days notice required with 1 exception. 1 on-demand withdrawal permitted per year free of charge (April – March) to a maximum of 20% of the cleared balance in the account.
  • Interest paid: Annually on 31 March.
  • Deposit Protection: €100,000 via UK Financial Services Compensation Scheme.

Permanent TSB: Bonus Booster Account
0.50% on €0.01 to €10,000 excluding bonus.
1.25%* on €0.01 to €10,000 including bonus.
0.75%* on €10,000+ excluding bonus.
1.75%* on €10,000+ including bonus.
  • *Rate applies from 11 November 2014.
  • Access: Instant access but bonus is only paid if you make no more than 2 withdrawals per calendar year (1 January to 31 December inclusive).
  • Interest paid: Non-bonus interest paid annually on first working day after 20 November. Bonus interest paid annually on 31 December.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

RaboDirect: 30 Day Notice Account
1.75% on €0.01 to €1,000,000
0.00% on €1,000,000+
  • Access: 30 days notice required for withdrawals.
  • Online only.
  • Deposit Protection: €100,000 via Dutch Deposit Guarantee Scheme.

Permanent TSB: Signature Deposits: 30 Day Notice
1.65% on €10,000+
  • Access: 30 days notice required for withdrawals.
  • Interest paid: Annually with monthly interest option available on request.
  • Not available for branch opening, account must be opened through a broker.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online 40 Day Notice Account
1.65% on €0.01+
  • Access: 40 days notice required for withdrawals.
  • 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.

Permanent TSB: 40 Day Notice Savings Account
1.50% on up to €9,999.99
1.65% on €10,000+
  • 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.

Nationwide UK (Ireland): Easy Access Savings Account
1.50% on €2,000 to €2,000,000
  • Access: Instant access.
  • Interest paid: Option to get paid interest monthly or annually. Monthly interest can be automatically transferred each month to an external account.
  • NB: Penalties if more than 6 withdrawals are made a year (April to March).
  • Deposit Protection: €100,000 via UK Financial Services Compensation Scheme.

Leeds Building Society Ireland: Freedom 30 (Issue 2)
0.05% on €0.01 to €2,499.99
1.50% on €2,500 to €1,000,000
  • Access: One withdrawal per year without notice. Subsequent withdrawals are subject to 30 days notice.
  • Account is operated by cheque. No online access provided.
  • Deposit Protection: €100,000 via UK Financial Services Compensation Scheme.

Ulster Bank: Private Reserve
0.01% on €0.01 to €15,000
1.30%* less €432+* fees per year on €15,000+
  • *Rate applies from 2 December 2014.
  • Access: Instant access.
  • Interest paid: Monthly.
  • NB: You must also open a Private Current Account or a Private Ufirst Current account which will incur fees of **€36 per month for a Private Current Account or €50 per month with a Private Ufirst Current account.
  • This product is aimed at high wealth individuals. You may need to prove your wealth level before opening an account.
  • This product provides access to a relationship manager and other benefits.
  • This product is not available for branch opening, account must be opened via Ulster Bank headquarters.
  • Given the fees involved, and given the fact that there is no cap to above rate, this account may be best suited to those that have a very large deposit to place.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Ulster Bank: Loyalty Saver
0.01% on €0.01 to €2,000
0.40%* on €2,000 to €25,000 excluding bonus.
0.80%* ** on €2,000 to €25,000 including bonus.
0.80%* on €25,000 to €1,000,000 excluding bonus.
1.20%* ** on €25,000 to €1,000,000 including bonus.
  • *Rate applies from 2 December 2014.
  • Access: Instant access.
  • Interest paid: Annually each January.
  • **Rate above includes a bonus. This bonus is only paid if you make no more than 4 withdrawals in an annual period.
  • If you close your account at any stage during the year the bonus interest will not be paid.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Online Notice Deposit 21
1.15% on €0 to €1,000,000
  • Access: 21 days notice required for withdrawals.
  • Interest paid: Bi-annually in April and October.
  • Online only.
  • Customers must already have an AIB account and be registered for phone and internet banking.
  • One withdrawal per notice and at most one notice pending at any time.
  • Lodgements/withdrawals can only be made from another AIB account. Therefore, customer must keep another AIB account open.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

