Best Buy: Regular Savings Accounts
Last Updated: 5 February 2026
Notes:
Last Updated: 5 February 2026
| # | Provider & Product | Rate (AER) | Type | Min/Max Per Month | Max No. of accounts | What happens after 1 year? | Fees | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | AIB: Online Saver | 3.00% (inside limits); 0.25% (outside limits) | Instant | €10/€1,000 | 4 | 3% rate resets to apply up to 1k only; and then increases by 1k per month until month 24 | AIB Current Account required; fees likely to apply | 100k (Ireland) | Auto Deducted | Monthly limit for 3% will increase by €1,000 up to a maximum of €12,000 in month 12 & then reset. |
| =1 | BoI: Super Saver | 3.00% Fixed for year 1; 2.00% after year 1 | Instant | €5/€2,500 | 2 | Rate drops to 2.00% | BoI Current Account required to view account online; fees likely to apply | 100k (Ireland) | Auto Deducted | |
| =1 | EBS: Family Savings | 3.00% Fixed for year 1; unpublished rate for year 2 | Instant | €100/€1,000 | 1 | Rate drops to "EBS 1 Year Fixed Term Savings Account Rollover Rate" | None | 100k (Ireland) | Auto Deducted | €1,000 initial deposit allowed too |
| 4 | PTSB: Online Regular Saver | 2.00% up to €75k; 0.01% on whole balance above | Instant | €0/€2,500 | 1 | No change after 1 year | None | 100k (Ireland) | Auto Deducted | |
| =4 | PTSB: 21 Day Notice Regular Saver | 2.00% up to €75k; 0.01% on whole balance above | Notice (21 Days) | €0/€2,500 | 2 | No change after 1 year | None | 100k (Ireland) | Auto Deducted | |
| =4 | MeDirect: MeMax Savings Account | 2.00% up to €50k | Instant | €1/€2,000 | 1 | No change after 1 year | None | 100k (Malta) | Paid Gross; Declare to Revenue | |
| =4 | BoI: GoalSaver | 2.00% up to 15k; 0.50% above 15k | Instant | €20/€2,000 | 2 | No change after 1 year | BoI Current Account required to view account online; fees likely to apply | 100k (Ireland) | Auto Deducted | |
| =4 | BoI: Mortgage Saver | 2.00% up to 15k; 0.50% above 15k | Instant | €200/€2,500 | 1 | No change after 1 year | BoI Current Account required; fees likely to apply | 100k (Ireland) | Auto Deducted |
Notes:
- If you want to save on a regular basis, you should also consider instant access and notice accounts.
- To increase your maximum monthly contribution, it may be possible to open a joint account with your partner, or you could choose simply to both open one account each.
- There are separate threads for other types of deposit saving products. Specifically, there are separate threads on instant access and notice account savings and fixed term deposit savings.
- You should confirm your rate periodically.
- All products above are open to personal deposits only.
- If you want email updates on regular saver rate changes, you can subscribe to this thread.
Last edited: