Hiya noproblem, I think Connard factored that in. Drip-feeding the EBS account at the max of €1,000/month gives:
That works out to an AER of 1.6% before DIRT. The rate for the second and subsequent years in the EBS account is the rollover rate for their 12-month €100k+ term deposit, currently 0.35% before DIRT. Clearly the State Savings option is better, with the caveat that the rate is fixed for the term.
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