EBS: 40 Day Notice Account
0.25% on €0.01 to €4,999
0.50% on €4,999 to €24,999
0.90% on €25,000 to €99,999
1.10% on €100,000+
  • Access: 40 days notice required.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Online Notice Deposit 7
1.05% on €1 to €10,000
0.75% on €10,001 to €1,000,000
  • Access: 7 days notice required for withdrawals.
  • Interest paid: Bi-annually in April and October.
  • Online only.
  • Customers must already have an AIB account and be registered for phone and internet banking.
  • One withdrawal per notice and at most one notice pending at any time.
  • Lodgements/withdrawals can only be made from another AIB account. Therefore, customer must keep another AIB account open.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

EBS: High Yield Access
0.75% on €0.01 to €49,999
0.75%* on €49,999 to €99,999
1.00%* on €100,000 to €249,999
1.00%* on €250,000+
  • *Rate applies from 3 November 2014.
  • Access: Instant access.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Private Banking Demand Account
0.05% on €0 to €49,999
1.00% on €50,000+
  • Access: Instant access.
  • Interest paid: Bi-annually in April and October.
  • You must be a Private Banking personal customer or a sole trader/partnership or charity to open this account. Becoming Private Banking personal customer may incur other fees.
  • Lodgements/withdrawals can only be made from another AIB account. Therefore, customer must keep another AIB account open.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 31 Day Set Notice Account
0.60% on €5,000 to €1,000,000
  • Access: 31 days notice required for withdrawals.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: Bonus Plus 9 Months
0.15% on €10,000 to €1,000,000 if you make withdrawals during the first 9 months.
0.70% on €10,000 to €1,000,000 if you do not make withdrawals during the first 9 months.
0.01% after 9 months.
  • The 0.70% rate above includes a 0.55% fixed bonus if not withdrawals are made.
  • The 0.15% rate above is variable, this rate may change during the first 9 months. However, if you want the bonus, you may be in effect 'locked' at a lower rate until the bonus is paid after 9 months.
  • This product could be described as been a mix of a term deposit product and an instant access product.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 365 30-Day Notice Account
0.70% on €5,000 to €1,000,000
  • Access: 30 days notice required for withdrawals.
  • Online and by phone only.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: Bonus Plus 6 Months
0.15% on €10,000 to €1,000,000 if you make withdrawals during the first 6 months.
0.55% on €10,000 to €1,000,000 if you do not make withdrawals during the first 6 months.
0.01% after 6 months.
  • The 0.55% rate above includes a 0.40% fixed bonus if not withdrawals are made.
  • The 0.15% rate above is variable, this rate may change during the first 6 months. However, if you want the bonus, you may be in effect 'locked' at a lower rate until the bonus is paid after 6 months.
  • This product could be described as been a mix of a term deposit product and an instant access product.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Standard Demand Deposit Account
0.50%* on €0.01 to €1,500,000
0.25% on €1,500,000.01+
  • *Rate applies from 2 December 2014.
  • Access: Instant access.
  • Interest paid: Twice annually.
  • Minimum account opening balance €3,000.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

NTMA: State Savings: Deposit Account Plus
0.50% on €1+
  • Access: 30 days notice required for withdrawals.
  • Interest paid: Annually.
  • No withdrawals allowed inside the first 3 months of account opening.
  • No online access provided.
  • This State Savings account is subject to normal DIRT.
  • Deposit Protection: Unlimited via Irish government guarantee.

Notes:

Deposit Protection Schemes: 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).
  • Post updates / suggestions in the deposits and savings forum.
  • 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.
  • There are other best buy threads for term deposits, regular saver accounts and current accounts
Rate and Product Updates:
  • If you want email updates on instant access and notice account rate changes, you can subscribe to this thread.

Last edited by CiaranT; 02-06-2013 at 01:52 PM. Reason: .
  #2  
Old 06-10-2014, 01:22 PM
CiaranT CiaranT is offline
 
Posts: 3,751
Default

Top post updated.

Ulster Bank and BoI have reduced their deposit rates.
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